Understanding Credit Inquiries
Understanding Credit Inquiries: What They Mean for You and How to Manage Them
If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
Complimentary access to 1,300+ airport lounges worldwide with up to two guests, including every Chase Sapphire Lounge by The Club, after an easy one-time enrollment in Priority Pass™ Select.
Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
Auto Rental Collision Damage Waiver — Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.
When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.
Get free additional warranty and protection on eligible items that you purchase with your card.
Make your next meal even more memorable with access to cardholder-only reservations at award-winning restaurants and tickets to curated culinary events. Explore dining benefits.
Enjoy comprehensive, personalized assistance in dining, entertainment and travel—24 hours a day, 365 days a year.
Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.
Earn 10% cash back on purchases with Uber and Uber Eats. Plus, complimentary Uber One membership statement credits every month through November 14, 2024.
Get alerts when your TransUnion® or Experian® credit report changes. Learn more about CreditWise.
50% savings on eligible inflight purchases on JetBlue-operated flights
Enjoy access to can't-miss events across music, sports and dining with exclusive pre-sales, tickets, suite experiences and more. Explore entertainment.
Enjoy access to can't-miss events across music, sports and dining with exclusive pre-sales, tickets, suite experiences and more. Explore entertainment.
You'll get additional warranty protection at no charge on eligible items that are purchased with your credit card.
Enjoy comprehensive, personalized assistance in dining, entertainment and travel'24 hours a day, 365 days a year.
15% off the non-discounted price of select guided tours at the Disneyland® and Walt Disney World® Resorts when you use your credit card to purchase.
Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
Make your next meal even more memorable with access to cardholder-only reservations at award-winning restaurants and tickets to curated culinary events. Explore dining benefits.
Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.
Enjoy comprehensive, personalized assistance in dining, entertainment and travel'24 hours a day, 365 days a year.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Get our best prices on thousands of trip options'even after you book. Plus, pay flexibly with your rewards, a card or both. Explore Capital One Travel.
Redeem Rewards Dollars for a statement credit toward airline travel.
Redeem points sooner when you transfer points between your business and personal Altitude credit cards.
Coverage is provided in excess of other insurances against damage or loss to a rental vehicle in the USA & Canada. Coverage applies when the entire rental fee is charged to your Card.
Get complimentary Visa Signature® Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.
Get our best prices on thousands of trip options'even after you book. Plus, pay flexibly with your rewards, a card or both. Explore Capital One Travel.
Get up to $300 with the Return Protection benefit on eligible items purchased entirely with your Cash 365™ American Express® Card. If a cardmember attempts to return an eligible item within ninety (90) days from the date of purchase and the merchant will not accept it in accordance with its return policies, you may be eligible for a refund.
10% off select credit card purchases at shopDisney.com.
If you experience an illness or emergency, while traveling or working anywhere in the world, call the benefits center for help, 24/7. You can also get medical and legal referrals, prescription assistance, travel planning and other services.
Save time and be more productive with early access to overheads bins.
For eligible products purchased entirely with Card, Extended Warranty doubles the original manufacturer's (or U.S. store brand) warranty of 1 year or less.
Give the gift of Discoverist status to up to five employees.
Provides valuable features that help you manage, use, and extend the warranties for eligible items purchases
Get tools to help keep you informed of threats that may affect your identity.
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.
Receive a $100 statement credit after you purchase a JetBlue Vacations package of $100 or more with your JetBlue Business Card. Limit one statement credit per calendar year
As a Card Member, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory when you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions.
The ID Theft Protection program offered by Mastercard helps eliminate the worry of identity theft by monitoring the information you choose to protect and alerting you if suspicious activity is found. It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins. Visit mastercardidps.idprotectiononline.com to learn more.
Enjoy unlimited access for you and 2 guests to 1,300+ lounges worldwide from Priority Pass™ and Plaza Premium Group.
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—plus transfer miles to your choice of 15+ travel loyalty programs.
Skip the rental counter and enjoy the widest selection of cars with a complimentary upgrade.
Receive up to a $100 credit for Global Entry or TSA PreCheck®.
Protect your cell phone every time you pay your bill with your Venture X card. If it’s stolen or damaged, you’ll get reimbursed up to $800.
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
Get reimbursed for damage or theft when you pay for a rental car with the Venture X card.
Receive an annual $300 credit for bookings through Capital One Travel.
Make your next meal even more memorable with access to cardholder-only reservations at award-winning restaurants and tickets to curated culinary events. Explore dining benefits.
Enjoy access to can't-miss events across music, sports and dining with exclusive pre-sales, tickets, suite experiences and more. Explore entertainment.
Make your next meal even more memorable with access to cardholder-only reservations at award-winning restaurants and tickets to curated culinary events. Explore dining benefits.
Enjoy access to can't-miss events across music, sports and dining with exclusive pre-sales, tickets, suite experiences and more. Explore entertainment.
Escape the airport crowd by visiting our all-inclusive Lounges—enjoy unlimited complimentary access for you and 2 guests per visit.
Our business cards offer services to help you during auto-related emergencies, such as jump-starting, tire changing and towing.
With your Spark card, you’re covered for any damage or theft that may happen when you rent an eligible car.
Let Citi Entertainment bring the fun to you. Through the Citi Entertainment program you can enjoy access to purchase pre-sale tickets for music, sports, culinary experiences and more — from virtually anywhere.
Priority Boarding for any cardholder when paying for the flight with an Alaska Airlines Business card.
Free checked bag for any cardholder and up to 6 guests on the same reservation when you pay for your flight with your card - that's a savings of $60 per person roundtrip!
Earn another Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) each account anniversary after spending $6,000 or more on purchases within the prior anniversary year.
Get $100 off an annual Alaska Lounge+ Membership purchased with your Alaska Airlines Business card.
Enjoy 20% back on Alaska Airlines inflight purchases when you pay with your new card.
Free checked bag for any cardholder who purchases airfare with their card, and up to 6 additional guests traveling on the same reservation.
You'll enjoy priority boarding when you pay for your flight with your card, so you can get to your seat quicker.
Get a $99 Companion Fare (plus taxes and fees from $23) each account anniversary after you spend $6,000 or more in purchases within the prior anniversary year.
You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations.
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
A 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, or locksmith service when you need them. For assistance, call 1-800-847-2869. Refer to your Guide to Benefits for more information. Terms apply.
When you use your enrolled Delta SkyMiles(R) Platinum American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $10 back each month in statement credits.
With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
Work out at home with Equinox+ and get up to $120 back annually. Use your Blue Cash Preferred® Card to pay for a subscription1 to Equinox+ at equinoxplus.com and receive $10 in monthly statement credits.
Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Effective September 26, 2024, Milk Bar and Shake Shack will no longer be participating partners for the $120 Dining Credit and 'Enrollment required' for select benefits
You and any authorized users on your account are eligible for Priority Boarding on Aer Lingus flights departing from and returning to the US from Ireland, subject to availability.
Board early, secure a spot for your carry-on, and enjoy plenty of time to settle in before takeoff on your next Delta flight with Zone 5 Priority Boarding.
Board early, secure a spot for your carry-on, and enjoy plenty of time to settle in before takeoff on your next Delta flight with Zone 5 Priority Boarding.
Board early, secure a spot for your carry-on, and enjoy plenty of time to settle in before takeoff on your next Delta flight with Zone 5 Priority Boarding.
You won’t be held responsible for unauthorized charges made with your card for account information. If you see an unauthorized charge, simply call the number on the back of your card.
You won't be held responsible for unauthorized charges made with your card or account information.
Enjoy 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets and more. Available 365 days a year from home or abroad.
Get complimentary Visa Signature® Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.
Get complimentary Visa Signature® Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.
Get complimentary Visa Signature® Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.
Get complimentary Visa Signature Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.
Earn a Travel Together Ticket every calendar year you make $30,000 in purchases on your British Airways credit card. Valid for two years when you redeem Avios for a flight on British Airways for a companion traveling on the same flight, or use it for a 50% discount on the Avios price you pay when booking a solo reward flight.*Opens offer details overlay For more details, visit ba.com/TravelTogetherTicketOpens Overlay.
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $1,000,000.
This exceptional group of over 1,000 properties includes many of the world's most exquisite hotels, resorts, lodges and spas, each of which extend you complimentary Cardmember benefits with every stay. Make a reservation through the program using your Chase card to receive the following benefits including daily breakfast for two, a special benefit unique to each property, such as a dining or spa credit, complimentary Wi-Fi, a room upgrade, if available, and early check-in and late checkout, if available. Please visit for more information.
If you have a roadside emergency, call 1-800-847-2869 anytime to dispatch the help you need ' anything from a tow or jumpstart to a tire change, lockout service, winching or gas delivery. Roadside service fees will be provided when you call and will be billed to your card.
If you have a roadside emergency, call 1-800-847-2869 anytime to dispatch the help you need ' anything from a tow or jumpstart to a tire change, lockout service, winching or gas delivery. Roadside service fees will be provided when you call and will be billed to your card.
If you have a roadside emergency, call 1-800-847-2869 anytime to dispatch the help you need ' anything from a tow or jumpstart to a tire change, lockout service, winching or gas delivery. Roadside service fees will be provided when you call and will be billed to your card.
If you have a roadside emergency, call the Benefit Administrator to dispatch the help you need. Roadside service fees will be billed to your card.
If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.
If you try to return an eligible item within 90 days from the date of purchase and the merchant won't take it back, American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.
You can be reimbursed for eligible items that the store won't take back within 90 days of purchase. Up to $500 per item, $1,000 per year
With Return Protection, you may return eligible purchases to American Express if the seller won't take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year.
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year.
Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.
Shop with added confidence and Purchase Protection♦, which can help protect Covered Purchases made with your Eligible Card against accidental damage and theft for up to 90 days from the Covered Purchase date. Coverage Limits Apply.
When an American Express Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
When you use your Eligible Card to make a Covered Purchase, you can get up to one extra year added to the Original Manufacturer's Warranty. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.
With Extended Warranty♦︎ you can shop with less worry knowing the terms of the Original Manufacturer's Warranty can be extended up to one additional year.
With Extended Warranty you can shop with less worry knowing the terms of the Original Manufacturer's Warranty can be extended up to one additional year. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.
If you're 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses if you or your immediate family member become sick or injured.
If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.
Earn an Elite Status Level Up of one tier to 35K Status or higher for existing status holders with $50,000 in account spend during a calendar year.
Each calendar year you can receive 15 Elite Night Credits towards the next level of Marriott Bonvoy Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
Premier qualifying points (PQP) help you earn MileagePlus Premier® status, which provides you with an enhanced travel experience. You'll earn 500 PQP for every $12,000 you spend on purchases with your Club Card (up to 10,000 Premier qualifying points per calendar year) that can be applied toward your Premier status qualification, up to the Premier 1K level. Visit for details about earning Premier status.
Premier qualifying points (PQP) help you earn MileagePlus Premier® status, which provides you with an enhanced travel experience. You'll earn 500 PQP for every $12,000 you spend on purchases with your Quest Card (up to 6,000 PQP in a calendar year) that can be applied toward your Premier status qualification, up to the Premier 1K level. Visit for details about earning Premier status.
Earn 5 Avios for every $1 spent on gas, grocery stores and dining for the first 12 months of account opening, or until you reach $10,000 in combined purchases. Normally, these category purchases earn 1 Avios.
Earn 5 Avios for every $1 spent on gas, grocery stores and dining for the first 12 months of account opening, or until you reach $10,000 in combined purchases. Normally, these category purchases earn 1 Avios.
Premier qualifying points (PQP) help you earn MileagePlus Premier® status, which provides you with an enhanced travel experience. You'll earn 500 PQP for every $12,000 you spend on purchases with your United℠ Business Card (up to 1,000 PQP in a calendar year) that can be applied toward your Premier status qualification, up to the Premier 1K level. Visit for details about earning Premier status.
Premier qualifying points (PQP) help you earn MileagePlus Premier® status, which provides you with an enhanced travel experience. You'll earn 500 PQP for every $12,000 you spend on purchases with your Explorer Card (up to 1,000 PQP in a calendar year) that can be applied toward your Premier status qualification, up to the Premier 1K level. Visit for details about earning Premier status.
Get one Free Night Award every year, after your Card renewal month. And earn another Free Night Award after you spend $60,000 in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at over 7,000 hotels participating in the Marriott Bonvoy program worldwide. Certain hotels have resort fees.
2 EarlyBird Check-In® each year.
2 EarlyBird Check-In® each year
Receive 9,000 bonus points each year after your Cardmember anniversary.
Get 50% more value when you redeem for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
Points are worth 25% more when you redeem for travel through Chase Travel℠. For example, 100,000 points are worth $1,250 towards travel.
25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card.
$500 Fee credit for points transfers when you use your Rapid Rewards Business Credit Card to transfer points to another Rapid Rewards Member, fees associated with the transfer will be reimbursed – up to $500 in statement credits per anniversary year.
When you use your Rapid Rewards Business Credit Card to transfer points to another Rapid Rewards Member, fees associated with the transfer will be reimbursed – up to $500 in statement credits per anniversary year.
Understanding Credit Inquiries: What They Mean for You and How to Manage Them
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I know many people worry about credit inquiries on their reports. It makes sense - they can affect your score and future applications. But not every inquiry impacts you the same way. Let me walk you through what they are and when they actually matter.
When someone reviews your credit history, that's a credit inquiry. There are two different types, and understanding the difference will help you manage your credit better.
Hard inquiries happen when you apply for credit. Lenders are legally required to report these applications on your credit report so other lenders can see your recent credit activity. This helps them make informed decisions about your applications.
You'll see these when:
What this means for you:
Soft inquiries won't affect your credit score at all. These happen more often than you might think.
These occur when:
What you need to know:
If you're shopping for a major loan, you have some flexibility. Credit scoring models give you a 45-day window where multiple inquiries for the same type of loan count as one inquiry. This lets you compare rates without worrying about multiple hits to your credit.
If you spot inquiries you don't recognize, contact the credit bureau and ask which lender made the inquiry. Then call that lender to check if someone opened an account. If you suspect identity theft, tell the bureau immediately, dispute the inquiries, and request a credit freeze. File an identity theft report at identitytheft.gov to protect yourself.
Watch your hard inquiries, but don't stress too much about them. Try to space out credit applications when possible, and use that rate-shopping window for big loans. Regular credit report checks will help you stay on top of things. And if you see something suspicious, act quickly - early action prevents bigger problems later.
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