How many inq's

[Stonemanmv]

My plan is to app for bcp, and a citi card ( would like chase ink for my bus also) in jan but in August I bought a new car and they shopped around and gave me more inq's. In jan I will have 5 inq's on ex, 2 on Eq , and 3 on tu. Should I wait til April when I have 3 on my ex, 2 on Eq, 2 tu. I have Amex bus cards now and not sure if that's going to help my chances for bcp( I think) but I've read that citi doesn't like inq's.

[Anonymous]

Yes wait until Apr since your score may improve with the INQ's aging 6+ more months.

[myjourney]

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@Stonemanmv wrote:
My plan is to app for bcp, and a citi card ( would like chase ink for my bus also) in jan but in August I bought a new car and they shopped around and gave me more inq's. In jan I will have 5 inq's on ex, 2 on Eq , and 3 on tu. Should I wait til April when I have 3 on my ex, 2 on Eq, 2 tu. I have Amex bus cards now and not sure if that's going to help my chances for bcp( I think) but I've read that citi doesn't like inq's.

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Both Chase and Citi can be INQ sensitive 

The good news Chase on recon the INQ's for the car can be explained 

I think your history with Amex business or personal will help

What the approvals will boil down to is how CR's and scores look at the time and remember Chase has it own internal scoring system.

Citi is just to hard to figure recon sucks IMO and you never know if they will approve or not .....I just stay away from Citi ...I also don't see a lot of value as far as rewards in Citi cards. They have a good BT product and maybe one decent reward card IMHO

They just scare the hell out of me and I've never been denied ..........funny huh

[Stonemanmv]

That's what I thought. But I only have 2 good cards discover , us bank. And there's crap 1

[Stonemanmv]

Yeah. Out of those 5 inq's 2 are for the car and 1 is for my bus amex. So there's just 2 for cards and they are six months old now. So I'm thinking I can get my utl down to 5% ish or lower ( it's at 22% now my scores will be well in the 700 range

[myjourney]

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@Stonemanmv wrote:
Yeah. Out of those 5 inq's 2 are for the car and 1 is for my bus amex. So there's just 2 for cards and they are six months old now. So I'm thinking I can get my utl down to 5% ish or lower ( it's at 22% now my scores will be well in the 700 range

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UTL will play an important role as well 

[Stonemanmv]

Thanks for all the input

[JSS3]

The thing with, "Apply vs Garden" is you'll always be told to garden. LOL

[myjourney]

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@JSS3 wrote:

The thing with, "Apply vs Garden" is you'll always be told to garden. LOL

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LOL

[Stonemanmv]

Well I think the saying is don't app if you don't need. I have a good visa us b, discover, but no amex ( personal) and not a good master card really just 2 good cc's 3 total