There is a lot 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 your 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 with in 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 bureas 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 bureau by choosing the right banks.

Here is a list of which credit bureau each credit card issuer usually pulls.

American Express

American Express will usually pull your Experian credit report.

For existing Amex cardholders, Amex sometimes does not pull your credit for new credit card applications, YMMV.

Avianca

Avianca will usually pull your Equifax credit report.

Barclays

Barclays will usually pull your Transunion credit report.

Bank of America

Bank of America will usually pull your Experian credit report.

If you freeze your Experian account you can request the reconsideration department to pull your TransUnion credit report.

Capital One

Capital One will usually pull your Experian, Transunion, and Equifax credit reports.

If you freeze one credit bureau you can still get approved.

Chase

Chase will usually pull your Experian credit report.

Citi

Citi will usually pull your Experian credit report, sometimes Equifax

If you freeze your Experian credit report you can sometimes request the reconsideration department to pull your Equifax credit report.

Citizens

Citizens will usually pull your Transunion credit report.

Discover

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.

Fidelity Elan Financial

Elan Financial will usually pull your Experian credit report.

HSBC

HSBC will usually pull your Equifax credit report.

Key Bank

Key Bank will usually pull your Equifax credit report.

Synchrony

Synchrony Bank will usually pull your Transunion credit report.

TD

TD will usually pull your Experian credit report.

US Bank

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.

Wells Fargo

Wells Fargo will usually pull your Experian credit report.

Applied for a new card? Please submit in the comments which credit bureau was pulled, plus the name of the bank, so we can keep this list as updated as possible.