topic Re: inquiries in Credit Cards

inquiries

virgo — Wed, 19 Mar 2014 22:01:23 GMT

Did you have an outragious amount of inuiries and still got approved? And for what?

Thank you.

Re: inquiries

-Wade- — Wed, 19 Mar 2014 22:07:26 GMT

@virgo wrote:
Did you have an outragious amount of inuiries and still got approved? And for what?

Thank you.

How many do you have on each ???

IRe: inquiries

CreditExpressNJ — Wed, 19 Mar 2014 22:07:22 GMT

Discover IT was approved in Feb , they pulled EQ AND EX both have 30+ inquiries on them.

Re: inquiries

B335is — Wed, 19 Mar 2014 22:24:46 GMT

Citi: over 25
Chase: over 25
Amex: over 25

All were approved, but I think they may focus on last 6 months. I try not to have more than 6 in last 6 months on any CR

Re: inquiries

yudeology101 — Wed, 19 Mar 2014 22:29:37 GMT

@B335is wrote:
Citi: over 25
Chase: over 25
Amex: over 25

All were approved, but I think they may focus on last 6 months. I try not to have more than 6 in last 6 months on any CR

+1, same here

Re: inquiries

Involver — Wed, 19 Mar 2014 22:58:24 GMT

And here I am worried about 13 total lol.

Re: inquiries

virgo — Wed, 19 Mar 2014 23:15:36 GMT

I have about 20 across the board. I thought Citi and Discover were inquuiry sensitive.

Re: inquiries

Anonymous — Wed, 19 Mar 2014 23:52:19 GMT

And I'm here worried about 9(7 for a recent auto loan)

Re: inquiries

B335is — Thu, 20 Mar 2014 00:01:29 GMT

Well 2 of mine were auto lol. I recall reading someone that had more than 60 on 1 CR.

Re: inquiries

Anonymous — Thu, 20 Mar 2014 00:09:18 GMT

Someone had 90+ last year😵

Re: inquiries

virgo — Thu, 20 Mar 2014 02:30:15 GMT

90?! And were they approved?

Re: inquiries

seeyouthere — Thu, 20 Mar 2014 04:30:46 GMT

Im up to 23, most are auto and done in patches, I dont think they should show them like that but whatever

Re: inquiries

vpae — Thu, 20 Mar 2014 06:25:59 GMT

Inquiry #s
	0m - 6m	0yr - 1yr	0yr - 2yr	1yr - 2yr	Recent
Experian	1	7	10	3	3/17/14
Equifax	2	5	6	1	11/22/13
TransUnion	0	5	8	3	8/2/13

Now I realized it's not very many in comparison. I just applied for the Citi Hilton Hhonor Reserve and was approved, pulled EX. 1 Mortgage pull in each of the 3 CRA. Most recent 2 on EQ is for AT&T Cell Phone and Capital One 360 Checking (boo).

Re: inquiries

takeshi74 — Thu, 20 Mar 2014 12:45:52 GMT

@Involver wrote:
And here I am worried about 13 total lol.

Impact is going to vary with one's credit. Inquiries will affect those with weaker credit profiles more than those with stronger credit profiles. X can easily be too much for one and negligible for the next.

Re: inquiries

Anonymous — Thu, 20 Mar 2014 13:17:30 GMT

I had 21 last weekend and got approved for four new cards: Sapphire Preferred, AMEX Gold Premier, Citi Thankyou Preferred, and an American Eagle Visa upgrade. Now I have 25 or 26... I was approved for the Barclays Black Card but didn't want the insane $500 fee.

Companies don't question my inquiries any more.

Re: inquiries

Involver — Thu, 20 Mar 2014 14:58:52 GMT

@takeshi74 wrote:
@Involver wrote:
And here I am worried about 13 total lol.
Impact is going to vary with one's credit. Inquiries will affect those with weaker credit profiles more than those with stronger credit profiles. X can easily be too much for one and negligible for the next.

I don't really think I am at any sort of risk for being declined credit or AA on current accounts because of it, I just like to try to keep them as low as possible. Recent app spree added 5 so I'm just being cautious.

Re: inquiries

amdm2013 — Thu, 20 Mar 2014 15:39:30 GMT

Me too I think I had over15 inqs this month alone and got approved for six prime cards. But got declined by Amex, CapOne and Citi.

Re: inquiries

hajew86 — Thu, 20 Mar 2014 15:52:04 GMT

What if during mortgage shopping you end up with quite a few pulls? How does that affect what creditors do during a credit card approval/denial?

Re: inquiries

newUser0 — Thu, 20 Mar 2014 16:00:40 GMT

@yudeology101 wrote:
@B335is wrote:
Citi: over 25
Chase: over 25
Amex: over 25

All were approved, but I think they may focus on last 6 months. I try not to have more than 6 in last 6 months on any CR
+1, same here

Are you guys serious that you both had 20+ on EACH of the CB?

I am really getting inspired. I was feeling bad for 11+ and worrying about my future App approval chances (Especially after hearing chase closing stories)

Re: inquiries

newUser0 — Thu, 20 Mar 2014 16:04:04 GMT

@Anonymous wrote:
I had 21 last weekend and got approved for four new cards: Sapphire Preferred, AMEX Gold Premier, Citi Thankyou Preferred, and an American Eagle Visa upgrade. Now I have 25 or 26... I was approved for the Barclays Black Card but didn't want the insane $500 fee.

Companies don't question my inquiries any more.

Woww!! would you mind sharing your AoA?