EQ Inquiry Sensitive Credit Cards?

[Anonymous]

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

[FinStar]

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 

[Anonymous]

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...

[Anonymous]

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. 

[Mv350]

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. 

[FinStar]

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@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. 

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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? 

[Anonymous]

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.

[FinStar]

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. 

[Anonymous]

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.

[JNA1]

PenFed pulls EQ