Hello Everyone 
I have a question regarding Capital One Bank when it comes to their credit cards....
What is the inquiry threshold limit when applying and will calling them make a difference?
Yes, I know I have a ton of inquiries on my credit report (My most recent credit report shows 105 TU / 123 EQ/ 90 EX)
With the exception of 10 - 15 inquiries, all of those inquiries are from 1+ years ago. Over the past 3 months, inquires are limited to 2 (which both inquires were turned into approvals).
Does anyone know what is Capital One looking for? When I get the letter from the pre-approval, it keeps saying I was denied for "number or recent credit inquiries" but I dont know if they are looking at the past 6 months / 1 year / or the whole 2 years
My current open acounts include:
GM Financial - $18,109 Balance Owed / $22,987 Financed - Opened March 2020
Salal Credit Union Card: $500 Limit / $87 Balance (Auto Insurance) - Opened Dec. 2019
Indigo Credit Card: $300 Limit / $20 Balance (Tolls) - Opened September 2019 (I want to replace with Capital One as they dont increase limits)
First Premier Bank: $500 Limit / $0 Balance - Opened June 2020
Merrick Bank: $300 Limit / $0 Balance - Opened July 2020
I am not trying to add any more credit cards to my mix (I think I am good with 4 cards and an auto loan for my rebuild) but I do want to replace some cards with better cards as I progress.
They have a prequalification page.
That is a lot of inquiries and a lot of new accounts.
On the CreditWise app from Capital One they show inquiries within the last 24 months. From their standards 0 (Excellent), 1-2 (Good), 3-5 (Average), 6+ (Below Average). I was approved while having 1 Inq being in the last 24 months, and 5 being in the last 12. I would assume though since your prequal directly states your inquiries you should wait until some fall off and continue checking the prequal. Don't waste a hard pull, especially since there's a prequal IMO. Good luck!
3 inquiries...
I am using the pre-qualifications page to get that answer.
Yes, I know it is a lot of inquiries - Most of them come from trying to buy a car before I even filed bankruptcy (the dealership sent my application to 30+ banks when I applied online and then did it again after I came in to the dealership to buy. Their excuse afterwards was "I was trying to get you a better rate."
The remaining ones are a mixture of applying for apartments and utilities.
I tried disputing the auto loans but not getting very far in doing it 
I never once wanted my application sent to the whole world.