Are there any CC's that are NOT Inq sensitive?

[enharu]

---

@Anonymous wrote:

Like every one has suggested many times, on multiple threads, you should stop applying for now. Age what you have and treat it carefully. You have more than enough accounts now that you should see significant progress in your credit reports by the time you move. You also could consider using the money you want to invest into more cards, and secured cards and use that money instead to negotiate payments for deletion or settlements on any negative accounts that you have. If you compile all of your posts and threads, you'll see that you're unlikely to get different answers at this point other than what is already mentioned.

Also, you mentioned moving and also that you didn't really have a lot of money to set aside for various things. Can you afford the credit lines you have? Can you afford to make more than the minimum payments on accounts? To add to this and to  add to what many of the posters said, and I mean this kindly.. are you sure you're in a position to have credit right now? If $50 or more is too much for you to pay on one account or another, or one bill or another, can you pay your accounts promptly? If you end up with multiple accounts all with even just minimum payments (which is not recommended) will you be able to keep up? Please be careful that you don't find your self in over your head! I know you want more credit, and you want it now, but it is seriously and simply NOT possible for you at this time.

---

---

+1.

Most importantly, keep your current accounts in good standing.

Worst thing you want to happen is to fall behind on payments on these accounts and have new derogs report onto your file again....

[enharu]

---

@Anonymous wrote:

"INQ's are not that big of a deal... and the INQ's ARE NOT the reason you are being denied.."

I thought lenders look at INQ's beside the score? I thought you could get denied for too many inquries regardless of the score.

---

lenders look at a lot of other factors besides the score. They look at your income, average age of accounts, actual age of each your accounts, debt obligations, derogs, etc.

For people whom get declined due to too many inquiries, it is usually due to an auto loan / mortgage that bombarded them with a lot of inquiries, and sometimes its due to a previous / ongoing app-spree. However, if the new accounts have already reported onto your CRs, you will start getting denials simply because you have too many recently opened accounts. Lenders want to see you manage those new accounts for a few months before issuing you anymore credit. 

Opening a lot of new accounts over a short period of time is considered as extremely risky behavior, because it can be interpreted as you are having financial difficulty and are being desperate for credit. Lenders do not like it, especially if you already have derogs on your credit report. It may backfire onto you and result in your current accounts getting closed instead.

[Creditaddict]

---

@Anonymous wrote:

"INQ's are not that big of a deal... and the INQ's ARE NOT the reason you are being denied.."

I thought lenders look at INQ's beside the score? I thought you could get denied for too many inquries regardless of the score.

---

okay... Lenders certainly look at many things but I think if you have not generated a Fico report because you have been in the credit world for less than 6 months you are being denied for that... Very few banks want to be the first to give you a credit card with no history (history to me is over 6 months WITH a FICO SCORE) you start to add in a ton of INQ's and still no history, now you just eliminated the few banks that might be willing to start you out with an account and let you see how you manage it becasue they are trying to figure out if any of your other 5 INQ's warranted you an approval with someone else that "might" have been willing to test the waters with you in your new credit journey... a bank that might "test" the waters in your credit journey doesn't want to test those same waters with 5 other credit lines... that's to much for someone new in their eyes

(My opinion)

[Anonymous]

I can afford the min payments. I can afford way more than that, but you must understand...

The current job and educational offers in my area stink really bad. I would like to move away from this hole and to where there are better jobs and better education, and that place is 600 miles away, where they offer a great program for what I want to be..

BUT...moving takes money. Not only do I need to save money to move, I need to save money to make sure I don't have to pack up and move back home if I can't find a job. The job market for people without a college degree is not that good.

Currently working for $600 a month is going to take quite sometime to save, espcially when I have to spend money on car insurance, gas, and my phone bill (I do not make any payments, I own my car).

The reason why I wanted a decent credit card with a $1000+ CL is so I could DEFER my current financial obligations by putting them on a CC, pay only the min, and move QUICKER, and then pay them off once moved and employed.

[Anonymous]

So what your saying is that in 6 months, once my credit ages longer, that I could have a chance getting a CC even though I still have quite a few INQ's?

[enharu]

---

@Anonymous wrote:

So what your saying is that in 6 months, once my credit ages longer, that I could have a chance getting a CC even though I still have quite a few INQ's?

---

yes.

I have about 12 inquiries (11 of them being less than a year old) on my EX, and still got approved for the SPG about a week ago. Inquiries hurt your scores, but it isn't going to ruin you completely. 

Just let the inquiries age.

[enharu]

---

@Anonymous wrote:

I can afford the min payments. I can afford way more than that, but you must understand...

The current job and educational offers in my area stink really bad. I would like to move away from this hole and to where there are better jobs and better education, and that place is 600 miles away, where they offer a great program for what I want to be..

BUT...moving takes money. Not only do I need to save money to move, I need to save money to make sure I don't have to pack up and move back home if I can't find a job. The job market for people without a college degree is not that good.

Currently working for $600 a month is going to take quite sometime to save, espcially when I have to spend money on car insurance, gas, and my phone bill (I do not make any payments, I own my car).

The reason why I wanted a decent credit card with a $1000+ CL is so I could DEFER my current financial obligations by putting them on a CC, pay only the min, and move QUICKER, and then pay them off once moved and employed.

---

1. pay in full. if you are spending more than you can afford, you need to trim your spending somehow. you may have to make certain sacrifices, but it beats having debt problem. credit card debt accumulates really fast, and a lot people who have credit card debt underestimate it until things are just too much for them to handle. 

2. get a job first, then move, if possible. the application and interview process will be a hassle since you have to go back and forth, but it beats not knowing what you are getting yourself into.

3. do you qualify for any financial aid for re-education?

[Anonymous]

I have a job, but it doesn't pay much.

[killer_queen229]

Don't apply for any more now, its one of the best pieces of advice anyone on here could give you. I know (from experience) that pretty, shiny cards give you an "amazing" feeling to have in your wallet.. BUT you're hurting yourself by continuing to apply when you've received many denials from different companies. Everyone has to start out at the bottom, I don't know anyone who hasn't. 

[Anonymous]

I know, I'm not apping again for another 5 months, but where should I go from there?