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.
In this post, I will share some data points on when credit inquiries are combined.
American Express
Amex credit inquiries will be combined for 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
Credit inquiries for all personal and business BOA cards within 30 days will be combined.
Barclays
Many data points suggest that Barclay’s inquiries will be combined for same-day applications.
Chase
Credit inquiries for all personal Chase cards within the same day will result in only one credit inquiry.
Also, applications for all Chase business cards within the same day will result in only one credit inquiry.
But, applications for mixed personal and business cards will not be combined.
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
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 applications 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 usually get combined for same-day applications, but not always.
Wells Fargo
There are some data points that Wells Fargo applications get combined, but some suggest that they don’t.
Please note: The information found in this post is from data points I collected. I cannot guarantee that your results will be the same. Feel free to leave a comment if you had a different experience from anything mentioned in this post.
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Would Bank of America combined personal and business credit card applications on the same day / month? Thanks!
Yes
wrong.
my own experience was that i got 2 inquiries [personal was on experian and business was on transunion] both were applied for on same day.
How is wells Fargo combining?
Do they approve 2 applications same day?