How many inquiries is too many in a six months period?

[donkort]

How did you get so many inquiries?

Ive had literally 100s of inquiries over the past couple of months--all of them "soft."

[Anonymous]

I am still new to this. But I don't beieve that card issuers just look at the number of inquiries. I think they look at other factors as well.

Including how many new cards you have as well as your over all payment history. Sure there are exceptions, Citi with their 6/6 rule.

Personally I try to limit the number of HP. But I don't stress over it. When I was approved for Discover last month they did a HP on both Ex and Eq. But I didn't lose sleep over it. 

There seems to be several differant time periods issuers look at, 30 days, 90 days, 1 year. Consider your own Risk tolerence.

Am I will to trade a HP for a chance at an approval? Have I done enough research to know my approval odds?

Just consider if you were a Card issuer and how would you view:

someone with 2 inqueries and 2 credit cards in the last 30 days.

    Or

someone with 7 inquiries over the last 90 days and 6 credit cards over a year old.

   Or

someone with 0 inquiries, 2 credit cards 5 years old

--Who do you think has the most ecperience paying off credit cards?

[Anonymous]

It depends on lender really. Some are more inquiry sensitive than others; just like some are new account sensitive.

You have to study your lender then meet their requirements, but over all I try to stay at 4 or less in 12 months per bureau, but sometimes that goes out the window.

[Anonymous]

Well if you have 20 HP's in the last year and only 2 new accounts, I imagine that they assume you're being denied and act accordingly. 

[Anonymous]

Yeah, it sure doesn't help the case, does it?

[newfossil]

---

@Anonymous wrote:

Well if you have 20 HP's in the last year and only 2 new accounts, I imagine that they assume you're being denied and act accordingly. 

---

But not all hard pulls are new apps. Many do HP for increases on same card

[Anonymous]

It's still credit-seeking behavior. Doesn't matter you're not going elsewhere to get it, it's still credit-seeking behavior.