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Frequent Contributor
Posts: 421
Registered: ‎12-07-2012
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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 $6,000 | BofA Power Rewards WMC $10,000 | Chase Freedom VS $10,000 | Chase Marriott Premier VS $5,000 | DCU $1,000 | Discover It $1,900 | Elan VS $9,000 | Local CU Visa $3,500 | PenFed Platinum Rewards VS $5,000 | SallieMae Rewards $8,000
Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
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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.

Frequent Contributor
Posts: 421
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 :smileylol:

Amex BCE $6,000 | BofA Power Rewards WMC $10,000 | Chase Freedom VS $10,000 | Chase Marriott Premier VS $5,000 | DCU $1,000 | Discover It $1,900 | Elan VS $9,000 | Local CU Visa $3,500 | PenFed Platinum Rewards VS $5,000 | SallieMae Rewards $8,000
Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
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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.

Frequent Contributor
Posts: 421
Registered: ‎12-07-2012
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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 $6,000 | BofA Power Rewards WMC $10,000 | Chase Freedom VS $10,000 | Chase Marriott Premier VS $5,000 | DCU $1,000 | Discover It $1,900 | Elan VS $9,000 | Local CU Visa $3,500 | PenFed Platinum Rewards VS $5,000 | SallieMae Rewards $8,000
Frequent Contributor
Posts: 421
Registered: ‎12-07-2012
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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 $6,000 | BofA Power Rewards WMC $10,000 | Chase Freedom VS $10,000 | Chase Marriott Premier VS $5,000 | DCU $1,000 | Discover It $1,900 | Elan VS $9,000 | Local CU Visa $3,500 | PenFed Platinum Rewards VS $5,000 | SallieMae Rewards $8,000
Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
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Re: how many inquiries arw too many?

Do they have good cards?

Frequent Contributor
Posts: 421
Registered: ‎12-07-2012
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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 $6,000 | BofA Power Rewards WMC $10,000 | Chase Freedom VS $10,000 | Chase Marriott Premier VS $5,000 | DCU $1,000 | Discover It $1,900 | Elan VS $9,000 | Local CU Visa $3,500 | PenFed Platinum Rewards VS $5,000 | SallieMae Rewards $8,000
Established Contributor
Posts: 697
Registered: ‎03-16-2012
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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: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Moderator
Posts: 26,770
Registered: ‎09-13-2012
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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.


:smileysurprised:


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