Originally Posted by
HikerT
Some may balk at 3+. Unfortunately, there is not one rule for any given issuer and the formula might vary with other factors. There could be a different threshold depending on how well you score in other areas. The don't just use the scoring model of the credit bureau they pull..
Very true. Your posts are by far the most realistic ones - especially about the "score in other areas."
Originally Posted by
Million Mile Secrets
You're right, that "some" may balk at 3.
However, in my experience with Chase, Citi, Amex, Barclays, and BOA the limit is usually 6 hard inquiries per 6 months - and these are the major players in the credit card bonus game!
Ric from Frugal Travel Guy also suggests not more than 6 hard inquiries.
The caveat is - that is Your Experience, but not necessarily apply to all others.
For a good number of people, this is the general case. However for folks that are younger, or not have a long credit history, they may be subject to more restrict rules.
One thing that is a bit of misleading is, people reading the posts on internet and often fall into a "cookie cutter" mentality - in reality, more often than not the general rules may not apply.
I definitely have seen denials with only 3 inquiries in 6 months from helping others in playing this game.