How to avoid second Citi pull

[Anonymous]

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@Anonymous wrote:

From a logical perspective,  how much can a CR change in less than a month. Most updates to CRs change monthly,  outside of some major change (BK, 30 days late). Of course they want to make sure the app isn't coming because of one of those that just popped up, but they ought to factor in,  if they don't already, the app is pursued from an offer they made, especially if they ask for an offer code with the app.

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Perhaps one concern is "If this person is applying for a second with us, so soon, perhaps he/she has also applied for several other cards with other institutions in the same time period" and so check for that, at least on one CRA, by doing another pull.   

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

From a logical perspective,  how much can a CR change in less than a month. Most updates to CRs change monthly,  outside of some major change (BK, 30 days late). Of course they want to make sure the app isn't coming because of one of those that just popped up, but they ought to factor in,  if they don't already, the app is pursued from an offer they made, especially if they ask for an offer code with the app.

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Perhaps one concern is "If this person is applying for a second with us, so soon, perhaps he/she has also applied for several other cards with other institutions in the same time period" and so check for that, at least on one CRA, by doing another pull.   

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Exactly. Because they are so close together, they might want to see if something else is going on. And maybe because the cardholder is responding to an offer, some of that concern is tempered.  It wasn't very common at all 15 years ago to apply for multiple cards from the same issuer close together. It's a little different now with trifectas and complementary cards with a main card these days.

Depending on my estimate of how many points I'd lose for applying, I'd probably go for it.

[K-in-Boston]

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@Anonymous wrote:

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@Anonymous wrote:

From a logical perspective,  how much can a CR change in less than a month. Most updates to CRs change monthly,  outside of some major change (BK, 30 days late). Of course they want to make sure the app isn't coming because of one of those that just popped up, but they ought to factor in,  if they don't already, the app is pursued from an offer they made, especially if they ask for an offer code with the app.

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Perhaps one concern is "If this person is applying for a second with us, so soon, perhaps he/she has also applied for several other cards with other institutions in the same time period" and so check for that, at least on one CRA, by doing another pull.   

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It's also that institution notifying others that you have applied for credit, which should be the point of a hard pull anyway even though some lenders will reuse a pull or not do a HP at all in some cases.

[Anonymous]

^^^^Exactly this. If they wanna know whats going on, they could SP. It's to leave their mark for other FIs.

[Anonymous]

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@Anonymous wrote:
^^^^Exactly this. If they wanna know whats going on, they could SP. It's to leave their mark for other FIs.

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True. But from their perspective, they have a recent report that's not too stale, and they have to pay for those pulls. It would be like checking the weather report for this weekend 2 hours later than the previous time. Except they have to pay for the report. 

[Anonymous]

so is a HP cheaper than a SP?

[Anonymous]

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@Anonymous wrote:
so is a HP cheaper than a SP?

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It would make sense that it would not be, but I do not know. Usually, getting more means paying more.

[Anonymous]

They get the same info either way, only difference is an HP leaves a mark.

[Anonymous]

Point is, if they just wanna be OCD and check the weather again, they could SP.