Who is inquiry sensitive?

[FinStar]

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@missjae wrote:
I think that whether a lender is sensitive to inquiries will depend on your overall profile. There are some exceptions, but generally, what is too much for me may not be too much for you and so on. I have gotten approvals with 30 inquiries...the approvals are with decent limits. Other people could get denied with less.

While companies may give you several reasons for denial, it still depends on your credit picture as a whole which makes it hard to compare sometimes.

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+1

Every lender has their own/different criteria and every individual's profile is different - even if there could be a slight similarity between 2 profiles, the oucome will still vary.

[MontegoMack]

Is it being suggested that credit card companies don't show patterns like weight of inquiries in the approval process?

That'd be fairly odd. 

[pizza1]

Barclays Barclays and Barclays, lol!!!!

If you get Barclays, or have gotten then, don't app for anything for 6 months and 1 day after opening the card! They are known to close without warning, and CLD! Be careful

[ptilda]

Target Red declined me for 5

[drkaje]

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@pizza1 wrote:
Barclays Barclays and Barclays, lol!!!!

If you get Barclays, or have gotten then, don't app for anything for 6 months and 1 day after opening the card! They are known to close without warning, and CLD! Be careful

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Forgot about them, LOL!

I assumed OP was only asking about new accounts.

Some could care less about inquiries and will keep asking until getting a yes.

I'm really conservative and only floated one App every 6 months while rebuilding. Between divorce and poor management, I'd messed things up pretty well. I really had to go slow, get an education, do repair, let time heal the report, and learn proper use of credit.

[FinStar]

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@MontegoMack wrote:

Is it being suggested that credit card companies don't show patterns like weight of inquiries in the approval process?

That'd be fairly odd. 

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All of them do.  A lot depends on their proprietary algorithms and the weighted risks associated with your overal profile.

[pizza1]

Drkaje....
Hey don't feel bad... We've all been there at some point in our life! Obviously... From my siggy mine was kinda recent. But .... I've been very aggressive in rebuilding since. Started day of bk discharge. Still cleaning up reports, and making some progress

[Jimmy9224]

I do hear that Barclay is pretty sensitive, however, I just applied yesterday for the Barclay Apple financing card and got approved for $2000 and I have 11 inquirys on my Transunion.. 6 Of those coming this year. 

[kaskuli]

credit 8/8 instant approvals

women .... three inqs in the last 12 months .... 2 denials , they wanted me to recon but I don't like to grovel or chase after girls ... 1  7-10 day message pending manual review

[myjourney]

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@kaskuli wrote:

credit 8/8 instant approvals

women .... three inqs in the last 12 months .... 2 denials , they wanted me to recon but I don't like to grovel or chase after girls ... 1  7-10 day message pending manual review

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ROFLOL