I used to only app every 90 days for any/all the cards I’d want at the time but lately it’s just been whenever (maybe 4 times in the last 4 months).
I finally got my first denail with the “too many inquiries” reason as a denial…. And it’s 32! Yes, 32 inquiries! lol
No one said anything at 10, 15, 20, 25, or even 30 inquiries.
But…. now they all say it, all of a sudden. The “free credit trackers” on Discover and Cap1 now both independently list “Too many inquiries” as a “factor that affects your credit score” – both did not say this before. Interesting, no? I wonder what the threshold was…. 30? lol