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Comenity - How Many Inq is Too Many?

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Moderator Emeritus

Comenity - How Many Inq is Too Many?

Anyone know how many inq is too many? CA, do you know? I have 4 on EQ and was thinking about trying for the $49 AF Virgin America card. I was approved for the $149 AF version a few days ago.
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Super Contributor

Re: Comenity - How Many Inq is Too Many?

I remember you saying earlier that Virgin America card can be inquiry sensitive and that they don't like more than 3 recent inquiries or something like that. That's why I've been so hesitant to try the card again.

Total CL: Around $168,750 not counting hidden TLs. FICOs in the 700-730 range.

Main cards: Macy's Amex: $24k, Lowe's, $17k, Chase Sapphire Preferred: $7k, Chase AARP: $5.2k, Chase Freedom: $5k, Chase British Airways: $5k, Discover It: $1.5k, Barclays Arrival: $2.5k, Sam's Club MC: $8.5k, Stash: $8k, Sam's Club: $10k, Wells Fargo Propel: $8k, Paypal Smart Connect: $4.9k, Amazon Store Card: $6k, Cabelas Club Visa: $5k, Nordstrom: $5k, CapOne Quicksilver: $2k
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Moderator Emeritus

Re: Comenity - How Many Inq is Too Many?

Yeah and there's no datapoints for getting both cards. Should I GP it?
Message 3 of 14
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Super Contributor

Re: Comenity - How Many Inq is Too Many?


@B335is wrote:
Yeah and there's no datapoints for getting both cards. Should I GP it?

Sure why not?

Total CL: Around $168,750 not counting hidden TLs. FICOs in the 700-730 range.

Main cards: Macy's Amex: $24k, Lowe's, $17k, Chase Sapphire Preferred: $7k, Chase AARP: $5.2k, Chase Freedom: $5k, Chase British Airways: $5k, Discover It: $1.5k, Barclays Arrival: $2.5k, Sam's Club MC: $8.5k, Stash: $8k, Sam's Club: $10k, Wells Fargo Propel: $8k, Paypal Smart Connect: $4.9k, Amazon Store Card: $6k, Cabelas Club Visa: $5k, Nordstrom: $5k, CapOne Quicksilver: $2k
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Valued Contributor

Re: Comenity - How Many Inq is Too Many?

i have 5 and i think is a lot and 6 on tu i believe

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Moderator Emeritus

Re: Comenity - How Many Inq is Too Many?

Its weird with the application, both links seem to generate the same page. Even the terms and conditions refer to both cards.
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Moderator

Re: Comenity - How Many Inq is Too Many?


@B335is wrote:
Its weird with the application, both links seem to generate the same page. Even the terms and conditions refer to both cards.

Cast your fate to the wind and clcik submit!   If you get approved for the 2nd one, great!  If not, well at least you know what to expect from Comenity.

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Moderator Emeritus

Re: Comenity - How Many Inq is Too Many?

It identified me as an existing cardholder. I tried incognito too. Comenity computers seem more advanced than I thought.
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Established Contributor

Re: Comenity - How Many Inq is Too Many?

i have 11 HP  but  last one was for car shopping 6 at the same time and it just count as a 1 4 hp is no too many

Amex ED (2000) Amex BCE (2000) Amex macys (5000) Amex Gold , VENTURE (5000) MC PLATINUM (600) CAP QUICKSILVERONE (1250) CAP QUICKSILVER (4500) CAP QUICKSILVER (3500) PENFED AMEX (5000) PENFED CASH REWARDS (25,000) PENDFED REWARDS VISA SIGNATURE (20,000) UPROMISE (1000) NFL (4000) OVERSTOCK (2800) HSN (3200) DISCOVER IT(8500) AMAZON PRIME (10000) MARVEL(7000) BOF VISA(2000) BEST BUY VISA CITI (9000) BLISPAY (9000)Amex Magnet (10,000) Uber (3100)

WELCOME TO 100K CLUB . LAST APP 08/29/18 Credit Score 8 TU 720 EQ 705 EX 724

Starting Score: 640
Current Score: 720
Goal Score: 850


Take the myFICO Fitness Challenge

CARD I want .
Chase Freedom and US cash +

Now back to the garden until 2020
Message 9 of 14
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Super Contributor

Re: Comenity - How Many Inq is Too Many?

I went for the $149 version a few hours ago.

 

Same 7-10 message crap as last time. Took one for the team though.

 

This card I'm gonna be trying again in the future.

Total CL: Around $168,750 not counting hidden TLs. FICOs in the 700-730 range.

Main cards: Macy's Amex: $24k, Lowe's, $17k, Chase Sapphire Preferred: $7k, Chase AARP: $5.2k, Chase Freedom: $5k, Chase British Airways: $5k, Discover It: $1.5k, Barclays Arrival: $2.5k, Sam's Club MC: $8.5k, Stash: $8k, Sam's Club: $10k, Wells Fargo Propel: $8k, Paypal Smart Connect: $4.9k, Amazon Store Card: $6k, Cabelas Club Visa: $5k, Nordstrom: $5k, CapOne Quicksilver: $2k
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