topic Re: EQ Inquiry Sensitive Credit Cards? in Credit Card Applications

EQ Inquiry Sensitive Credit Cards?

Anonymous — Sat, 15 Feb 2020 05:52:15 GMT

What's out there? Anything decent? Biz or personal? DW looking for a new CC, any DP's would be appreciated. 771 EQ score.

Re: EQ Inquiry Sensitive Credit Cards?

FinStar — Sat, 15 Feb 2020 05:58:49 GMT

Lenders tend to rely on more elements than just a FICO score, OP.

It would help knowing a bit more information about DW's profile to provide you with more insight on her quest for any CCs she intends on applying.

Things like, how many inquiries or new accounts in the past 6-12 months, AAoA, utilization, derogs (if any), etc.

Of noteworthy, some lenders can HP EQ and SP another CRA as part of their review process. HSBC is one of them, for instance

Re: EQ Inquiry Sensitive Credit Cards?

Anonymous — Sat, 15 Feb 2020 12:15:22 GMT

Yup I know @Finstar, just tossed it out there as a starter. Had in mind something similar to Ducks Unlimited card being inq sensitive and wanted to know if theres anything like that out there before an app is done. Lemme check, just pulled 3b...

Re: EQ Inquiry Sensitive Credit Cards?

Anonymous — Sat, 15 Feb 2020 13:07:08 GMT

AooA 3.6 yrs AAoA 1.8 yrs uti 21% on 33K (balance transfer, large paydown hasnt reported yet) inq 3/24 EQ new accts 1 in August so 0/6 4/12 7/24 10 accts ttl.

Re: EQ Inquiry Sensitive Credit Cards?

Mv350 — Sat, 15 Feb 2020 14:17:12 GMT

You could also try Synchrony, they have pulled TU for me the last 2 pulls, and I had 12 INQ's on TU alone at the time of applying.

Re: EQ Inquiry Sensitive Credit Cards?

FinStar — Sat, 15 Feb 2020 18:37:20 GMT

@Anonymous wrote:
AooA 3.6 yrs AAoA 1.8 yrs uti 21% on 33K (balance transfer, large paydown hasnt reported yet) inq 3/24 EQ new accts 1 in August so 0/6 4/12 7/24 10 accts ttl.

Does it have to be exclusively with EQ? Are there reasons that DW (or you) do not view TU or EX as a good sign?

Re: EQ Inquiry Sensitive Credit Cards?

Anonymous — Sat, 15 Feb 2020 18:54:36 GMT

Every one pulls EX around here so would prefer that it be EQ (or possibly TU). Lowest inq (3) and highest score on EQ 771. TU has 4 inq and 755 score but fighting w/ them to fix some things since mortgage is incorrectly reporting on there would prefer that it be fixed prior to an app. EX is at 8 inq and 757. All scores are FICO 8.

Re: EQ Inquiry Sensitive Credit Cards?

FinStar — Sat, 15 Feb 2020 19:35:29 GMT

Well, there's BB&T and they have a few CCs that may fit the bill for DW.

There could be some geo-restrictions depending where you both live, but maybe worth checking their pre-approval link? BB&T pulls EQ, but with the pre-approved offers, it's SP.

HSBC is another EQ puller and they have a pre-qualification portal, but they typically SP EX in addition to the EQ HP.

Re: EQ Inquiry Sensitive Credit Cards?

Anonymous — Sun, 16 Feb 2020 03:10:17 GMT

Thx @Finstar didnt know HSBC SP'd EX. Probably saw it here and forgot it lol. DW currently has Fidelity (EX) and Disco IT 0BT fee (possibly EQ?) offers lying in th' desk drawer. Wasn't sure if there was anything else out there that might interest her more without overlapping w/ my cards too much.

Re: EQ Inquiry Sensitive Credit Cards?

JNA1 — Sun, 16 Feb 2020 04:30:21 GMT

PenFed pulls EQ

Re: EQ Inquiry Sensitive Credit Cards?

AverageJoesCredit — Sun, 16 Feb 2020 14:21:18 GMT

Everyone always pulls my PF,er i mean Eq and my Ny, er my TU. I couldnt get anyone to pull Ex if i paid them

Re: EQ Inquiry Sensitive Credit Cards?

Five6Two — Mon, 17 Feb 2020 08:48:09 GMT

@JNA1 wrote:
PenFed pulls EQ

This, and DCU. PenFed HP to open checking/savings. DCU no HP to open savings/checkings.