There are lots of reasons why people may want to submit several credit card applications at the same time (getting multiple welcome bonuses at the same time, getting more money on 0% APR, and more). When a credit card issuer sees too many recent credit inquiries on your credit report then they may decline your credit card application due to too many recent inquiries. If you’re planning to apply for several credit cards at the same time you need to do it smartly so you don’t get declined due to the new credit inquiries.
Years ago, it was possible to apply for multiple credit cards by submitting the applications within the same second using different browsers. This used to help avoid the banks from seeing each other’s credit inquiries. This trick is now dead. The credit bureaus update files within the microsecond and it is impossible for you to act faster and submit a second application before the first credit inquiry shows up.
Thankfully most credit card issuers only pull one of your three credit reports. So you can apply for multiple credit cards by making sure you split up the credit inquiries between the three credit bureaus by choosing the right banks.
Here’s a list of which credit bureau each credit card issuer usually pulls. Alternatively, you can check out our credit card database where users report real-time information on which credit bureau was pulled on their recent applications.
Change the credit bureau the bank pulls
Col trick on how you can trick the bank to pull a different credit bureau
Watch NowAmerican Express will usually pull your Experian credit report.
New! For existing Amex cardholders, Amex does not pull your credit for new credit card applications.
See more data in our Credit Card Database
Avianca will usually pull your TransUnion credit report.
See more data in our Credit Card Database
Apple card -Goldman Sachs Bank will usually pull your Transunion credit report. They will first only do a soft pull to check if you qualify. And if you qualify and accept the offer, only then will they do a hard pull.
Some have had success of avoiding the hard pull by freezing Transunion after the preapproval but before the final decision).
See real-time data in our Credit Card Database
Barclays will usually pull your Transunion credit report.
If you freeze your Transunion report then Barclays will pull your Experian credit report.
See real-time data in our Credit Card Database
Bank of America will usually pull your Experian credit report.
If you freeze your Experian report you can request the reconsideration department to pull your TransUnion credit report.
See real-time data in our Credit Card Database
Capital One will usually pull your Experian, Transunion, and Equifax credit reports.
If you freeze one credit bureau you can still get approved (the credit bureau you freeze cannot be Transunion).
See real-time data in our Credit Card Database
Chase will usually pull your Experian credit report.
See real-time data in our Credit Card Database
Citi will usually pull your Experian credit report, sometimes Equifax, and sometimes Experian and Equifax (depending on your state, search your state in our credit card database)
If you freeze your Experian credit report you can sometimes request the reconsideration department to pull your Equifax credit report.
See real-time data in our Credit Card Database
Citizens will usually pull your Equifax credit report.
See real-time data in our Credit Card Database
Discover will usually pull your Experian credit report, sometimes Equifax.
If you freeze your Experian credit report then Discover will be glad to pull from either TransUnion or Equifax.
See real-time data in our Credit Card Database
Fidelity – Elan Financial will usually pull your Experian credit report.
See real-time data in our Credit Card Database
HSBC will usually pull your Equifax credit report.
See real-time data in our Credit Card Database
Key Bank will usually pull your Equifax credit report.
See real-time data in our Credit Card Database
M&T will usually pull your Experian credit report.
See real-time data in our Credit Card Database
Synchrony Bank will usually pull your Transunion credit report.
See real-time data in our Credit Card Database
TD will usually pull your Experian credit report.
See real-time data in our Credit Card Database
US Bank will usually pull your Experian credit report.
If you frequently apply for credit cards, first freeze your IDA/ARS bureaus before applying for a US Bank credit card.
See real-time data in our Credit Card Database
Wells Fargo will usually pull your Experian credit report (in some states they pull Experian and Equifax).