How many inquiries in a month/quarter is healthy?

[Hell_Kitty]

Just wondering if there's a number that anyone tested here. In pursuit of Infinia I ended up having 4 new cards in the last 3 months. Also, the hard enquiry shot up to from 0 for last 3 years to 9 in last 3 months. Despite that my CIBIL score went up by 35 points in the last 90 days. Not sure when it will be screwed but want to be cautious and make sure I don't end up being blacklisted for any new cards in the near future.

PS: If it helps my credit history is 11 years old.

Any inputs/guidance is truly appreciated.

@SSV @vaibhav111 @Vasuki @helloworld @D₹V

 

[Zacobite]

Just wondering if there's a number that anyone tested here. In pursuit of Infinia I ended up having 4 new cards in the last 3 months. Also, the hard enquiry shot up to from 0 for last 3 years to 9 in last 3 months. Despite that my CIBIL score went up by 35 points in the last 90 days. Not sure when it will be screwed but want to be cautious and make sure I don't end up being blacklisted for any new cards in the near future.

PS: If it helps my credit history is 11 years old.

Any inputs/guidance is truly appreciated.

@SSV @vaibhav111 @Vasuki @helloworld @D₹V

wait for 6-9 months now.. dont apply anywhere in a rush.. let score settle

 

[helloworld]

Just wondering if there's a number that anyone tested here. In pursuit of Infinia I ended up having 4 new cards in the last 3 months. Also, the hard enquiry shot up to from 0 for last 3 years to 9 in last 3 months. Despite that my CIBIL score went up by 35 points in the last 90 days. Not sure when it will be screwed but want to be cautious and make sure I don't end up being blacklisted for any new cards in the near future.

PS: If it helps my credit history is 11 years old.

Any inputs/guidance is truly appreciated.

@SSV @vaibhav111 @Vasuki @helloworld @D₹V

very minimal impact for you. but give it a gap between fresh applications.

anycase, no worries for you.

 

[Vasuki]

Just wondering if there's a number that anyone tested here. In pursuit of Infinia I ended up having 4 new cards in the last 3 months. Also, the hard enquiry shot up to from 0 for last 3 years to 9 in last 3 months. Despite that my CIBIL score went up by 35 points in the last 90 days. Not sure when it will be screwed but want to be cautious and make sure I don't end up being blacklisted for any new cards in the near future.

PS: If it helps my credit history is 11 years old.

Any inputs/guidance is truly appreciated.

@SSV @vaibhav111 @Vasuki @helloworld @D₹V

Getting a credit card is all about luck not how many inquiry u did
Ofc if u go bonkers that's absolutely trash

But even if u have say 4 enquiry a month & u got luck u are getting the card
If you unlucky no enquiry in 6 month won't bring fortune

 

[BrokenBoot]

naa chahte hue bhi 3-4 enquiry per month ho jaati h merse .
score is 777
credit history 2Y 10M

 

[SonyTom]

One or two enquiries a month is perfectly fine

 

[cardy]

Just wondering if there's a number that anyone tested here. In pursuit of Infinia I ended up having 4 new cards in the last 3 months. Also, the hard enquiry shot up to from 0 for last 3 years to 9 in last 3 months. Despite that my CIBIL score went up by 35 points in the last 90 days. Not sure when it will be screwed but want to be cautious and make sure I don't end up being blacklisted for any new cards in the near future.

PS: If it helps my credit history is 11 years old.

Any inputs/guidance is truly appreciated.

@SSV @vaibhav111 @Vasuki @helloworld @D₹V

11 years is itself a milestone for credit history. So 2-3 enquiry can't bite your score at all if they doesn't decline then the score has nearly no effect on it

 

[navdeep22]

Yes ,mine are 1 query a month , rarely 2 queries and cibil drop by less than 10 points and then again goes back up to the same after 1 month

 

[SSV]

Just wondering if there's a number that anyone tested here. In pursuit of Infinia I ended up having 4 new cards in the last 3 months. Also, the hard enquiry shot up to from 0 for last 3 years to 9 in last 3 months. Despite that my CIBIL score went up by 35 points in the last 90 days. Not sure when it will be screwed but want to be cautious and make sure I don't end up being blacklisted for any new cards in the near future.

PS: If it helps my credit history is 11 years old.

Any inputs/guidance is truly appreciated.

@SSV @vaibhav111 @Vasuki @helloworld @D₹V

No need to worry about your hard enquiries at all, as your credit age is more thatn 10 years..
Just give a breather for the next 1 or 2 months for any new applications and get another 10 enquiries , even then there wont be any issues at all..
Only thing is just spread the enquires like, 3 a month , rather thasn all 10 in one month.. thats it..

So the answer to your query: 3 a month is no problem at all..
Until 5 a month is also okay.. even if there is a slight impact, the score wil recover quickly in a month or so..
So, dont stress too much about the no. of wenquiries in your case..
The no.of enquiries matter a bit for those with credit profile age < 5 years


For more details look at my article here:

Thread 'CIBIL Score - A Practical Guide'

Jul 18, 2024

CIBIL Score - A Practical Guide

Discalimer: This is mainly for regular Credt Card users who pay all their dues before due date and wondering why their score is not increasing..
Here we dont discuss the cases where there were defaults and / or delayed payments..that is for another day..​

Ladies and Gentelmen,

Here is the much awaited post on CIBIL Score and how it works and what we should do to improve it over the period of the time..

Here I won't go in detail about how the score is constructed as there were numerous posts on the internet in explaining the CIBIL score...

• SSV
• cibil score
• Replies: 391
• Forum: Informative Threads

• 
• 
• 

the relevant section is shared here... for your quick reference:..

 

[tachniki]

I felt relaxed seeing this. I have caused too many cibil hit recently. HDFC responsible for it.

 

[helloworld]

I felt relaxed seeing this. I have caused too many cibil hit recently. HDFC responsible for it.

relaxed only if credit age > 5 years otherwise you need to consider and limit it. Doesn't matter who responsible but ultimately its on your cibil.

 

[tachniki]

relaxed only if credit age > 5 years otherwise you need to consider and limit it. Doesn't matter who responsible but ultimately its on your cibil.

19 years. So, hopefully ok.

 

[SSV]

19 years. So, hopefully ok.

You can safely forget about no of enquiries concept to a large extent.....
If any negative impoact is there, it will only be short lived (will recover in 1 to 2 months)..

 

[vaibhav111vaibhav111 is verified member.]

Just wondering if there's a number that anyone tested here. In pursuit of Infinia I ended up having 4 new cards in the last 3 months. Also, the hard enquiry shot up to from 0 for last 3 years to 9 in last 3 months. Despite that my CIBIL score went up by 35 points in the last 90 days. Not sure when it will be screwed but want to be cautious and make sure I don't end up being blacklisted for any new cards in the near future.

PS: If it helps my credit history is 11 years old.

Any inputs/guidance is truly appreciated.

@SSV @vaibhav111 @Vasuki @helloworld @D₹V

For 11 yr old. It won't any big impact. They are some private bank cc that hate any cibil inquiry in last 6 month bu then who would apply for standard chartered ultimate now. So don't worry cause of cibil age of your it will very less impact until you want 800 score then it different thing

 

[tachniki]

YOu can forget about no of enquiries concept safely...
If any negative impoact is there, it will only be short lived (say 1 to 2 months)..

Thank you sir.