Is Amex inquiry sensitive on new applications?

[12njoy]

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@CreditCuriousity wrote:

What is the limit 4 revolers with Amex?

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I was told by Amex last year that the limit was four revolvers and 2 charge cards.

[chalupaman]

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@Kostya1992 wrote:

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@tonyjones wrote:

I agree, AMEX is not sensitive at all. I got approved for BCE and Everyday with over 20+ inquiries on EX.

Now Citibank on the other hard is very sensitive along with BofA.

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How sensative would BofA be to 7 inqs on EX all which are a year old, most 1.5+ years old?

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I don't think you should have an issue applying for their cards if you're saying all of them have turned a year old. They don't even factor into your score anymore either and as long as you haven't had many in the last six months, you should be okay. Go ahead and apply if you want. Have confidence.

[Kostya1992]

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@chalupaman wrote:

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@Kostya1992 wrote:

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@tonyjones wrote:

I agree, AMEX is not sensitive at all. I got approved for BCE and Everyday with over 20+ inquiries on EX.

Now Citibank on the other hard is very sensitive along with BofA.

---

How sensative would BofA be to 7 inqs on EX all which are a year old, most 1.5+ years old?

---

I don't think you should have an issue applying for their cards if you're saying all of them have turned a year old. They don't even factor into your score anymore either and as long as you haven't had many in the last six months, you should be okay. Go ahead and apply if you want. Have confidence.

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Oh I will once said conditions are relevent.

[12njoy]

DENIED.  Too many inquiries in the last 6 months and something about my loan balances.  I opened up two auto loans last year.  It was a SP decline from April 15, 2015.  I guess I can hang up that Amex CLI request in July 2015   If Amex wants to hammer me with a FR after this, my days with Amex are over,  I have a couple partner Amex cards.  I used to be top heavy with Amex but not so much anymore.  Maybe a loss of 25.1k is looming.

[chalupaman]

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@Kostya1992 wrote:

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@chalupaman wrote:

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@Kostya1992 wrote:

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@tonyjones wrote:

I agree, AMEX is not sensitive at all. I got approved for BCE and Everyday with over 20+ inquiries on EX.

Now Citibank on the other hard is very sensitive along with BofA.

---

How sensative would BofA be to 7 inqs on EX all which are a year old, most 1.5+ years old?

---

I don't think you should have an issue applying for their cards if you're saying all of them have turned a year old. They don't even factor into your score anymore either and as long as you haven't had many in the last six months, you should be okay. Go ahead and apply if you want. Have confidence.

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Oh I will once said conditions are relevent.

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Sounds good to me. Lol.

[chalupaman]

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@12njoy wrote:

DENIED.  Too many inquiries in the last 6 months and something about my loan balances.  I opened up two auto loans last year.  It was a SP decline from April 15, 2015.  I guess I can hang up that Amex CLI request in July 2015   If Amex wants to hammer me with a FR after this, my days with Amex are over,  I have a couple partner Amex cards.  I used to be top heavy with Amex but not so much anymore.  Maybe a loss of 25.1k is looming.

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Even if you do lose them, I don't think you'lll miss much. I certainly haven't. I think the only card from them I really got that much out of was the PRG. Barely used the other ones and Delta was only good for the bonus initially.

[12njoy]

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@chalupaman wrote:

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@12njoy wrote:

DENIED.  Too many inquiries in the last 6 months and something about my loan balances.  I opened up two auto loans last year.  It was a SP decline from April 15, 2015.  I guess I can hang up that Amex CLI request in July 2015   If Amex wants to hammer me with a FR after this, my days with Amex are over,  I have a couple partner Amex cards.  I used to be top heavy with Amex but not so much anymore.  Maybe a loss of 25.1k is looming.

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Even if you do lose them, I don't think you'lll miss much. I certainly haven't. I think the only card from them I really got that much out of was the PRG. Barely used the other ones and Delta was only good for the bonus initially.

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I agree although I do like the BCP 6% cash back, but I could forgo it and not lose any sleep.  Let them come back to me, ha.  They helped start me to where I am today but I am here now.

[chalupaman]

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@12njoy wrote:

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@chalupaman wrote:

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@12njoy wrote:

DENIED.  Too many inquiries in the last 6 months and something about my loan balances.  I opened up two auto loans last year.  It was a SP decline from April 15, 2015.  I guess I can hang up that Amex CLI request in July 2015   If Amex wants to hammer me with a FR after this, my days with Amex are over,  I have a couple partner Amex cards.  I used to be top heavy with Amex but not so much anymore.  Maybe a loss of 25.1k is looming.

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Even if you do lose them, I don't think you'lll miss much. I certainly haven't. I think the only card from them I really got that much out of was the PRG. Barely used the other ones and Delta was only good for the bonus initially.

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I agree although I do like the BCP 6% cash back, but I could forgo it and not lose any sleep.  Let them come back to me, ha.  They helped start me to where I am today but I am here now.

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Do you already have Sallie Mae from Barclays? 

[12njoy]

@popamode,

Barclay's won't give me anything else. Just too much available credit and too many inquiries for them. I guess I'm back to waiting for increases from synchrony and now hopefully discover

[chalupaman]

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@12njoy wrote:
@popamode,

Barclay's won't give me anything else. Just too much available credit and too many inquiries for them. I guess I'm back to waiting for increases from synchrony and now hopefully discover

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I'm always in that same place with Barclays. It's absolutely annoying but Discover wants more time on the inquiries/accounts too so I have no other choice.

Sync has been still decent with increases. They upped my Sams Club to $10k last week.