Only MBNA shows up on the View by Others on my Experian report - one was from when we opened bank accounts with Wachovia and the overdraft protection was in the form of a credit card - no other choice - the credit card was managed by MBNA - and that was 1 inquiry.

The other inquiry was also from MBNA - this time it was a Schwab credit card I applied and got instant approval. (no foreign currency conversion fee).

All other inquiries from Chase, Citi, BankofA, were under View by You - so based on the above explanation, they are all soft inquiries.