Who is inquiry friendly?

[combatmedic2107]

What CC are inquiry friendly?

Thanks,

CombatMedic2107

[Remedios]

None. Some lenders may be more tolerant depending on individual profile. 

The general rule would be if you have to ask, may not be a good idea. 

[NRB525]

Capital One is inquiry friendly. They will provide you with three friendly INQ every time you app.

[kdm31091]

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@Remedios wrote:

None. Some lenders may be more tolerant depending on individual profile. 

The general rule would be if you have to ask, may not be a good idea. 

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This. Better to just wait until you're in a position where you have few enough inquiries that you don't have to care.

[Anonymous]

Just curious as to how many inquiries you're talking about.

[combatmedic2107]

I have 15 that included car shopping and rv shopping and credit cards in the last 2 years.

[Anonymous]

For scoring purposes those vehicle loan inquiries are lumped together and count as one inquiry if they’re within a certain timeframe. Whether or not a potential credit card lender chooses to view them that way is their prerogative. If you apply and are denied, and it’s a lender that will recon, you could do so and explain the vehicle loan shopping, if that’s a denial reason.

[CreditInspired]

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@Remedios wrote:

None. Some lenders may be more tolerant depending on individual profile. 

The general rule would be if you have to ask, may not be a good idea. 

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I swear I was about to type the same response. 

[CreditInspired]

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@NRB525 wrote:
Capital One is inquiry friendly. They will provide you with three friendly INQ every time you app.

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😂🤣😂🤣. Well ok now. I got my first “laugh out loud” while laying in bed this morning. 

[CreditInspired]

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@combatmedic2107 wrote:

I have 15 that included car shopping and rv shopping and credit cards in the last 2 years.

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😭. On all 3 CRs?