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What are some recs for non-inquiry sensitive lenders ?
Stats:
Scores: 770-800
INQs: A lot ! Lol (4-5 EQ, 10 TU & EXP all within 6 months, mostly for auto loan, but some CC)
Income: $200k
NO Derogs
AAofA: 25 years
UTIL: 9% overall on $150k CLs
Looking for a high limit card for BT !
Any advice is appreicated kindly !
For the Auto loans were they or a bunch of them done within a few weeks of each other? if so my understanding is they usually count as 1
@WildestDreams wrote:For the Auto loans were they or a bunch of them done within a few weeks of each other? if so my understanding is they usually count as 1
They count as 1 for FICO scoring purposes. It does not mean that a potential creditor for a card or loan won't count them individually.
@MrCarlCC wrote:What are some recs for non-inquiry sensitive lenders ?
Stats:
Scores: 770-800
INQs: A lot ! Lol (4-5 EQ, 10 TU & EXP all within 6 months, mostly for auto loan, but some CC)
Income: $200k
NO Derogs
AAofA: 25 years
UTIL: 9% overall on $150k CLs
Looking for a high limit card for BT !
Any advice is appreicated kindly !
What was the time frame for the auto pulls?
@MrCarlCC wrote:What are some recs for non-inquiry sensitive lenders ?
Stats:
Scores: 770-800
INQs: A lot ! Lol (4-5 EQ, 10 TU & EXP all within 6 months, mostly for auto loan, but some CC)
Income: $200k
NO Derogs
AAofA: 25 years
UTIL: 9% overall on $150k CLs
Looking for a high limit card for BT !
Any advice is appreicated kindly !
I have had recent new card approvals despite high inquiries (8-12). Scores are in the 750-765 range, utilization before new approvals was around 12%, income moderately lower than yours. Approvals were received from WaFd (where I also have several checking accounts for business, personal, estate and trusts), Bank Of America, Citi, CareCredit. These 4 new approvals totaled $50,000. The Bank Of America and Citi cards have 0% BT offers.
@MrCarlCC wrote:What are some recs for non-inquiry sensitive lenders ?
Stats:
Scores: 770-800
INQs: A lot ! Lol (4-5 EQ, 10 TU & EXP all within 6 months, mostly for auto loan, but some CC)
Income: $200k
NO Derogs
AAofA: 25 years
UTIL: 9% overall on $150k CLs
Looking for a high limit card for BT !
Any advice is appreicated kindly !
I'll tag @M_Smart007 as his data points make your 4-5 EQ and 10 TU/EX look like child's play! He's a rock star!
But he has managed to stay successful in overall approvals, so he may have some good tips.
* March 2023 approval posting - 37 inquiries and 18/24 new accounts. 80+ open accounts. ![]()

























The following lenders gave me 2 cards with 20 plus inqs, low income in the 30's, and a bk7 on my reports
NFCU Cash Rewards 3700 sl 12/2021, cards limit is now 15,700
NFCU Platinum, 1000 sl 4/2022, cards limit is now 9000
Penfed Power Cash Rewards 7500 sl 12/2021, cards limit is now 10000
Penfed Gold 7500 sl 8/2022, limit still 7500, i never asked for a cli
Discover IT Cashback 3000 sl 6/2021, cards limit is now 6500
2nd Discover IT Cashback 6000 sl 7/2022, cards limit is still 6000
All of those cards came with bt offers and the Penfed and Discover cards will continue to give you bt offers after the first one, ymmv