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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 ![]()













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
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.