Originally Posted by
Fuerza
Does Citi consolidate pulls? If I apply for a Citi TY premier will they use the same pull for a 2nd Citi Ex?
No bank consolidates pulls.
To understand what pulls can be consolidated, you have to understand who consolidates pulls and when.
The consolidation of pulls happens
at the credit bureau, when they can't tell
if the two pulls are
duplicates of each other.
Which is why, in the days of the two-browser-type-trick working at Ciit (up until sometime last year), applying for two of the same card minutes apart would result in only one pull, because the bureau (not Citi!) merged the two pulls, because it couldn't tell them apart and thus couldn't tell if they were duplicates or not.
Now that Citi no longer lets you apply for two of the same card on the same day, and in fact in general requires card apps to be at least 8 days apart, there's no possible confusion between Citi pulls on 2 apps at any bureau, and so there's no reason for the bureau to considering consolidting those pulls.