How to avoid second Citi pull

[kayvee_]

I just got approved for Citi Costco card on Nov 1st and I just got an offer in the mail for the DoubleCash 0% BT 18 mos. i would like to get this card but avoid a second pull, does Citi have a backdoor # i could call to see if they can approve me without another hardpull?

[Remedios]

Sorry but another application will result in another HP. There is no way around it.

[Remedios]

The only way to avoid second HP would be not to apply.

[coldfusion]

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@Remedios wrote:
The only way to avoid second HP would be not to apply.

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Not every successful applicant has 2 x HP which begs the question as to whether or not there is enough data with sufficient fidelity to be able to accurately correlate the criteria and/or threshold that triggers a Citi double-tap vs. only pulling from a single CRA.

[AverageJoesCredit]

I think super strong profiles often can get single pulls though thats just a hunch. I always get double tapped

[pinkandgrey]

With the exception of some credit unions and sometimes Amex, usually each app will result in its own HP. There are exceptions, but in this case, I wouldn't expect Citi to allow it. 

Congrats, though!

[FinStar]

OP, if Citi decides to HP again on your 2nd CC, there really isn't much of a way to prevent that, even trying the backdoor number approach. It's all system-driven regardless whether you speak to an agent and they say "oh sure, we won't pull another CR with this app".

If you are really interested in another card, just pull the trigger. No risk, no reward. If you are fortunate, you may escape with a single HP, but temper your expectations and expect another HP.

[Remedios]

@coldfusion  OP wants to know how to avoid HP for a different application. 

It's not about criteria for single vs double pull, it's about two separate and distinct applications,  performed at different points in time. 

[kayvee_]

Thanks all, will garden for a bit maybe I get some more offers down the line.

[Anonymous]

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.