Updated: 03/16/21
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.
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.
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
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
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Amex, will usually pull by personal cards, rarely they do a soft pull.
Barclay can pull Equifax as well when it is pending.
Bank of America will only pull trans union lf Experian is frozen, never equifax.
Chase, sometimes though rarely pull trans union usually only by bzns card.
Citi pulls in the city both equifax and Experian sometimes if you freeze Experian they will let through with only equifax, upstate is equifax only most of time YMMV.
Discover, when Experian is frozen They will gladly Paul either or transunion or equifax .
HSBC won’t let through app if Experian is frozen
Thank you the Card Master. Will update post accordingly.
Barclay can pull experian when requesting an increase on a credit card.
1) In Jan 19 2020, I have applied for an avianca credit card, they have pulled my TransUnion report,
On the letter they had sent me it said that decision was based on TransUnion and Equifax, so might be they hard pulled TransUnion and soft pulling Equifax
2) discover card, if you freeze Experian, you can ask them to pull TransUnion
Thanks, Eli for sharing