Would multiple credit unions hard pulls get consolidated?

[jonsnow3130]

Guys,

I am thinking of opening new credit cards with three different credit unions since my banks did not give more CLI, around 65K for 8 cards. I heard most credit unions do 2 hard pulls for membership and credit card application. My question is "do they get consolidated as one hard pull like auto loans"?

Thanks

[Anonymous]

I think that it would be credit union-specific here, so I'd recommend calling and asking before joining/apping.  I would think that if their policy is to HP upon joining, they would HP again for a CC app since it's an additional request for credit.  It wouldn't be unheard of though to have them use the same pull, but two pulls would be indeed seen as 2 separate pulls and not lumped together.

[jonsnow3130]

Thanks for the info

[JVille]

If these are pulled by different CU for the purpose of obtaining CC then each hard pull will count. Only in Mortgage Shopping are HP consolidated during the brief shopping period.

[RobertEG]

The treatment of multiple inquiries as only one for FICO scoring purposes (referred to as "de-duping") applies only to mortgage, auto, or student loan inquiries.  It does not apply to other inquiries to secure other types of credit.

[jonsnow3130]

Got it. Thanks