topic Re: Double Apping in Credit Card Applications

Double Apping

Cmikul — Tue, 29 Sep 2015 02:53:27 GMT

ok, I've made a fair attempt at searching and didn't find anything ....everyone talks about double apping a bank. i.e. applying for Freedom and CSP on the same day

how or what is the correct way to do this logistically?

do you just app both cards one after the other? Do you call in ?

is there a certain protocol to help your chances or avoiding a double HP?

sorry, I know it's a newb question but wish someone would make it a sticky some where....or point me in the right direction.

Re: Double Apping

Anonymous — Tue, 29 Sep 2015 03:13:44 GMT

@Cmikul wrote:
ok, I've made a fair attempt at searching and didn't find anything ....everyone talks about double apping a bank. i.e. applying for Freedom and CSP on the same day

how or what is the correct way to do this logistically?

do you just app both cards one after the other? Do you call in ?

is there a certain protocol to help your chances or avoiding a double HP?

sorry, I know it's a newb question but wish someone would make it a sticky some where....or point me in the right direction.

my favorite topic!

There used to be what was called a 2bm, 3bm, etc. Multiple browser method. Basically you were tricking the system so to speak. Or people would do app-o-ramas with other banks hoping one wouldnt see the other in rapid succession. This is no longer required. Basically the inquiries are merged, either by the bank or by the bureaus at the end of the day.

Chase can always pull a 2nd bureau, regardless if you go for multiple cards. There is a list of ones that let you combine. I know citi does not (and they can do a 2nd HP). Amex, chase, bank of america, us bank, barclays, etc they all combine. The caveat is amex is only 1 charge card and 1 credit card per day. Chase you can do more than 2, but have to phone in one at a time for approval if not instant. Capital one is a triple pull regardless but you can still app for 3 cards unless you have hit a limit with a number of cards they permit. Chase you can have unlimited cobranded cards. But for CSP, Slate, Freedom, Ink you must have fewer than 5 new accounts in the last 2 years to get approved. Unless of course you have tons of money in their bank and go in branch and beg for approval.

In my experience, Amex had me call in as they thought it was fraudulent. They approved me right away. Not sure how well chase would be for cobranded cards, as its best to not call in, to let it process over the weeks....it could be difficult to app for multiple cobranded cards only and have the inquiries merge? I don't know, maybe not.

You can get to a point where you have so many inquiries they stop hurting your score so much. You could also be new to credit, and adding extra cards could hurt your score more due to a lower average age of accounts.

Re: Double Apping

Cmikul — Tue, 29 Sep 2015 03:20:24 GMT

ok, that's good...so I can just do it on the site apps. ...and call in if there are any issues.

it's more for my spouse...she's been gardening for a while....2yrs maybe....and getting Chase pre-quals but no CSP yet.

As soon as that hits she's apping for CSP and Freedom

I'm waiting for my AMEX 3X date to hit before I try anything else but I will most likely go for something on that date as well.

Thank you for the response

Re: Double Apping

Anonymous — Tue, 29 Sep 2015 03:23:44 GMT

@Cmikul wrote:
ok, that's good...so I can just do it on the site apps. ...and call in if there are any issues.

it's more for my spouse...she's been gardening for a while....2yrs maybe....and getting Chase pre-quals but no CSP yet.

As soon as that hits she's apping for CSP and Freedom

I'm waiting for my AMEX 3X date to hit before I try anything else but I will most likely go for something on that date as well.

Thank you for the response

NP. Some folks have even grabbed a CSP, then a Slate and a freedom, and move the limit from the slate to the freedom....all in one. I wouldnt tell just anyone to do it.

Good luck on your amex 3x cli. Mine was denied. Have to wait until november 24th! They have tightened the reigns for sure

Re: Double Apping

UncleB — Thu, 01 Oct 2015 01:28:38 GMT

@Anonymous wrote:
@Cmikul wrote:
ok, I've made a fair attempt at searching and didn't find anything ....everyone talks about double apping a bank. i.e. applying for Freedom and CSP on the same day

how or what is the correct way to do this logistically?

do you just app both cards one after the other? Do you call in ?

is there a certain protocol to help your chances or avoiding a double HP?

sorry, I know it's a newb question but wish someone would make it a sticky some where....or point me in the right direction.

my favorite topic!

There used to be what was called a 2bm, 3bm, etc. Multiple browser method. Basically you were tricking the system so to speak. Or people would do app-o-ramas with other banks hoping one wouldnt see the other in rapid succession. This is no longer required. Basically the inquiries are merged, either by the bank or by the bureaus at the end of the day.

Chase can always pull a 2nd bureau, regardless if you go for multiple cards. There is a list of ones that let you combine. I know citi does not (and they can do a 2nd HP). Amex, chase, bank of america, us bank, barclays, etc they all combine. The caveat is amex is only 1 charge card and 1 credit card per day. Chase you can do more than 2, but have to phone in one at a time for approval if not instant. Capital one is a triple pull regardless but you can still app for 3 cards unless you have hit a limit with a number of cards they permit. Chase you can have unlimited cobranded cards. But for CSP, Slate, Freedom, Ink you must have fewer than 5 new accounts in the last 2 years to get approved. Unless of course you have tons of money in their bank and go in branch and beg for approval.

In my experience, Amex had me call in as they thought it was fraudulent. They approved me right away. Not sure how well chase would be for cobranded cards, as its best to not call in, to let it process over the weeks....it could be difficult to app for multiple cobranded cards only and have the inquiries merge? I don't know, maybe not.

You can get to a point where you have so many inquiries they stop hurting your score so much. You could also be new to credit, and adding extra cards could hurt your score more due to a lower average age of accounts.

Very complete and eloquently stated... I have absolutely nothing to add!

Re: Double Apping

Atonswife — Fri, 02 Oct 2015 18:56:14 GMT

Re: Double Apping

LadyJEsq — Sat, 03 Oct 2015 04:08:40 GMT

@UncleB wrote:
@Anonymous wrote:
@Cmikul wrote:
ok, I've made a fair attempt at searching and didn't find anything ....everyone talks about double apping a bank. i.e. applying for Freedom and CSP on the same day

how or what is the correct way to do this logistically?

do you just app both cards one after the other? Do you call in ?

is there a certain protocol to help your chances or avoiding a double HP?

sorry, I know it's a newb question but wish someone would make it a sticky some where....or point me in the right direction.

my favorite topic!

There used to be what was called a 2bm, 3bm, etc. Multiple browser method. Basically you were tricking the system so to speak. Or people would do app-o-ramas with other banks hoping one wouldnt see the other in rapid succession. This is no longer required. Basically the inquiries are merged, either by the bank or by the bureaus at the end of the day.

Chase can always pull a 2nd bureau, regardless if you go for multiple cards. There is a list of ones that let you combine. I know citi does not (and they can do a 2nd HP). Amex, chase, bank of america, us bank, barclays, etc they all combine. The caveat is amex is only 1 charge card and 1 credit card per day. Chase you can do more than 2, but have to phone in one at a time for approval if not instant. Capital one is a triple pull regardless but you can still app for 3 cards unless you have hit a limit with a number of cards they permit. Chase you can have unlimited cobranded cards. But for CSP, Slate, Freedom, Ink you must have fewer than 5 new accounts in the last 2 years to get approved. Unless of course you have tons of money in their bank and go in branch and beg for approval.

In my experience, Amex had me call in as they thought it was fraudulent. They approved me right away. Not sure how well chase would be for cobranded cards, as its best to not call in, to let it process over the weeks....it could be difficult to app for multiple cobranded cards only and have the inquiries merge? I don't know, maybe not.

You can get to a point where you have so many inquiries they stop hurting your score so much. You could also be new to credit, and adding extra cards could hurt your score more due to a lower average age of accounts.
+1

Very complete and eloquently stated... I have absolutely nothing to add!

I agree, it is. However, I do have one thing to add. I would suggest that the OP make sure that he's applying on the same day in all time zones. I applied for both my Q and V in a matter of 10mins, but because it was so late, they show as different application dates. It was still the same day for me, but I slipped into the following day in the Eastern time zone. The net result is 5 Cap1 inquires across all CR.

Re: Double Apping

UncleB — Sat, 03 Oct 2015 04:49:22 GMT

@LadyJEsq wrote:
@UncleB wrote:
@Anonymous wrote:
@Cmikul wrote:
ok, I've made a fair attempt at searching and didn't find anything ....everyone talks about double apping a bank. i.e. applying for Freedom and CSP on the same day

how or what is the correct way to do this logistically?

do you just app both cards one after the other? Do you call in ?

is there a certain protocol to help your chances or avoiding a double HP?

sorry, I know it's a newb question but wish someone would make it a sticky some where....or point me in the right direction.

my favorite topic!

There used to be what was called a 2bm, 3bm, etc. Multiple browser method. Basically you were tricking the system so to speak. Or people would do app-o-ramas with other banks hoping one wouldnt see the other in rapid succession. This is no longer required. Basically the inquiries are merged, either by the bank or by the bureaus at the end of the day.

Chase can always pull a 2nd bureau, regardless if you go for multiple cards. There is a list of ones that let you combine. I know citi does not (and they can do a 2nd HP). Amex, chase, bank of america, us bank, barclays, etc they all combine. The caveat is amex is only 1 charge card and 1 credit card per day. Chase you can do more than 2, but have to phone in one at a time for approval if not instant. Capital one is a triple pull regardless but you can still app for 3 cards unless you have hit a limit with a number of cards they permit. Chase you can have unlimited cobranded cards. But for CSP, Slate, Freedom, Ink you must have fewer than 5 new accounts in the last 2 years to get approved. Unless of course you have tons of money in their bank and go in branch and beg for approval.

In my experience, Amex had me call in as they thought it was fraudulent. They approved me right away. Not sure how well chase would be for cobranded cards, as its best to not call in, to let it process over the weeks....it could be difficult to app for multiple cobranded cards only and have the inquiries merge? I don't know, maybe not.

You can get to a point where you have so many inquiries they stop hurting your score so much. You could also be new to credit, and adding extra cards could hurt your score more due to a lower average age of accounts.
+1

Very complete and eloquently stated... I have absolutely nothing to add!
I agree, it is. However, I do have one thing to add. I would suggest that the OP make sure that he's applying on the same day in all time zones. I applied for both my Q and V in a matter of 10mins, but because it was so late, they show as different application dates. It was still the same day for me, but I slipped into the following day in the Eastern time zone. The net result is 5 Cap1 inquires across all CR.

Excellent addition!

I honestly never would have even thought about that... that's what I love about coming here - I get to learn from the collective experiences of everyone, both the 'bumps' and the triumphs!

Re: Double Apping

Anonymous — Mon, 05 Oct 2015 09:01:40 GMT

@Anonymous wrote:
@Cmikul wrote:
ok, I've made a fair attempt at searching and didn't find anything ....everyone talks about double apping a bank. i.e. applying for Freedom and CSP on the same day

how or what is the correct way to do this logistically?

do you just app both cards one after the other? Do you call in ?

is there a certain protocol to help your chances or avoiding a double HP?

sorry, I know it's a newb question but wish someone would make it a sticky some where....or point me in the right direction.

my favorite topic!

There used to be what was called a 2bm, 3bm, etc. Multiple browser method. Basically you were tricking the system so to speak. Or people would do app-o-ramas with other banks hoping one wouldnt see the other in rapid succession. This is no longer required. Basically the inquiries are merged, either by the bank or by the bureaus at the end of the day.

Chase can always pull a 2nd bureau, regardless if you go for multiple cards. There is a list of ones that let you combine. I know citi does not (and they can do a 2nd HP). Amex, chase, bank of america, us bank, barclays, etc they all combine. The caveat is amex is only 1 charge card and 1 credit card per day. Chase you can do more than 2, but have to phone in one at a time for approval if not instant. Capital one is a triple pull regardless but you can still app for 3 cards unless you have hit a limit with a number of cards they permit. Chase you can have unlimited cobranded cards. But for CSP, Slate, Freedom, Ink you must have fewer than 5 new accounts in the last 2 years to get approved. Unless of course you have tons of money in their bank and go in branch and beg for approval.

In my experience, Amex had me call in as they thought it was fraudulent. They approved me right away. Not sure how well chase would be for cobranded cards, as its best to not call in, to let it process over the weeks....it could be difficult to app for multiple cobranded cards only and have the inquiries merge? I don't know, maybe not.

You can get to a point where you have so many inquiries they stop hurting your score so much. You could also be new to credit, and adding extra cards could hurt your score more due to a lower average age of accounts.

Thanks a lot for your information. Had i known about 2BM or 3BM, i would've tried it when i got my first round of new CC's 6 months ago. I'll be trying this next year. Could you please clarify a few things in still confused about?

This is no longer required. Basically the inquiries are merged, either by the bank or by the bureaus at the end of the day. Chase can always pull a 2nd bureau. If i read this right, Amex, Chase, Bank of America, US Bank, and Barclays will combine if you do multiple apps in one day, regardless if you 2BM or apply once in the morning and once in the afternoon as long as it's the same day? However Chase may pull a second bureau but combine those two bureaus for multiple apps? And Citi definitely will not combine a HP for multiple apps? What is Capital One's stance on this?

Not sure how well chase would be for cobranded cards, as its best to not call in, to let it process over the weeks Hypothetical, if i double app with Chase co-branded and i get approved for the first and i get a 7-10 day letter on the second, don't bother to call or anything? What if they decline because of suspected fradulent activity? The way it's worded, if they do not instantly approve or apprive after a app review, i would be SOL cause i can't call to recon and explain my case. Why is it bad to call with Chase?

Re: Double Apping

Cmikul — Mon, 05 Oct 2015 14:09:33 GMT

This is all great info. Exactly the kind of detail I was looking for.

I'm condsidering a mini app spree this week.

I have a pre-approvals for Freedom , Venture and QS all sitting out there waiting to be plucked.

What I want is a CSP .....but chicken to app and get declined

Re: Double Apping

lhcole77 — Tue, 06 Oct 2015 01:13:54 GMT

@Anonymous wrote:
my favorite topic!

There used to be what was called a 2bm, 3bm, etc. Multiple browser method. Basically you were tricking the system so to speak. Or people would do app-o-ramas with other banks hoping one wouldnt see the other in rapid succession. This is no longer required. Basically the inquiries are merged, either by the bank or by the bureaus at the end of the day.

Chase can always pull a 2nd bureau, regardless if you go for multiple cards. There is a list of ones that let you combine. I know citi does not (and they can do a 2nd HP). Amex, chase, bank of america, us bank, barclays, etc they all combine. The caveat is amex is only 1 charge card and 1 credit card per day. Chase you can do more than 2, but have to phone in one at a time for approval if not instant. Capital one is a triple pull regardless but you can still app for 3 cards unless you have hit a limit with a number of cards they permit. Chase you can have unlimited cobranded cards. But for CSP, Slate, Freedom, Ink you must have fewer than 5 new accounts in the last 2 years to get approved. Unless of course you have tons of money in their bank and go in branch and beg for approval.

In my experience, Amex had me call in as they thought it was fraudulent. They approved me right away. Not sure how well chase would be for cobranded cards, as its best to not call in, to let it process over the weeks....it could be difficult to app for multiple cobranded cards only and have the inquiries merge? I don't know, maybe not.

You can get to a point where you have so many inquiries they stop hurting your score so much. You could also be new to credit, and adding extra cards could hurt your score more due to a lower average age of accounts.

Have all these techniques personally worked for you?

Re: Double Apping

Anonymous — Tue, 06 Oct 2015 03:42:00 GMT

@lhcole77 wrote:
@Anonymous wrote:
my favorite topic!

There used to be what was called a 2bm, 3bm, etc. Multiple browser method. Basically you were tricking the system so to speak. Or people would do app-o-ramas with other banks hoping one wouldnt see the other in rapid succession. This is no longer required. Basically the inquiries are merged, either by the bank or by the bureaus at the end of the day.

Chase can always pull a 2nd bureau, regardless if you go for multiple cards. There is a list of ones that let you combine. I know citi does not (and they can do a 2nd HP). Amex, chase, bank of america, us bank, barclays, etc they all combine. The caveat is amex is only 1 charge card and 1 credit card per day. Chase you can do more than 2, but have to phone in one at a time for approval if not instant. Capital one is a triple pull regardless but you can still app for 3 cards unless you have hit a limit with a number of cards they permit. Chase you can have unlimited cobranded cards. But for CSP, Slate, Freedom, Ink you must have fewer than 5 new accounts in the last 2 years to get approved. Unless of course you have tons of money in their bank and go in branch and beg for approval.

In my experience, Amex had me call in as they thought it was fraudulent. They approved me right away. Not sure how well chase would be for cobranded cards, as its best to not call in, to let it process over the weeks....it could be difficult to app for multiple cobranded cards only and have the inquiries merge? I don't know, maybe not.

You can get to a point where you have so many inquiries they stop hurting your score so much. You could also be new to credit, and adding extra cards could hurt your score more due to a lower average age of accounts.
Have all these techniques personally worked for you?

Yep except for BOA being super picky (resorted to a joint app) and being denied for BBR. I started diligently working on my credit here back in May. Everything in my signature after amazon has been added since then. Scores have risen 100 points now. You guys make this pretty fun!

I dont really care much about my scores. Like you, my main concern is getting great value and a bonus! :-) Long term, I just want to be able to pay for property taxes, insurance, etc, and be rewarded for it...aka get a new card twice a year. Just something about inquiries drive me crazy.

Re: Double Apping

KSK1912 — Tue, 06 Oct 2015 04:27:32 GMT

My credit is not where i want it to be yet, but it is getting there> A few weeks ago i apped for Barclay Rewards card and got denied online, called for recon in the morning and got approved, same day later in the evening, applied for Barclays Apple Rewards card and got instant approval for double the SL of rewards MC. I have always head from people that it worked better when you apply from 1 creditor for 2 cards on the same day, and with my experience, i can say it did work!

Re: Double Apping

lhcole77 — Tue, 06 Oct 2015 04:30:44 GMT

@Anonymous wrote:

Yep except for BOA being super picky (resorted to a joint app) and being denied for BBR. I started diligently working on my credit here back in May. Everything in my signature after amazon has been added since then. Scores have risen 100 points now. You guys make this pretty fun!

I dont really care much about my scores. Like you, my main concern is getting great value and a bonus! :-) Long term, I just want to be able to pay for property taxes, insurance, etc, and be rewarded for it...aka get a new card twice a year. Just something about inquiries drive me crazy.

Wow! That's incredible. I've gotten 2 approvals with 1 HP for Amex on two separate occasions. Had no idea about all the other possible combining though.

It's good to be rewarded for regular spend.