I am hoping to not apply for cards for the whole year.

[Smug]

I have 13 on one credit report and 7 on another since Aug, have got 3 small credit lines, 2 Cap one, and a discover, so I will try for a year not to apply for any cards and keep my credit clean. Any other. Tips..?????

[joestay]

just wait and ask for cli

[Smug]

That's what I was thinking.

[Anonymous]

Unfortunately most CLI requests these days result in a hard INQ. 

[joestay]

Only request cli with companies that do soft pull.

[Anonymous]

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@joestay wrote:

Only request cli with companies that do soft pull.

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Such as?

[Anonymous]

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@Anonymous wrote:

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@joestay wrote:

Only request cli with companies that do soft pull.

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Such as?

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Amex and BofA only do a soft pull for CLI the last time I requested.

Edited to add both CLI was requested with-in the last 60 days

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@joestay wrote:

Only request cli with companies that do soft pull.

---

Such as?

---

Amex and BofA only do a soft pull for CLI the last time I requested

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So does USAA.

Not bad ... three out of a hundred.

[Anonymous]

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@Anonymous wrote:

---

@Anonymous wrote:

---

@Anonymous wrote:

---

@joestay wrote:

Only request cli with companies that do soft pull.

---

Such as?

---

Amex and BofA only do a soft pull for CLI the last time I requested

---

So does USAA.

Not bad ... three out of a hundred.

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I agree with you O6 the odds are not in the consumers (our) favor. 

[Anonymous]

Cap 1 is soft.