re: Got an unknown hard credit inquiry... strange happenings

Well it looks like you pay it off on time. Like I said, I would look into requesting credit limit increases.

Also, here is a trick if you don't have any issues paying in full a little early.

They only report your credit usage once a month. If you can find out what that date (usually around 25 days before your due date) is and just make sure it's paid in full or very low on that day you will show a 0% utilization. Of course you'll be paying it off about 25 days early, but it will help keep your score closer to its max potential and help get credit limit increases and or new cards which will also increase your overall limit which is what it utilization is based on.

Then over time you can build it up your overall limit, so you have a very high limit and only need about 10% of it.