Is it true? 2 apps on the same hard pull?

[Anonymous]

I just got approved for a Citi-branded retail card. If I wanted to try applying for an actual Citi card, is it going to do a soft pull for the second one? Are there any cards that this DOES work for?

[myjourney]

Citi will HP for each product 

As for others YMMV by lender 

Chase probably double pull per app YMMV

Amex best chance but again YMMV 

Welcome to the forum 

[Discover2016]

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@myjourney wrote:

Citi will HP for each product 

As for others YMMV by lender 

Chase probably double pull per app YMMV

Amex best chance but again YMMV 

Welcome to the forum 

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+1

[silkysean]

Nope hard pull separately for each one.I think all credit card companies have wished up and tightened the belt on this.Almost 1-2 years ago Cap one/Amex and a few others would but no more.There might still be some but I believe most major big ones changed policy.Only Credit Unions I'll use 1 hp for multiple products and even then this varies from one to another 

[kdm31091]

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@silkysean wrote:

Nope hard pull separately for each one.I think all credit card companies have wished up and tightened the belt on this.Almost 1-2 years ago Cap one/Amex and a few others would but no more.There might still be some but I believe most major big ones changed policy.Only Credit Unions I'll use 1 hp for multiple products and even then this varies from one to another 

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The creditor is never the one doing the combining. It is at the bureau level, when the pulls are assumed to be duplicated.

The creditors always do a fresh pull per application. The only difference is how the bureau interprets it (i.e. duplicate or not).