Citi two apps same day

red259 · ‎08-14-2015

with citi if I app for a personal and business card in same day will it be two HPs?

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Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019

Anonymous · ‎08-14-2015

@red259 wrote:
with citi if I app for a personal and business card in same day will it be two HPs?

I am about 99% sure it is.

red259 · ‎08-14-2015

@Anonymous wrote:
@red259 wrote:
with citi if I app for a personal and business card in same day will it be two HPs?
I am about 99% sure it is.

I got an interesting answer to this question which said that it's not the lender who merges inqs it's the credit bureau and they only do so when they are not sure if it's two inqs or just a duplicate inq with citi different cards appear differently when they pull so the credit bureaus know it's two inqs.

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019

Imperfectfuture · ‎08-15-2015

@red259 wrote:
@Anonymous wrote:
@red259 wrote:
with citi if I app for a personal and business card in same day will it be two HPs?
I am about 99% sure it is.
I got an interesting answer to this question which said that it's not the lender who merges inqs it's the credit bureau and they only do so when they are not sure if it's two inqs or just a duplicate inq with citi different cards appear differently when they pull so the credit bureaus know it's two inqs.

Interesting, but inaccurate. CSRs will say anything for an app, or cli request.

Signature needs updating

red259 · ‎08-15-2015

@Imperfectfuture wrote:
@red259 wrote:
@Anonymous wrote:
@red259 wrote:
with citi if I app for a personal and business card in same day will it be two HPs?
I am about 99% sure it is.
I got an interesting answer to this question which said that it's not the lender who merges inqs it's the credit bureau and they only do so when they are not sure if it's two inqs or just a duplicate inq with citi different cards appear differently when they pull so the credit bureaus know it's two inqs.
Interesting, but inaccurate. CSRs will say anything for an app, or cli request.

Wasn't CSR was on another forum someone offered a detailed explanation and was quite adamant about it. If this is not the correct answer what is and what is the source of the correct information?

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019

CreditCuriosity · ‎08-15-2015

doesn't make sense to be honest why a CRA would want to merge as they want the money from each HP. Unless they charge the creditor regardless and save money on their side and don't re-run it.

red259 · ‎08-15-2015

@CreditCuriousity wrote:
doesn't make sense to be honest why a CRA would want to merge as they want the money from each HP. Unless they charge the creditor regardless and save money on their side and don't re-run it.

No, I think the argument was that if two apps came in in close proximity and the CRA could not tell if it was two different Inqs and thought it was just a duplicate inquiry that they treat it as one. The idea is the CRA in that situation isn't sure if its just a glitch with someone refreshing their screen or whatever or if it was actually two seperate inquiries.

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019

taxi818 · ‎08-15-2015

@Imperfectfuture wrote:
@red259 wrote:
@Anonymous wrote:
@red259 wrote:
with citi if I app for a personal and business card in same day will it be two HPs?
I am about 99% sure it is.
I got an interesting answer to this question which said that it's not the lender who merges inqs it's the credit bureau and they only do so when they are not sure if it's two inqs or just a duplicate inq with citi different cards appear differently when they pull so the credit bureaus know it's two inqs.
Interesting, but inaccurate. CSRs will say anything for an app, or cli request.

You are probably right. I got 3 hps in 24 hours with citi. new app. DC. Cli, Best Buy, Cli, Home Depot. Sad to say the least.

FinStar · ‎08-15-2015

@red259 wrote:
@CreditCuriousity wrote:
doesn't make sense to be honest why a CRA would want to merge as they want the money from each HP. Unless they charge the creditor regardless and save money on their side and don't re-run it.
No, I think the argument was that if two apps came in in close proximity and the CRA could not tell if it was two different Inqs and thought it was just a duplicate inquiry that they treat it as one. The idea is the CRA in that situation isn't sure if its just a glitch with someone refreshing their screen or whatever or if it was actually two seperate inquiries.

The CRA would treat them separately, unlike auto-financing or mortgage applications (depending on how they are coded by the lender). So, if you accidentally (or attempt to circumvent the system) apply 2x with the same lender, two hits will be recorded. The CRAs would count them separately (even if it was done within minutes of each other).

lhcole77 · ‎08-15-2015

FWIW my Citi HPs show up as different names, all from citi, but variations of Citibank, CBNA, etc.

But they don't shy away from pulling and double pulling my report for EACH app, granted I've never done two on same day.