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US Bank. 2 applications, 1 credit pull?

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Uncle_Money
Established Contributor

US Bank. 2 applications, 1 credit pull?

Hey guys,

 

So I've read that US Bank will only pull 1 credit report if you app for 2 of their cards within the same day. I'm looking at their new Altitude Reserve card and the business Edge card. I just called in and a rep confirmed it would only be 1 hard pull. But we all know sometimes reps aren't exactly full of knowledge. Smiley LOL

 

This would really be awesome if it's true. That would mean only 1 Transunion pull for 2 credit cards!

 

I'm not aware of any "big banks" that use 1 pull for multiple credit products. My only experience is with PenFed Credit Union.

 

Can anyone shed some light on this? I'm looking to go for it today. Current Transunion score as of today is around 780.

 

Thanks,

 

Uncle Money

Personal: American Express Platinum - NPSL | American Express Blue Cash Preferred - $15,000 | Chase Sapphire Reserve - $38,500 | Chase Amazon Prime Visa - $7,200 | Chase Freedom - $500 | Barclaycard Arrival+ - $18,600 | PenFed Platinum Rewards - $25,000 | PenFed LOC - $10,000 | Navy Federal Credit Union Platinum Visa - $25,000 | Navy Federal Credit Union LOC - $10,000 | Citi Double Cash - $12,170 | Citizens Cash Back+ - $8,650 | Citizens LOC Overdraft - $8,000 | Discover - $10,000 | Capital One Quicksilver One - $3,600 | Capital One Platinum - $750 | Valero - $600 | Dell - $3,000 | Lowes Advantage - $30,000 | Macys Amex - $25,000 | The Home Depot - $7,500 | Tourneau - $15,000
Business: American Express Business Platinum Card - NPSL | American Express Plum Card - NPSL | American Express SimplyCash Plus - $10,000 | American Express Gold Card - NPSL | Bank of America Cash Rewards - $100,000 | Capital One Spark Business - $54,000 | Chase Business Preferred - $34,000 | Chase Business Ink - $15,000 | PNC Bank Cash Rewards Visa Signature - $19,000 | PNC LOC $100,000 | BP Business Solutions - $1,500 | KeyBank Mastercard - $6,000 | Staples More Account - $3,500

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2 REPLIES 2
Schwartzinator
Frequent Contributor

Re: US Bank. 2 applications, 1 credit pull?

I applied for a CLI and a new card on the same day back in August and they double pulled. However, I have heard a number of members with success stories getting only a single pull from USBank, Amex and Chase. YMMV.

Message 2 of 3
Anonymous
Not applicable

Re: US Bank. 2 applications, 1 credit pull?

I just made a post on this in the last couple of days. There are more data points on there if you want to search for my posts and read up. I'm in the same boat you are-thinking of aping for the Altitude and if I do might as well go for either a second Card or a CLI on one of my other Cards or lines I have with them.
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