Credit Inquiries

Jaylima91 · ‎07-17-2014

Hello everyone. I have a question. What good CC isn't so inquiry sensitive? I'm sure in their own ways they all are but I know some more than others. Thank you

gdale6 · ‎07-17-2014

How many on each bureau are we talking here???

Jaylima91 · ‎07-17-2014

More than 10 less than 15 in less than a year. (Inquiries consist of AT&T services, home lease, and CLI HP but most are also CC apps)

B335is · ‎07-17-2014

I've never had an issue with inq from Amex, BoA and Chase. Barclays, Discover and Citi can be sensitive. FNBO, US Bank and Comenity have been the most sensitive in my experience.

Burned2manybridgesB4 · ‎07-17-2014

@B335is wrote:
I've never had an issue with inq from Amex, BoA and Chase. Barclays, Discover and Citi can be sensitive. FNBO, US Bank and Comenity have been the most sensitive in my experience.

+1

Keep in mind too, that a strong credit profile will outweigh the HP counts (within reason) in the eyes of a seasoned analyist. I had 24, or so, on EX when I apped for Citi. About 8 on TU with Barclays.

takeshi74 · ‎07-18-2014

This, Inquiries are often cited as a reason for thin profiles while those with tick profiles can get approvals with the same nmber -- or more -- inquiries.

@Jaylima91 wrote:
What good CC isn't so inquiry sensitive?

Define "good". You can't just assume that your notion of good is the same as everyone else's no matter what the topic. Your AAoA looks like it probably very low and that's going to work against you. What are you looking for in a new card? Is there something lacking with your current lineup?