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Double Dip When Car Shopping?

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ryder32244
New Contributor

Double Dip When Car Shopping?

Im motorcycle shopping right now and I had to put in a few applications to get the best rate. I know they will lump as one inquiry, but I was wondering if apply for credit cards at the banks that use the same credit pull, am I saving a credit pull? 

 

Meaning, if I apply at Penfed, Vystar, DCU, etc for the auto loan, since they use the same report for x number of days if you apply for another product, can I just ask for a card and it still be lumped in to my car inquires because thats what I orginally applied for?

 

Apologies if I am not clear, english is not in my top 3 languages Smiley Happy

Message 1 of 3
2 REPLIES 2
Anonymous
Not applicable

Re: Double Dip When Car Shopping?

Could apply for the auto loans and ask them if they'll be able to use the same pull for CCs. Probably will be manually reviewed

Message 2 of 3
Anonymous
Not applicable

Re: Double Dip When Car Shopping?

I don't think this would work.  They should be different HPs since they are different applications for credit.  I wouldn't count on them using the same one, especially since they are very different products.  They are also quite likely to use different scoring models for different product types.

Message 3 of 3
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