topic Re: Multi browser window apping... in Credit Cards

Multi browser window apping...

Anonymous — Sat, 02 Mar 2013 16:56:20 GMT

I have three maybe four cards I am considering apping for as soon as my statements all report to the bureaus. Disccover IT, Chase Freedom and Amex Prem Gold, followed by BCP if Amex prem gold is an instant approval.

Is it better to try a multi browser window setup or no?

By multi browser window, I mean two computers with the apps up and filled out in separate windows so I can hit submit as close to simultaneously as possible.

Or is this sorta unethical?

Re: Multi browser window apping...

BrokaToe — Sat, 02 Mar 2013 17:02:52 GMT

I wouldn't call it unethical. It would really only make a difference if who you were applying for pull the same Credit bureau. Otherwise it wouldn't matter. Like if you wanted to app for Amex and Chase at the same time or something. If you're not sure who they pull and you can't find the information, then it couldn't hurt just in case.

In my book, it's just simply using technology to your advantage

Re: Multi browser window apping...

Anonymous — Sat, 02 Mar 2013 17:07:29 GMT

This method doesn't work with Chase. I tried with their Business Ink apps (applied for both the Ink Bold and Ink Cash Plus) and Chase pulled 2 hard inquires on Experian, 1 hard inquiry on Transunion, and one hard on Equifax total.

Not sure about AMEX though.

Re: Multi browser window apping...

jeffery581 — Sat, 02 Mar 2013 17:19:06 GMT

IMHO. Inquiries will still show up. You can't fool the computers.

Re: Multi browser window apping...

Open123 — Sat, 02 Mar 2013 17:19:57 GMT

@Anonymous wrote:
I have three maybe four cards I am considering apping for as soon as my statements all report to the bureaus. Disccover IT, Chase Freedom and Amex Prem Gold, followed by BCP if Amex prem gold is an instant approval.

Is it better to try a multi browser window setup or no?
By multi browser window, I mean two computers with the apps up and filled out in separate windows so I can hit submit as close to simultaneously as possible.

Or is this sorta unethical?

When it comes to financial matters, I really don't see it as either unethical or ethical.

Issuers are free to run their business with whatever strategies they deem fitting, and we as consumers can act as we deem fitting. If they miscalculate or fail to see shortcoming of their strategy, we as consumers should expose and take advantage of their miscalculation. They sure as heck do it to us enough.

The two browser method no longer works for Citi, Amex, or Chase. They have adjusted their system where a "second" application will automatically be delayed for 10 days before approval to ensure a 2nd hard pull.

Re: Multi browser window apping...

Anonymous — Sat, 02 Mar 2013 17:25:26 GMT

Okay so I am over thinking it then. Figures.

Lets see how OCD I am:

1. I have a sheet of paper with the confirmed (yes I called to confirm) reconsideration numbers.

2. I have the location of each approval department geographical office so I won't call app during lunch or after hours

3. I will have printed copies of all three bureau reports on hand.

4. I updated my laptop just to make sure its OS is ready.

5. I will have three shot glasses of scotch (single malt goood stuff) on hand for medicinal purposes in the event of a denial.

6. I will have three shot glasses of scotch (single malt good stuff) on hand for medicinal purposes in case of approval.

You get the picture here, right? lol

Re: Multi browser window apping...

Open123 — Sat, 02 Mar 2013 17:28:11 GMT

@Anonymous wrote:

5. I will have three shot glasses of scotch (single malt goood stuff) on hand for medicinal purposes in the event of a denial.
6. I will have three shot glasses of scotch (single malt good stuff) on hand for medicinal purposes in case of approval.

You get the picture here, right? lol

All this would do is drive me to keep app'ing until denials start to pile up!

Is it too early for a 16 yr old Lagavulin?

Re: Multi browser window apping...

Anonymous — Sat, 02 Mar 2013 17:30:06 GMT

@Open123 wrote:
@Anonymous wrote:
5. I will have three shot glasses of scotch (single malt goood stuff) on hand for medicinal purposes in the event of a denial.
6. I will have three shot glasses of scotch (single malt good stuff) on hand for medicinal purposes in case of approval.

You get the picture here, right? lol
All this would do is drive me to keep app'ing until denials start to pile up!

Is it too early for a 16 yr old Lagavulin?

It is NEVER too early for Lagavulin 16 yr!!

Re: Multi browser window apping...

Open123 — Sat, 02 Mar 2013 17:33:20 GMT

@Anonymous wrote:
@Open123 wrote:
@Anonymous wrote:
5. I will have three shot glasses of scotch (single malt goood stuff) on hand for medicinal purposes in the event of a denial.
6. I will have three shot glasses of scotch (single malt good stuff) on hand for medicinal purposes in case of approval.

You get the picture here, right? lol
All this would do is drive me to keep app'ing until denials start to pile up!

Is it too early for a 16 yr old Lagavulin?
It is NEVER too early for Lagavulin 16 yr!!

Agreed! Nothing quite like good peaty whisky before leaving a cold winter morning.

Re: Multi browser window apping...

L0RDAVENTAD0R — Sat, 02 Mar 2013 22:16:12 GMT

@jeffery581 wrote:
IMHO. Inquiries will still show up. You can't fool the computers.

Yes the inquiries would still shownupnregardless but would apping like this have them HP at near the same time? For inquiry sensitive credit cards companies.

Re: Multi browser window apping...

thom02099 — Sun, 03 Mar 2013 01:24:57 GMT

@Anonymous wrote:
Okay so I am over thinking it then. Figures.

Lets see how OCD I am:

1. I have a sheet of paper with the confirmed (yes I called to confirm) reconsideration numbers.
2. I have the location of each approval department geographical office so I won't call app during lunch or after hours
3. I will have printed copies of all three bureau reports on hand.
4. I updated my laptop just to make sure its OS is ready.
5. I will have three shot glasses of scotch (single malt goood stuff) on hand for medicinal purposes in the event of a denial.
6. I will have three shot glasses of scotch (single malt good stuff) on hand for medicinal purposes in case of approval.

You get the picture here, right? lol

<---------------------Looks up "OCD" in the good ole' Websters....sees picture of PilotDude ! ! !

I'd say you've set the bar to a level that others will have trouble attaining !

Re: Multi browser window apping...

Anonymous — Sun, 03 Mar 2013 02:13:56 GMT

lol. I really need to get those pics updated.

Great..... Now I have to find the PERFECT picture.

Phere goes the OCD again.