Citi double pulling

Andypanda · ‎08-26-2019

Not that i plan on apping for a few montgs, but was just wondering. Since I already have a citi card, do they pull 2 diffrent cra’s when I apply for a second card with them?

thanks

Anonymous · ‎08-26-2019

It can depend on your location. Citi always pulls both Equifax + Experian for my applications.

Anonymous · ‎08-27-2019

In my case few weeks ago, Citi Only pulled TU for my Citi AA.

Anonymous · ‎08-27-2019

My belief is the double pulls are not geographic but based on Citi's view of our application and credit bearing. In further considering this thread, @CreditCuriosity made me think that if a double pull related to credit for one and identification for the other geography (like a more recent move) could be a trigger for more identification examination.

In all my years Chase only pulled me double once (had moved) and other times once so it does open the door to being aware of one's credit and potential outside matters. Wonder now, if Chase and others are looking at LexisNexis, Inovis, Chex Systems and so on as part of some of the approvals they make and it triggers more than one pull?

Did not know about all this before coming to this site so I cannot go back and explore this potential theory? Food for thought.

CreditCuriosity · ‎08-27-2019

My experience has always been a double pull like Chase usually one for credit decision and one is for identification purposes.

rgate88 · ‎08-27-2019

I've gotten two Citi cards this year (DC & Simplicity), both were double pull from EQ & EX.

CO Platinum - $500; CO Quicksilver - $2,000; Marcus GM BuyPower - $700; Target MC - $9,000; Chase Amazon Prime - $17,300; PNC Core - $27,000; Citi DoubleCash - $8,300 - AmEx Everyday - $2,500 (was $20,000); Citi Simplicity - $29,500; Chase World of Hyatt - $17,300; PayPal LOC - $10,000; PNC Cash Rewards - $43,500; U.S. Bank Altitude Go - $15,000; AmEx Platinum - NPSL ($7,800 POT); Elan Max Cash (Alliance CU) - $25,000; Alliance CU LOC - $2,000; BMO Harris Cash Back (Was Bank of the West Cash Back) - $3,000; (Closed Block-Fi - $15,000 RIP); Wells Fargo Autograph Visa - $10,000; Chase Freedom Flex - $20,300; Venmo - $15,000; AllTru LOC - $10,000

Business Trade Lines - Chase Ink Cash - $4,000 (original limit $19,600); Chase Ink Preferred - $10,000; AmEx BBP - $5,500; Hilton Honors Business - $9,000; FNBO Evergreen Business - $15,000; Elan Business Visa (Alliance CU) - $20,000; Citi Business AAdvantage Platinum Select - $16,000; Marcus GM Business - $2,500; Kabbage LOC - $10,500; Marriott Bonvoy Business - $14,600; Barclays AAdvantage Aviator WE Business - $7,000; IHG Rewards Premier Business - $5,000; Edward Jones Business (Elan) - $2,000; Barclays Wyndham Earner Business - $7,000; US Bank Triple Cash - $10,000; Chase Ink Unlimited - $6,000

Total CLI - $412,000

wasCB14 · ‎08-27-2019

Jan 2016 AA Platinum Select - EQ only

May 2016 Prestige - EQ + EX

NY state

So even though I was a totally new customer, I only got one HP for my AA card.

Didn't check for SPs, though.

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select