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Established Contributor
Posts: 513
Registered: ‎12-07-2012
0

Re: how many inquiries arw too many?


bs6054 wrote:

ilovelisa wrote:

bs6054 wrote:

ilovelisa wrote:

I have more than 30, after awhile I think it stops affecting the score. But I keep getting approved for more cards.


More than 30 inqs, 11 cards in sig.  Are some inqs for other things (mortgage/loan) or are you getting rejected as well as approved!


No there all for credit cards. I'd say its been 50/50 on rejection/approval.


Just saw your Penfed Plat Rewards thread.  So clearly these inquires don't matter that much as Penfed is meant to be among the most conservative.  Can you try US Bank Cash Plus next!


I can't,, they said I don't live in the service area.

Amex BCE $18,000 | BofA Power Rewards WMC $25,000 | Chase Freedom VS $15,000 | Chase IHG $1,000 | Discover It $7,900 | Local CU Visa $3,500 | PenFed Platinum Rewards VS $9,500 | Saks Store Card $3,000 | Saks WEMC $8,000
Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
0

Re: how many inquiries arw too many?


ilovelisa wrote:

bs6054 wrote:

ilovelisa wrote:

bs6054 wrote:

ilovelisa wrote:

I have more than 30, after awhile I think it stops affecting the score. But I keep getting approved for more cards.


More than 30 inqs, 11 cards in sig.  Are some inqs for other things (mortgage/loan) or are you getting rejected as well as approved!


No there all for credit cards. I'd say its been 50/50 on rejection/approval.


Just saw your Penfed Plat Rewards thread.  So clearly these inquires don't matter that much as Penfed is meant to be among the most conservative.  Can you try US Bank Cash Plus next!


I can't,, they said I don't live in the service area.


Well, then move into their service area!   You can't let little details get in the way.

Established Contributor
Posts: 513
Registered: ‎12-07-2012
0

Re: how many inquiries arw too many?


bs6054 wrote:

ilovelisa wrote:

bs6054 wrote:

ilovelisa wrote:

bs6054 wrote:

ilovelisa wrote:

I have more than 30, after awhile I think it stops affecting the score. But I keep getting approved for more cards.


More than 30 inqs, 11 cards in sig.  Are some inqs for other things (mortgage/loan) or are you getting rejected as well as approved!


No there all for credit cards. I'd say its been 50/50 on rejection/approval.


Just saw your Penfed Plat Rewards thread.  So clearly these inquires don't matter that much as Penfed is meant to be among the most conservative.  Can you try US Bank Cash Plus next!


I can't,, they said I don't live in the service area.


Well, then move into their service area!   You can't let little details get in the way.


maybe i will move just to get their card lol Smiley LOL

Amex BCE $18,000 | BofA Power Rewards WMC $25,000 | Chase Freedom VS $15,000 | Chase IHG $1,000 | Discover It $7,900 | Local CU Visa $3,500 | PenFed Platinum Rewards VS $9,500 | Saks Store Card $3,000 | Saks WEMC $8,000
Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
0

Re: how many inquiries arw too many?

That would be a good way for MyFico posters to prove that they were serious about app'ing!   Though I guess there aren't that many good cards that are restricted to various regions.  PSECU is the only other one I can think of.

Established Contributor
Posts: 513
Registered: ‎12-07-2012
0

Re: how many inquiries arw too many?

That would be a really good way, and yea I can't think of any other region restricted cards.

Amex BCE $18,000 | BofA Power Rewards WMC $25,000 | Chase Freedom VS $15,000 | Chase IHG $1,000 | Discover It $7,900 | Local CU Visa $3,500 | PenFed Platinum Rewards VS $9,500 | Saks Store Card $3,000 | Saks WEMC $8,000
Established Contributor
Posts: 513
Registered: ‎12-07-2012
0

Re: how many inquiries arw too many?

First National bank of Omaha is region restricted, even though they keep sending me offers in the mail.

Amex BCE $18,000 | BofA Power Rewards WMC $25,000 | Chase Freedom VS $15,000 | Chase IHG $1,000 | Discover It $7,900 | Local CU Visa $3,500 | PenFed Platinum Rewards VS $9,500 | Saks Store Card $3,000 | Saks WEMC $8,000
Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
0

Re: how many inquiries arw too many?

Do they have good cards?

Established Contributor
Posts: 513
Registered: ‎12-07-2012
0

Re: how many inquiries arw too many?


bs6054 wrote:

Do they have good cards?


I don't think so, just your typical bank issued cards, but they sent me an offer for their Discover card, and when I applied, Instant Denial, and their letter that they sent me said, you live outside our service area.  Good thing is they did not pull my credit.

Amex BCE $18,000 | BofA Power Rewards WMC $25,000 | Chase Freedom VS $15,000 | Chase IHG $1,000 | Discover It $7,900 | Local CU Visa $3,500 | PenFed Platinum Rewards VS $9,500 | Saks Store Card $3,000 | Saks WEMC $8,000
Established Contributor
Posts: 844
Registered: ‎03-16-2012
0

Re: how many inquiries arw too many?

I have:

 

TU: 10

EQ: 11

EX: 13

 

too many inquiries this year, i think 99% of them were from this year alone since I found this site and started rebuilding....


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:621 EQ: 639 EX: 632
NFCU cashRewards:$500 CreditOne:$300 Merrick:$600 Milestone:$300 Cabelas:$1000 JCrew:$250 Overstock:$250 Express: $250 PaypalCredit:$1050
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

Re: how many inquiries arw too many?


ilovelisa wrote:

I have more than 30, after awhile I think it stops affecting the score. But I keep getting approved for more cards.


Smiley Surprised

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