4 new cards and 13 hard pulls in 11 months? Honestly, I'm surprised you are pre-qualified for any card. No offense but you should probably let your file cool off for a while before applying for another card.
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Your file is young and thin with a lot of inquiries. This is only going to increase your chances of either toy limit approvals, or outright further denials for excessive credit seeking. I'd also recommend you cool your jets for a minimum of 6 months to at least let some of the inquiries fall off. Better approvals will come your way.
@Soundersfan1 wrote:Honestly I was thinking waiting more towards Feb of next year since 3-4 inquiries would fall off depending on if Experian or TU is pulled. Then apply for CSP and Amex Platinum back to back
How are 3-4 going to fall off if these all happened in 2024? Inquiries stay on your report for 2 years. You state that you are 4/24. Remember that you are also 4/12. That is a big red flag for a lot of lenders.
Although they do stay for 2 years, and some lenders may still look unfavorably on them, inquiries are no longer factored in Fico scoring models after 12 months. The 4/12 is still a lot for a young file.
@Soundersfan1 wrote:How picky will chase be about inquiries 1+ year old
Even in February when 3-4 of them move past a year old, you are still sitting on 9-10 inquiries that are less than a year old, right? Or did I totally misread your OP?
@Soundersfan1 wrote:How picky will chase be about inquiries 1+ year old
It, like everything else in the credit world really depends on your profile. Initially it's almost always a computer so it also depends on how a particular lender has their risk assessment algorithms set up. Someone like Citi, who's well known to be sensitive to new accounts and inquiries will have their algorithms set to look for these preset red flags, Just as in addition to whatever else is important to them, Chase specifically looks for X/24 status when considering an approval for one of their core cards.
Whereas another lender may only be set up to initially look mainly at your scores, payment history, and amount of debt. It's impossible to know how each lender has their algorithms set, and what their priorities are, or not. Sifting through the approvals board might offer you some insight on other's experiences.
If you're borderline, a live person will review your reports for a more in depth look. Depending on their policy, a lender may, or may not ignore scorable vs non scorable inquiries. Generally though, the further away you are from multiple inquiries, the less risky you look.
I think if you're showing zero scorable inquiries in a 12 month span, that's usually good enough for anyone's sniff test.