topic Re: Bunching Hard Pulls together?? in Credit Card Applications

Bunching Hard Pulls together??

Anonymous — Sun, 16 Aug 2015 18:11:05 GMT

I've read several places that some companies do this, such as Amex, sometimes chase, cap1...etc..

The most common one is seeing , upon approval for an AMEX CC, to ap for a charge card right away. While i wouldn't mind having multiple cards, i just don't see a need for a charge card, i dont want to have to PIF every month. Could i just app for another cc and have it still use the same pulls?

Also with Chase and cap1, if i get declined for CSP, i intend to app for a freedom as well. That SHOULD be just the inquiries from the CSP correct? Because if i get declined for the CSP i've been told to try one of the cobranded cards and they'll use the same pulls. I just don't get whats to stop one from opening 3 cards from one issuer off all the same pulls?

I'm pretty sure i've also read that someone opened a venture, then a venture one off the same three pulls.

Re: Bunching Hard Pulls together??

Anonymous — Sun, 16 Aug 2015 18:40:13 GMT

All these are a YMMV thing. Not set in stone when it comes to the pulls. CAP 1 seems to be using the same pulls if done minutes apart but others have reported getting fresh set of pulls also.

It all comes down to if you want to spare hardpulls...

Re: Bunching Hard Pulls together??

Anonymous — Sun, 16 Aug 2015 19:36:19 GMT

SO literally all of them? I shouldn't be surprised if i get Decliend for CSP and then app for a cobranded chase card, and get a hardpull for it? Thats unfortunate. But i guess i'll still give it a shot. I'll be buried in the garden for a year by default. So i guess i'll give it a shot. Stay tuned for tuesday's data points!

Re: Bunching Hard Pulls together??

UncleB — Sun, 16 Aug 2015 19:37:05 GMT

@Anonymous wrote:
I've read several places that some companies do this, such as Amex, sometimes chase, cap1...etc..

The most common one is seeing , upon approval for an AMEX CC, to ap for a charge card right away. While i wouldn't mind having multiple cards, i just don't see a need for a charge card, i dont want to have to PIF every month. Could i just app for another cc and have it still use the same pulls?

Also with Chase and cap1, if i get declined for CSP, i intend to app for a freedom as well. That SHOULD be just the inquiries from the CSP correct? Because if i get declined for the CSP i've been told to try one of the cobranded cards and they'll use the same pulls. I just don't get whats to stop one from opening 3 cards from one issuer off all the same pulls?

I'm pretty sure i've also read that someone opened a venture, then a venture one off the same three pulls.

When I app'd with Amex, I went for the Green card first (approved), and a few minutes later I went for the BCP (also approved). They were both from a single HP for me, but this isn't technically 'guaranteed'... but it seems to be the experience of most folks on here.

I didn't try to app for a second credit card, but other folk on here have reported that while the web interface will let you get a charge and a credit back-to-back on one HP, if you try for two credit products you'll get an error on the second application (it won't be insta-approved) and they will manually push it through a few days later, with an additional hard pull. Again, I have no experience here but several folks have all said the exact same thing, and I tend to believe them.

I'm not one to advocate 'churning', but many folks get the PRG to use for a year to see how it will fit with their spending (no AF the first year). It has an attractive sign up bonus, and you can app for it the same day as one of the credit products. Had I been aware of the benefits back in the Spring, I would have got it instead of the Green...

Re: Bunching Hard Pulls together??

Anonymous — Sun, 16 Aug 2015 21:12:03 GMT

Yeah I was one of those lucky folks who applied for the PRG and another Amex back to back(Delta Gold). I was instantly approved for both and my incomes pretty low haha.
But I too have heard that Amex wont insta approve you for their standard CC's back to back. They'll either outright decline you for fraud or wait a few days to manually review.

Re: Bunching Hard Pulls together??

Anonymous — Sun, 16 Aug 2015 22:14:16 GMT

Yeah pass. I'm definitely not the guy that's catered to for charge cards. I guess I just won't have two AMEX CC's for a while....not that I'm even sure if I'd need a second one as BCE/BCP seem awesome. Just have to decide which one(and if I'd get approved for BCP)

I might still double app for Venture tho bc of the high SL.

Anyone have an idea how to tell when chase prequals expire? It's still showing, I just font want it to vanish in the next 36 hours

Re: Bunching Hard Pulls together??

Anonymous — Sun, 16 Aug 2015 22:19:14 GMT

@Anonymous wrote:
Yeah pass. I'm definitely not the guy that's catered to for charge cards. I guess I just won't have two AMEX CC's for a while....not that I'm even sure if I'd need a second one as BCE/BCP seem awesome. Just have to decide which one(and if I'd get approved for BCP)

I might still double app for Venture tho bc of the high SL.

Anyone have an idea how to tell when chase prequals expire? It's still showing, I just font want it to vanish in the next 36 hours

As long as your report is the same, it won't expire- Chase Pre-equal. The BCP is a very good card. The Venture also. Whatever you do, report back with results.

Re: Bunching Hard Pulls together??

Anonymous — Sun, 16 Aug 2015 22:37:21 GMT

Awesome. Great to know. Yeah the report won't change much at all really. Balances going down about 50 dollars, student loan went up 2000, but that yielded no change in EX, Cap1 increased a limit by 500. Realistically nothing changed.

I'll definitely be back to (hopefully) gloat Tuesday midday. I'll likely just reup a thread I have before about what cards to app for.

Scared to app for the BCP vs BCE haha. I'll probably chicken out and just go BCE.

Re: Bunching Hard Pulls together??

Anonymous — Sun, 16 Aug 2015 22:40:22 GMT

@Anonymous wrote:
Awesome. Great to know. Yeah the report won't change much at all really. Balances going down about 50 dollars, student loan went up 2000, but that yielded no change in EX, Cap1 increased a limit by 500. Realistically nothing changed.

I'll definitely be back to (hopefully) gloat Tuesday midday. I'll likely just reup a thread I have before about what cards to app for.

Scared to app for the BCP vs BCE haha. I'll probably chicken out and just go BCE.

Buckle up.. The credit game is not for the faint of heart - see blue. If it is the BCP you yearn for, go for it. Go big or go home. Looking forward to seeing results.

Re: Bunching Hard Pulls together??

UncleB — Sun, 16 Aug 2015 22:52:37 GMT

@Anonymous wrote:
@Anonymous wrote:
Awesome. Great to know. Yeah the report won't change much at all really. Balances going down about 50 dollars, student loan went up 2000, but that yielded no change in EX, Cap1 increased a limit by 500. Realistically nothing changed.

I'll definitely be back to (hopefully) gloat Tuesday midday. I'll likely just reup a thread I have before about what cards to app for.

Scared to app for the BCP vs BCE haha. I'll probably chicken out and just go BCE.
Buckle up.. The credit game is not for the faint of heart - see blue. If it is the BCP you yearn for, go for it. Go big or go home. Looking forward to seeing results.

I agree with this... I didn't think Amex would approve me for anything; I actually applied expecting a decline that would get me a free credit report... LOL.

I was approved for the BCP with an EX of 695 and a previous account that was IIBK back in 2000. I honestly believe the approval for the BCP and the BCE is likely identical; the only difference in the two is the AF and the level of rewards. Most people believe the same applies to the Green/PRG/Platinum... if you're approved for one, you would likely be approved for one of the others since the risk is the same credit-wise. It's just the benefits and the AF are different.

If you want the BCP, you should apply for the BCP. If you do and for some reason it isn't approved, you likely wouldn't have been approved for the BCE either.

Just my 2¢.

Re: Bunching Hard Pulls together??

Anonymous — Mon, 17 Aug 2015 01:53:45 GMT

IF it's a single Experian pull they go by, i could maybe get it, im at 693 atm, might be 694 at time of app. I just don't want to rescramble and try tfor a BCE and be rejected due to just apping for the BCP. Ill give it a shot i suppose though. Maybe i app for the BCp and upon decline...'wait, no this was for the BCE i was app'ing for".....

Re: Bunching Hard Pulls together??

UncleB — Mon, 17 Aug 2015 02:31:19 GMT

@Anonymous wrote:
IF it's a single Experian pull they go by, i could maybe get it, im at 693 atm, might be 694 at time of app. I just don't want to rescramble and try tfor a BCE and be rejected due to just apping for the BCP. Ill give it a shot i suppose though. Maybe i app for the BCp and upon decline...'wait, no this was for the BCE i was app'ing for".....

Let us know how it goes!

Re: Bunching Hard Pulls together??

Anonymous — Tue, 18 Aug 2015 01:45:24 GMT

I Guess we'll find out tomorrow if anyone has any last minute input it'd be much appreciated in regards to Pulls @ Chase/Cap1/Amex. Going for CSP, BCE/BCP, Venture/1 In morning

Re: Bunching Hard Pulls together??

Anonymous — Tue, 18 Aug 2015 03:13:07 GMT

Following :-)

Re: Bunching Hard Pulls together??

OmarGB9 — Tue, 18 Aug 2015 04:41:32 GMT

I'd go for chase first, then Amex and last cap1. I think cap1 is the most lenient as far as inquiries go.

Re: Bunching Hard Pulls together??

Anonymous — Tue, 18 Aug 2015 17:57:33 GMT

CSP instapproved. One down. Two to go. Will update throughout the day. I need to go get car refinanced first I believe. Incase Chase pulled Equifax.

Re: Bunching Hard Pulls together??

Anonymous — Tue, 18 Aug 2015 18:04:21 GMT

@Anonymous wrote:
CSP instapproved. One down. Two to go. Will update throughout the day. I need to go get car refinanced first I believe. Incase Chase pulled Equifax.

Very nice.. How much was it approved for? You left the best part out... Will keenly await the results of the others..

Re: Bunching Hard Pulls together??

Anonymous — Tue, 18 Aug 2015 18:41:26 GMT

Amex I got further review message. Chase pulled TU. Approved for 5k. Calling Amex now

Re: Bunching Hard Pulls together??

Anonymous — Tue, 18 Aug 2015 18:48:38 GMT

YAAHHHHHHHHHHHHHHHHHHHH. APPROVED BCP $1500 they pulled experian. Get the $250 statement bonus in the first 1,000 from card match. I had a fraud alert on my experian that's why I got further review.

Re: Bunching Hard Pulls together??

Anonymous — Tue, 18 Aug 2015 18:49:41 GMT

Bravo!