Hard for sure. Warns you upfront before submitting. Lots of inquries however I think the counter counts car inquries not just grouping them in to 1. At the time of getting that CLI I had 36k reporting on my amex (car down payment plus monthy spend), 11k reporting on the CSP and approx 1500 reporting on the usaa card. Rest were at 0. As I say the app is saying I could apply again for another CLI, and my reports are now reporting the amex down to 3k and the CSP down to 300 dollars. Im wondering if that would give me more or if its too soon since the last one.
Edit- usaa credit monitoring shows they ran equifax. Im on the east coast.
Amex Platinum NPSL I Chase Sapphire Reserve 78K I Chase Freedom U 55k I JP Morgan Ritz 50k I B OF A Cash Rewards 50k I Barclay Black Luxury 43,750 I Capital One QuickSilver 40K I Amex BCP 34k I Amex Optima Platinum 30k I Barclays Arrival+ World E 29k I Merril+ 27,800 I Lowes 25k I Pen Fed PR Visa Sig 20K I Home Depot 17k I NFCU Cash Rewards 8k
Amex Biz Platinum NPSL I Lowes Business 42k I Amex Simply Cash + $22,500 I Chase Ink 21K I B of A World Points $20,500 I B of A Bus MasterCard 16k I Amex SPG 3K.
Whammo! 
