topic Re: What is 2 browser trick? in Credit Cards

What is 2 browser trick?

Anonymous — Sat, 16 Mar 2013 22:29:09 GMT

I am confused about what this is when people say they use this to apply for many cards.

Is it to fill up 2 apps completely first, then click submit at same exact moment, so that each bank doesn't see inquiries from the other bank?

Will this work if I'm applying for 2 cards from same bank? I.E. Amex prg and bcp, or chase freedom and csp.

Has anyone done this and worked? Please tell me about your experience.

Thanks!

Re: What is 2 browser trick?

Anonymous — Sat, 16 Mar 2013 22:39:04 GMT

This doesn't work, and people keep recommending it because they don't understand how computer databases update.

If you hit the submit button on both simultenously, the requests for a credit pull will not hit the CRA at the EXACT same instant in time; one request will make it there first. The requests will be queued and processed one at a time. The database will record the inquiry, locking out the other request until it finishes doing so. Then the database will allow the next request to be processed. There is simply no way to have the two inqs recorded in such a way that the second request doesn't see it the first; computer processing speed is much faster than keystrokes or mouse clicks.

Re: What is 2 browser trick?

shols44 — Sun, 17 Mar 2013 00:15:30 GMT

Here's a post from boarding area. 5 apps resulted in a single inquiry.http://boardingarea.com/blogs/rapidtravelchai/2012/12/12/barclays-credit-cards-101-and-how-many-can-you-get-at-once-4-5-or-more/

Re: What is 2 browser trick?

Revelate — Sun, 17 Mar 2013 00:33:50 GMT

Oh boy, well not to get too technically uber geeky, distributed and remote applications are still bound by the speed of light.

Guess I failed on that one.

Same lender: I would suspect lenders have anti-duplicate application code for a whole lot of good reasons (including legal ones); this may prevent in some instances either two inquiries being lodged, or possibly has some have reported an inquiry being dropped later (note, could be a reporting issue or split file too on this second one).

Different lenders: On the assumption the same bureau is pulled, typically the report will be serially accessed; however, there are some distributed applications using database replication technologies vis a vis Oracle Golden Gate, where in theory they could have the application hosted in multipe datacenters in an Active / Active configuration, and then simply replicate transactions back and forth, and that's not necessarily instanteous nor necessarily serial... it has some interesting application design issues I suspect that I'm wholly unfamiliar with, but it's possible there may be some latency in multiple database requests and they may not be processed in such the same way that the inquiry would be immediately seen everywhere else in the infrastructure.

So it's theoretically possible, but I've never seen CRA data architecture, and assuredly smarter minds than mine have been detailed to figure out ways to prevent this sort of thing from happening; in general, I suspect it's pretty hard to accomplish and really you're getting lucky if it works in your favor. More trouble than it's worth I think, inquiries aren't that big of a deal in the model.

Re: What is 2 browser trick?

Anonymous — Sun, 17 Mar 2013 00:41:05 GMT

@Revelate wrote:
Oh boy, well not to get too technically uber geeky, distributed and remote applications are still bound by the speed of light.

Guess I failed on that one.

Same lender: I would suspect lenders have anti-duplicate application code for a whole lot of good reasons (including legal ones); this may prevent in some instances either two inquiries being lodged, or possibly has some have reported an inquiry being dropped later (note, could be a reporting issue or split file too on this second one).

Different lenders: On the assumption the same bureau is pulled, typically the report will be serially accessed; however, there are some distributed applications using database replication technologies vis a vis Oracle Golden Gate, where in theory they could have the application hosted in multipe datacenters in an Active / Active configuration, and then simply replicate transactions back and forth, and that's not necessarily instanteous nor necessarily serial... it has some interesting application design issues I suspect that I'm wholly unfamiliar with, but it's possible there may be some latency in multiple database requests and they may not be processed in such the same way that the inquiry would be immediately seen everywhere else in the infrastructure.

So it's theoretically possible, but I've never seen CRA data architecture, and assuredly smarter minds than mine have been detailed to figure out ways to prevent this sort of thing from happening; in general, I suspect it's pretty hard to accomplish and really you're getting lucky if it works in your favor. More trouble than it's worth I think, inquiries aren't that big of a deal in the model.

i don't mind the number of inquiries on my report. i have less than 5 in total and after my current applications, i doubt i will be applying anything else for the next 1-2 years, unless some really great sign up bonus for a good card pops up.

what i'm worried about is this:

i will be applying for chase. after i am done with that, i plan to apply for amex bcp/rpg (1 of them). I am worried that amex might see that i have an inquiry just a few minutes ago, and they might decline me because of that (such as system flagging me for being desperate for credit).

in general, is it bad to apply for another card after immediately? will that lower my chances drastically as well?

Re: What is 2 browser trick?

Revelate — Sun, 17 Mar 2013 00:48:41 GMT

@Anonymous wrote:
@Revelate wrote:
Oh boy, well not to get too technically uber geeky, distributed and remote applications are still bound by the speed of light.

Guess I failed on that one.

Same lender: I would suspect lenders have anti-duplicate application code for a whole lot of good reasons (including legal ones); this may prevent in some instances either two inquiries being lodged, or possibly has some have reported an inquiry being dropped later (note, could be a reporting issue or split file too on this second one).

Different lenders: On the assumption the same bureau is pulled, typically the report will be serially accessed; however, there are some distributed applications using database replication technologies vis a vis Oracle Golden Gate, where in theory they could have the application hosted in multipe datacenters in an Active / Active configuration, and then simply replicate transactions back and forth, and that's not necessarily instanteous nor necessarily serial... it has some interesting application design issues I suspect that I'm wholly unfamiliar with, but it's possible there may be some latency in multiple database requests and they may not be processed in such the same way that the inquiry would be immediately seen everywhere else in the infrastructure.

So it's theoretically possible, but I've never seen CRA data architecture, and assuredly smarter minds than mine have been detailed to figure out ways to prevent this sort of thing from happening; in general, I suspect it's pretty hard to accomplish and really you're getting lucky if it works in your favor. More trouble than it's worth I think, inquiries aren't that big of a deal in the model.
i don't mind the number of inquiries on my report. i have less than 5 in total and after my current applications, i doubt i will be applying anything else for the next 1-2 years, unless some really great sign up bonus for a good card pops up.

what i'm worried about is this:
i will be applying for chase. after i am done with that, i plan to apply for amex bcp/rpg (1 of them). I am worried that amex might see that i have an inquiry just a few minutes ago, and they might decline me because of that (such as system flagging me for being desperate for credit).
in general, is it bad to apply for another card after immediately? will that lower my chances drastically as well?

World of difference between two applications (Chase and Amex specifically) and 5 or 10 as in some sprees.

I wouldn't worry about it. Numerous people including yours truly have been approved for Amex / Chase cards in close succession; to be clear, both Amex and Chase land on EX all the time for me, and Chase almost assuredly saw the HP from Amex in my case this last round.

Re: What is 2 browser trick?

Open123 — Sun, 17 Mar 2013 00:54:34 GMT

@Anonymous wrote:
what i'm worried about is this:
i will be applying for chase. after i am done with that, i plan to apply for amex bcp/rpg (1 of them). I am worried that amex might see that i have an inquiry just a few minutes ago, and they might decline me because of that (such as system flagging me for being desperate for credit).
in general, is it bad to apply for another card after immediately? will that lower my chances drastically as well?

No problems with this for Amex.

It's only an issue when it's 5 or 6 apps, and all at once.

Re: What is 2 browser trick?

scenery_guy — Sun, 17 Mar 2013 00:54:43 GMT

It's not two windows, it's two BROWSERS. Firefox and whatever else. But don't bother, you don't need to resort to tricks (and those loopholes are being closed quickly BTW). As I posted in another thread it's the order you app that matters. Always do the easiest for recon LAST and the hardest for recon FIRST. GIve it 5 -10 minutes between apps or hours. It does not matter. Everyone after first app will see the HP.

Re: What is 2 browser trick?

Open123 — Sun, 17 Mar 2013 01:03:31 GMT

Main purpose for this wasn't really to limit the inquiries, but to receive 2 of the Citi AA sign up bonuses. When they were running the 100K AA bonuses, applying for one and then the other (Visa and Amex versions) would exclude you from the 2nd bonus.

However, applied simultaneously with 2 different browsers would result in two instant approvals with Citi computers coding both with the 100K bonus resulting in 200K AA miles.

Back then, worked like a charm!

Re: What is 2 browser trick?

Anonymous — Sun, 17 Mar 2013 01:23:30 GMT

ah i see. thanks a lot everyone!

Re: What is 2 browser trick?

Anonymous — Sun, 17 Mar 2013 02:12:10 GMT

@Revelate wrote:
Oh boy, well not to get too technically uber geeky, distributed and remote applications are still bound by the speed of light.

Guess I failed on that one.

Same lender: I would suspect lenders have anti-duplicate application code for a whole lot of good reasons (including legal ones); this may prevent in some instances either two inquiries being lodged, or possibly has some have reported an inquiry being dropped later (note, could be a reporting issue or split file too on this second one).

Different lenders: On the assumption the same bureau is pulled, typically the report will be serially accessed; however, there are some distributed applications using database replication technologies vis a vis Oracle Golden Gate, where in theory they could have the application hosted in multipe datacenters in an Active / Active configuration, and then simply replicate transactions back and forth, and that's not necessarily instanteous nor necessarily serial... it has some interesting application design issues I suspect that I'm wholly unfamiliar with, but it's possible there may be some latency in multiple database requests and they may not be processed in such the same way that the inquiry would be immediately seen everywhere else in the infrastructure.

So it's theoretically possible, but I've never seen CRA data architecture, and assuredly smarter minds than mine have been detailed to figure out ways to prevent this sort of thing from happening; in general, I suspect it's pretty hard to accomplish and really you're getting lucky if it works in your favor. More trouble than it's worth I think, inquiries aren't that big of a deal in the model.

Yes, but distruted database systems take concurrency into account. This is necessary, of course, to preserve data integrity by preventing database updates performed by one user from intefering with the retrievals and updates performed by another. This is crucial for many applications, including but not limited to financial transactions, inventory control, airline/hotel reservation systems, etc. I don't know what platforms the CRAs run under, nor their database architectures, but I would have to believe that they would take this issue into account.

ETA: My original post was simplified for the non-geek. But to be a bit more specific, if done properly, a credit pull should be handled as an atomic transaction, whereby the entire request -- pulling the info, sending it back to the requestor, recording the inq -- should all be handled as a complete transaction before allowing another request to proceed; or erroring out and not performing any of the request. Once again, this is necessary in this type of a system to preserve integrity. This being the case, I would tend to discount the idea of the two browser trick.

Re: What is 2 browser trick?

youngandcreditwrthy — Mon, 18 Mar 2013 18:17:09 GMT

I wanna try this on my next app spree!

Re: What is 2 browser trick?

Anonymous — Mon, 18 Mar 2013 18:30:21 GMT

@Anonymous wrote:
@Revelate wrote:
Oh boy, well not to get too technically uber geeky, distributed and remote applications are still bound by the speed of light.

Guess I failed on that one.

Same lender: I would suspect lenders have anti-duplicate application code for a whole lot of good reasons (including legal ones); this may prevent in some instances either two inquiries being lodged, or possibly has some have reported an inquiry being dropped later (note, could be a reporting issue or split file too on this second one).

Different lenders: On the assumption the same bureau is pulled, typically the report will be serially accessed; however, there are some distributed applications using database replication technologies vis a vis Oracle Golden Gate, where in theory they could have the application hosted in multipe datacenters in an Active / Active configuration, and then simply replicate transactions back and forth, and that's not necessarily instanteous nor necessarily serial... it has some interesting application design issues I suspect that I'm wholly unfamiliar with, but it's possible there may be some latency in multiple database requests and they may not be processed in such the same way that the inquiry would be immediately seen everywhere else in the infrastructure.

So it's theoretically possible, but I've never seen CRA data architecture, and assuredly smarter minds than mine have been detailed to figure out ways to prevent this sort of thing from happening; in general, I suspect it's pretty hard to accomplish and really you're getting lucky if it works in your favor. More trouble than it's worth I think, inquiries aren't that big of a deal in the model.
Yes, but distruted database systems take concurrency into account. This is necessary, of course, to preserve data integrity by preventing database updates performed by one user from intefering with the retrievals and updates performed by another. This is crucial for many applications, including but not limited to financial transactions, inventory control, airline/hotel reservation systems, etc. I don't know what platforms the CRAs run under, nor their database architectures, but I would have to believe that they would take this issue into account.

ETA: My original post was simplified for the non-geek. But to be a bit more specific, if done properly, a credit pull should be handled as an atomic transaction, whereby the entire request -- pulling the info, sending it back to the requestor, recording the inq -- should all be handled as a complete transaction before allowing another request to proceed; or erroring out and not performing any of the request. Once again, this is necessary in this type of a system to preserve integrity. This being the case, I would tend to discount the idea of the two browser trick.

Tin...this hurt my brain and I am a pilot!!

I am with youngandcreditworthy, i just wanna try it anyway. lol

Re: What is 2 browser trick?

09Lexie — Mon, 18 Mar 2013 18:34:05 GMT

@ Pilotdude

I read it 2x and my head hurts from thinking about doing this now!

Re: What is 2 browser trick?

youngandcreditwrthy — Mon, 18 Mar 2013 18:47:13 GMT

My head hurts too...

Gah, we're all a little nerdy here. Haha I'm an Econ nerd :-/ lol

Re: What is 2 browser trick?

Anonymous — Mon, 18 Mar 2013 19:37:14 GMT

@Revelate wrote:
<snip>

Different lenders: On the assumption the same bureau is pulled, typically the report will be serially accessed; however, there are some distributed applications using database replication technologies vis a vis Oracle Golden Gate, where in theory they could have the application hosted in multipe datacenters in an Active / Active configuration, and then simply replicate transactions back and forth, and that's not necessarily instanteous nor necessarily serial... it has some interesting application design issues I suspect that I'm wholly unfamiliar with, but it's possible there may be some latency in multiple database requests and they may not be processed in such the same way that the inquiry would be immediately seen everywhere else in the infrastructure.

<snip>

You piqued my interest regarding Oracle Golden Gate, so I decided to take a look at some of the specs. Yes, it does replicate transactions across multiple servers and/or data centers, which would necessarily involve a certain amount of latency. The following link describes the modules responsible for maintaining data integrity. Since the capture module looks for transactional activity, and updates the replicated databases as these soon as these activites are detected, the most recent update would be used for any further queries. And since these are handled as transactions, which are atomic in nature ("The Capture module only moves committed transactions — filtering out intermediate activities and rolled-back operations — which not only reduces infrastructure load but also eliminates potential data inconsistencies"), I am hard pressed to see how a query would return a result that does not contain the latest, updated data -- including the inquiry.

http://www.oracle.com/us/products/middleware/data-integration/goldengate11g-ds-168062.pdf

Of course we still don't know what database platform the DBAs are using, although I would tend to believe that it may well be something enterprise level, such as Oracle. But it still seems to me that they have indeed addressed the concurrency issues.

As for the rest of the folks in this thread who want to give it a shot -- by all means, and feel free to report back. I always like to hear the results of an experiement.

Re: What is 2 browser trick?

Open123 — Mon, 18 Mar 2013 21:40:24 GMT

Clearly, Rev and Tinuviel are much smarter than I am.

I'm just proud to have 3 browsers!

Re: What is 2 browser trick?

09Lexie — Mon, 18 Mar 2013 21:43:29 GMT

I'm still stuck at 'Oracle and Golden Gate'!

Re: What is 2 browser trick?

Anonymous — Mon, 18 Mar 2013 21:44:15 GMT

@Open123 wrote:
Clearly, Rev and Tinuviel are much smarter than I am.

I'm just proud to have 3 browsers!

I know right!! I can fly an airplane from any airport on the planet to any other airport on the planet solely by referencing the instruments so long as there is a publish Instrument Approach for the destination...but F me if I can figure out what they are talking about. lol

Re: What is 2 browser trick?

Anonymous — Mon, 18 Mar 2013 22:22:21 GMT

@Anonymous wrote:
@Open123 wrote:
Clearly, Rev and Tinuviel are much smarter than I am.

I'm just proud to have 3 browsers!
I know right!! I can fly an airplane from any airport on the planet to any other airport on the planet solely by referencing the instruments so long as there is a publish Instrument Approach for the destination...but F me if I can figure out what they are talking about. lol

This isn't about being smart; it's about being familiar with a particular area and speaking the lingo associated with it. You can fly an airplane; I can't, because I never learned. If someone were to hand me a pair of scissors, I'd be at a loss as to where to start with giving someone a decent haircut; my hairstylist dives right in and it looks effortless on her part. My experience is with computer programming and databases, so this is familiar territory for me, and I believe that Rev works in an IT capacity as well -- hence the geek speak.