Author Topic: new to the game  (Read 3081 times)

Online myb821

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Re: new to the game
« Reply #15 on: March 22, 2011, 11:30:02 AM »
With Citi we know that to be the case, with other issuers we're not sure.

Please read the forums, you'll learn much much more than you can possible ask and answer in this thread. There's a thread (at least 1) for practically each of the cards Dan linked you to in his post above.

will do thank you so much for everything

Offline kivabb

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Re: new to the game
« Reply #16 on: March 22, 2011, 11:51:44 AM »
Apply for all the cards on the same day before all those inquiries hit your report and then take a break from applications for a little while.

So when Chase pulls my report, it won't show that I applied for 2 Citibanks a few hours earlier? Is same day safe or should I try to squeeze them together withing the hour (or two)?

Offline AsherO

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Re: new to the game
« Reply #17 on: March 22, 2011, 12:32:04 PM »
So when Chase pulls my report, it won't show that I applied for 2 Citibanks a few hours earlier? Is same day safe or should I try to squeeze them together withing the hour (or two)?

Within 10 minutes of eachother, why not?
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Offline kivabb

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Re: new to the game
« Reply #18 on: March 22, 2011, 12:45:59 PM »
Within 10 minutes of eachother, why not?

Dan seemed to imply a have a whole day. That sounds less stressful then 10 minutes.

Offline AsherO

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Re: new to the game
« Reply #19 on: March 22, 2011, 01:44:04 PM »
Dan seemed to imply a have a whole day. That sounds less stressful then 10 minutes.

The idea is to try to get them all in as soon as (reasonably) possible, to improve the chances of the inquiries not showing.
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Offline Yellow

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Re: new to the game
« Reply #20 on: March 22, 2011, 07:44:28 PM »
The idea is to try to get them all in as soon as (reasonably) possible, to improve the chances of the inquiries not showing.
I always thought that the inquiries are reported once a month to the credit bureaus? So if someone applies for three cards in one hour they should be fine?

Offline Avid Reader

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Re: new to the game
« Reply #21 on: March 22, 2011, 08:33:32 PM »
does the three browser method mean only one credit pull for sure?

1 pull for both personal cards, another for the business card.

Offline AsherO

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Re: new to the game
« Reply #22 on: March 23, 2011, 04:05:35 AM »
I always thought that the inquiries are reported once a month to the credit bureaus? So if someone applies for three cards in one hour they should be fine?

I'd say it's more often than once a month. Probably daily.
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Offline elikay

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Re: new to the game
« Reply #23 on: March 23, 2011, 09:12:24 AM »
Current balance is reported once a month, inquiries aren't "reported", once there's an inquiry, well, they've inquired so the bureau obviously knows!

Offline AsherO

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Re: new to the game
« Reply #24 on: March 23, 2011, 10:43:04 AM »
Current balance is reported once a month, inquiries aren't "reported", once there's an inquiry, well, they've inquired so the bureau obviously knows!

+1, but we're suggesting it takes a few hours to a day to post to your report.
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