catzcradle wrote:Anyway, is that considered a "bad" inquiry if I already have credit with them, but I just want a lower APR and higher CL?
I don't think you applied for credit with your "city". There would be no PP for this inquiry and it should be questioned with them in writing using the NO PP letter found elswehere on this site.This hard credit inquiry stuff is getting just rediculous.
Oh, and the card issuer is Chase, if it helps.
Cheddar -Can you post some links to the information you cite? I would like to read the opinion letters.