To the best of my knowledge, credit pulls on each of the three bureaus will only come off from your credit report after 2 years. However, most of the lenders (credit card companies) pay close attention to inquiries within the past 6 months. For people have established credit history (in OP's case), I think banks might just only care about if you are actively seeking for credit in the past 90 days since it maybe a sign of financial distress. It is also said that recent hard inquiries (within 12 month) on your reports do effect your credit score, but the effects of inquiries over 1 year old will be minimal.