Combining inquiries from the same bank in one day?
Oct 25, 2011, 4:30 pm
#1
Original Poster
Join Date: Oct 2011
Posts: 2
Combining inquiries from the same bank in one day?
I apologize if this is part of the collective wisdom - I've done some searching and couldn't come up with an answer except for Citi. I thought I had seen a couple of allusions to the fact that credit bureaus combined multiple inquiries from the same bank in a single day into one reported inquiry. For example, I could apply for two Barclays cards in a single day and, provided the same bureau was pulled, it would only show up as a single inquiry. Is this at all true?
Oct 25, 2011, 6:18 pm
#2
Join Date: May 2009
Location: HNL
Programs: HA, DL, UA, PC Gold, A/club Plat, HH Gold, Hyatt Pl
Posts: 1,461
I apologize if this is part of the collective wisdom - I've done some searching and couldn't come up with an answer except for Citi. I thought I had seen a couple of allusions to the fact that credit bureaus combined multiple inquiries from the same bank in a single day into one reported inquiry. For example, I could apply for two Barclays cards in a single day and, provided the same bureau was pulled, it would only show up as a single inquiry. Is this at all true?
Oct 25, 2011, 7:42 pm
#3
Join Date: Nov 2010
Location: Traveling some where hopefully
Programs: AS, AA Gold, and Hilton
Posts: 1,954
I apologize if this is part of the collective wisdom - I've done some searching and couldn't come up with an answer except for Citi. I thought I had seen a couple of allusions to the fact that credit bureaus combined multiple inquiries from the same bank in a single day into one reported inquiry. For example, I could apply for two Barclays cards in a single day and, provided the same bureau was pulled, it would only show up as a single inquiry. Is this at all true?
Oct 25, 2011, 9:06 pm
#4
Join Date: Aug 2011
Location: SLC
Posts: 392
Amex doesn't seem to have a problem with it. I've had that work out okay. And I've read of the occasional case where people did it with Chase.
Oct 26, 2011, 4:51 am
#5
Join Date: Jan 2011
Location: PNH
Programs: AA Plat, DL PM, *A G, IHGClub PlatAmb, SPG G, Marriott G
Posts: 149
That's my experience as well. I applied for 3 AMEX cards (Plat, SPG Biz, RPG) and 3 BOA cards (HI Airlines, AK Airlines, WorldPoints) on the same day in early August. I was approved for all 6 (with accompanying bonuses) and my credit reports showed them as two inquiries.
Oct 26, 2011, 5:18 am
#6
Join Date: Apr 2005
Location: NYC
Posts: 1,756
That's my experience as well. I applied for 3 AMEX cards (Plat, SPG Biz, RPG) and 3 BOA cards (HI Airlines, AK Airlines, WorldPoints) on the same day in early August. I was approved for all 6 (with accompanying bonuses) and my credit reports showed them as two inquiries.