Which Banks Are Sensitive To Inquiries?

Question:

Just about to drop a round of apps out. In general, which banks are most sensitive to inquiries? That is to say, which banks should I apply to earliest in the day, and which ones could come after that?

This question comes from reddit user ericphilbin.

Answer:

Below is a small list of banks which are known for being inquiry sensitive. These are in no particular order because it will really depend on what your individual credit profile is like. Remember that if you are denied for a card, to call the reconsideration line and state your case. When doing so it’s important to have a solid reason as to why you want the card (e.g the card offers no annual fee, or no foreign transaction fee is a good reason. Having a massive sign up bonus is a bad reason).  If you are applying for multiple cards from this list in your app-o-rama, we suggest applying for them in order of importance.

• US Bank
• Barclays
• Citi
• Chase
• American Express
• Bank of America

And some smaller banks/credit unions you may not have heard of:

• Comenity Bank
• Penfed
• FNBO