What number is considered "too many" INQS??

[LS2982]

I feel i've got my garden set up but I want 1 last card from GEMB (carecredit), But I have a ton of INQS (14)

Should I wait???

[xlr8d]

Thats quite a few inqs! I would wait, but I know how it is to wait and you eventually get the itch lol..

What card are you looking at getting ?

[LS2982]

carecredit from GEMB

[Smug]

Go for it I did today

[visorboy1974]

How many INQs are >1 year?  

[LS2982]

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@Smug wrote:
Go for it I did today

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Hey can you get the card w/o wanting a procedure done at this moment??? How do you do it?

[LS2982]

Approved $500 CL, low but I can call later and ask for more if needed. Awesome! Time to garden!!!

[Meltdownblitz]

Not to hi-jack the thread but I have 10 in the last year, 2 on EX, 6 on EQ and 2 on TU in the last year, and 5 new accounts, 2 I canceled. Is that too many? I also wanted to pick up a few more prime cards, is 6 months a good time to wait before picking up a few more prime cards?

[Walt_K]

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@Meltdownblitz wrote:

Not to hi-jack the thread but I have 10 in the last year, 2 on EX, 6 on EQ and 2 on TU in the last year, and 5 new accounts, 2 I canceled. Is that too many? I also wanted to pick up a few more prime cards, is 6 months a good time to wait before picking up a few more prime cards?

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I wouldn't think of them in total numbers, I would think of them in terms of each report.  If you apply to someone who pulls EX or TU, they are only going to see your 2 inquiries.  Amex, for example, typically only pulls EX (sometimes they pull more if an application is borderline). 

[coldnmn]

Yes you can apply  w/o wanting a procedure. When I applied I didn't want the embarrassment of being declined at the dentist. I went on their website  and there was that option. I applied and asked for $5000 figuring that amount would never be accepted and they would counter offer. To my surprise they gave it to me. This should bring my Util down and give me better CL on prime cards in the future. If you don't use the card within a year I have read they will close it. I have a Cap1 $500, Orchard $500, Walmart started @ $700 now $900 PayPal SmartConnect $800 and Discover $1000 my oldest acct is the Cap1 @ 1 year. I have 5 late house pmt now home paid off, 1 pd tax lien from 07. These were from when I became permanently disabled and @ the time no income.