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Combining Same Day Credit Inquiries: Who Does and Who Does Not?

- Aug 8, 2020 Credit Card Info0 comments

Every time you apply for a credit card, the credit card issuer will make a hard credit inquiry and pull your credit report. Credit inquiries can affect your credit score for up to 12 months and stay on your credit report for up to 24 months.

But if you apply for more than one credit card from the same credit card issuer within the same day, the credit inquiries will sometimes be combined. Some suggest that the credit bureaus combine them (as duplicate inquiries), but some claim that it is the credit card issuer that only pulls your credit report once per day, as every inquiry costs them money. In either case, here in this post, I will share some data points on when credit inquiries are combined.

American Express

Amex credit inquiries will be combined for the same-day applications, as long as they are both approved for on the same day.

Please note: For some existing Amex credit cardholders, Amex will not do a hard credit pull when applying for a new credit card at any time.

Bank of America

Applications for all Personal BOA cards within the same day will be combined; also, applications for all BOA Business cards within the same day will be combined.

Barclays

Many data points suggest that Barclay’s inquiries which are done the same day will be combined.

Please note, it is difficult to get approved for more than one Barclays credit card within six months.

Chase

The data points are mixed. Some data points suggest that applications for all Personal Chase cards within the same day will result in only one credit inquiry. Also, applications for all Chase Business cards with in the same day will result in only one credit inquiry. But, applications for Personal and Business cards will not be combined.

There are data points that suggest that Chase credit inquiries are not combining even for two Personal or two Business cards done the same day.

Citi

Applications for all Personal Citi credit cards will be combined; also, applications for all Citi Business cards will be combined. Personal and business cards will not be combined.

Please note: You cannot get approved for more than one Citi personal card within eight days (Combining credit inquiries will only make a difference when declined for your first try and you want to try a new one…)

Capital One

Update: Inquiries are not combined on Transunion

Capital One credit inquiries will be combined. But Capital One will only approve you for one credit card application within every six months.  (Combining credit inquiries will only make a difference when declined for your first try and you want to try a new one…..)

Discover

Two Discover card application in one day will result in only one credit inquiry. Be aware though, that discover will not approve you for more than one credit card within every 12 months (Combining credit inquiries will only make a difference when declined for your first try and you want to try a new one)

US Bank

Inquiries will not combine at all.

Wells Fargo

There are some data points that Wells Fargo applications combine, but some suggest that they don’t.

Please note: The information found in this post is collected from data points found on the internet. I cannot guarantee that your results will be the same.

Frequently asked questions
What does 2BM mean?
2BM stands for 2 browser method. It used to be possible to apply for multiple cards at the same time on different browsers and avoid the banks from seeing each other’s credit inquiries. 2BM is dead as inquiries currently post by the micro split second.

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Sam Sam has nearly a decade's worth of experience educating his many readers on everything credit. Sam spends his days checking out credit cards for a full report, from the minute benefit details to the shebang of welcome bonuses. Plus studying the ins and outs of building proper credit. It’s his favorite pastime and he loves sharing it with others.

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