Updated: 05/09/22

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.

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American Express

American 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

Avianca will usually pull your TransUnion credit report.

See more data in our Credit Card Database

Apple Card - Goldman Sachs

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

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

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

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

Chase will usually pull your Experian credit report.

See real-time data in our Credit Card Database

Citi

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

Citizens will usually pull your Equifax credit report.

See real-time data in our Credit Card Database

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.

See real-time data in our Credit Card Database

Fidelity Elan Financial

Fidelity – Elan Financial will usually pull your Experian credit report.

See real-time data in our Credit Card Database

HSBC

HSBC will usually pull your Equifax credit report.

See real-time data in our Credit Card Database

Key Bank

Key Bank will usually pull your Equifax credit report.

See real-time data in our Credit Card Database

M&T bank

M&T will usually pull your Experian credit report.

See real-time data in our Credit Card Database

Synchrony

Synchrony Bank will usually pull your Transunion credit report.

See real-time data in our Credit Card Database

TD Bank

TD will usually pull your Experian credit report.

See real-time data in our Credit Card Database

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.

See real-time data in our Credit Card Database

Wells Fargo

Wells Fargo will usually pull your Experian credit report (in some states they pull Experian and Equifax).

See real-time data in our Credit Card Database