The card I have with Bofa is the cash rewards card, even when it was secured. My 5 inq are pretty spread out: nov 11', feb 12', apr 12', aug 12' and oct 29'th 12'. It's actually 5, my bad. These show up on TU, I don't know about ex or eq, i just looked on credit karma.

I was wondering how should I use my green amex, have a 0 balance on it, and <10% on my bofa cc? Or it doesn't even matter on the charge card. I saw in the forums something about having less than 50% of your accounts with a balance. Does it apply to 1 charge and 1 cc?