topic Re: Applying for multiple Cards in Credit Card Applications

Applying for multiple Cards

Anonymous — Wed, 17 Jan 2018 18:28:47 GMT

If I apply for multiple Cards in the same day, will the 2nd and 3rd issuer etc see that I just had an inquiry and new account?(assuming I'm approved)
My fico 8 is 651 and I'm Pre-qualified for a Discover It and a Amex blue cash everyday. Would like both if possible.

Re: Applying for multiple Cards

Anonymous — Wed, 17 Jan 2018 18:36:32 GMT

This question was just asked a few days ago and the answer is it's possible. See the previous thread and comments here: http://ficoforums.myfico.com/t5/Credit-Card-Applications/Maximum-number-you-can-apply-for/m-p/5138550

if the two different lenders don't pull the same bureau, they won't see it. if they do pull the same bureau the second one apped may see it.

Lenders also can do SP pulls whenever they want to after approval, so they could see it in a week or a month.

Shouldn't matter unless your credit is really poor and you're just skating by in approval criteria. Even then it likely won't matter.

Re: Applying for multiple Cards

Anonymous — Wed, 17 Jan 2018 18:46:38 GMT

It takes less than 10 seconds for an inquiry to show up. So the second app will see the inquiry if they both pull the same bureau. They won't be able to see the approval though for usually a few weeks depending on the bank.

Re: Applying for multiple Cards

MrDisco99 — Wed, 17 Jan 2018 20:09:01 GMT

It usually takes time for new accounts to show up. Some, like, Barclay, report in about 24 hours, while most report after the first statement.

Inquiries report instantly, and are visible right away to subsequent apps. Assume that any time you try an app spree, issuers can see your previous inquiries.