- Centurion Member
- Posts: 197
- Joined: Sun Dec 12, 2010 11:26 am
- Location: Florida
Hard vs. soft inquiry is the last of my concerns when determining if I want to apply for a credit product. The first should be "Do I need it?," or "Does this card benefit me more than the one I'm upgrading from?"
Unless you are dropping applications all over the place the inquiry won't be a problem. Inquiries become a problem when you have several per year because the ratings agencies see you as a 'credit seeker'. One every few months won't hurt a thing.
Freedom is never more than one generation away from extinction. We didn't pass it to our children in the bloodstream. It must be fought for, protected, and handed on for them to do the same.