Topic Wiki

Opening a card typically entails a credit check, also known as a hard pull, which can lower your score by a couple points. To mitigate the effects of opening a card for a signup bonus, apply for cards via the “2bm/3bm method”. This means using 2 or 3 web browsers -like IE, Chrome, and Firefox- to apply for 2 or 3 different cards from the same bank, as close to each other as possible. Fill out the application form on all 3 browsers and then hit submit on all of them within a few seconds. This way you can get 2 or 3 cards with just 1 credit pull. There’s no guarantee you’ll get accepted to all 3, but this increases the odds of getting multiple cards. Applying for 2/3/4 cards in the same day will also usually cause only 1 pull, though the likelihood of getting instant approval for all cards is lowered.

An “AOR” or app-o-rama is the process of using multiple 2/3bms from multiple banks as quickly as possible, in order to get approved for more cards from more banks while reducing the likelihood that each bank sees the other pulls, which can negatively impact approval chances.

Dan's posts on 2/3/4BM can be seen here, and here.

FAQ:
Q: If I apply for business and consumer cards in the same 3bm will it still only cause one pull? What about mixing credit and charge cards?

A: If you're doing a 3bm with Chase, mixing business and consumer cards will usually cause 2 pulls, but there have been recent reports of only getting one. Though with AMEX, one can mix them together with no worry. In regards to mixing credit and charge cards, it does NOT make a difference, and your credit will only be pulled once.

Q: CV:Is it still possible to get approved for 3 Chase cards within 30 days?

A: Yes, it is still possible, even if your experience says otherwise.
« Last edited by HDS on February 05, 2014, 12:21:54 PM »

Author Topic: 2/3/4BM Master Thread  (Read 396342 times)

Offline mmgfarb

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2015
  • Posts: 8127
  • Total likes: 827
  • DansDeals.com Hat Tips 4
    • View Profile
Re: 2/3/4BM Master Thread
« Reply #4605 on: February 19, 2019, 02:19:47 AM »





Is it safe at all to open a chase cc?
No
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline mahnishma

  • Dansdeals Gold Elite
  • ***
  • Join Date: Jan 2016
  • Posts: 149
  • Total likes: 1
  • DansDeals.com Hat Tips 0
    • View Profile
Re: 2/3/4BM Master Thread
« Reply #4606 on: February 20, 2019, 07:51:29 AM »
DON'T DO IT
just my 2 cents.
Explain why you can't do a 2bm?

Offline davidrotts63

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2017
  • Posts: 7080
  • Total likes: 780
  • DansDeals.com Hat Tips 26
  • Gender: Male
    • View Profile
  • Programs: Hertz Gold, Hyatt Member, BA Blue, Ebay banned, Amazon Prime
Re: 2/3/4BM Master Thread
« Reply #4607 on: February 20, 2019, 07:54:48 AM »
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline mahnishma

  • Dansdeals Gold Elite
  • ***
  • Join Date: Jan 2016
  • Posts: 149
  • Total likes: 1
  • DansDeals.com Hat Tips 0
    • View Profile

Offline ckmk47

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Aug 2012
  • Posts: 6220
  • Total likes: 161
  • DansDeals.com Hat Tips 3
  • Gender: Female
    • View Profile
  • Location: brooklyn
Re: 2/3/4BM Master Thread
« Reply #4609 on: March 04, 2019, 01:25:07 PM »
My husband is applying for the IHG. (big bonus)


What else should he apply for after he's approved?
He has a United Explorer, Sapphire Reserve, and Freedom.


(I have FU, freedom, BA)


Offline Malachi

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Oct 2013
  • Posts: 997
  • Total likes: 7
  • DansDeals.com Hat Tips 0
    • View Profile
Re: 2/3/4BM Master Thread
« Reply #4610 on: March 08, 2019, 11:36:34 AM »
I was approved on a new business for a chase ink. Can I apply for my wife for an ink under the same business name?
Denny Crane

Offline Naftuli19

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jun 2018
  • Posts: 1702
  • Total likes: 102
  • DansDeals.com Hat Tips 1
  • Gender: Male
    • View Profile
  • Location: NYC
  • Programs: I wish all...
Re: 2/3/4BM Master Thread
« Reply #4611 on: March 08, 2019, 11:38:55 AM »
I was approved on a new business for a chase ink. Can I apply for my wife for an ink under the same business name?
Dont see y not, Is she part of the business?
Sometimes You Will Never Know the True Value of A Moment Until Its Become A Memory...

Offline Malachi

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Oct 2013
  • Posts: 997
  • Total likes: 7
  • DansDeals.com Hat Tips 0
    • View Profile
Re: 2/3/4BM Master Thread
« Reply #4612 on: March 08, 2019, 11:50:16 AM »
Yes, Just making sure that you can get the bonus twice on the same business for a different person..
Denny Crane

Offline Naftuli19

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jun 2018
  • Posts: 1702
  • Total likes: 102
  • DansDeals.com Hat Tips 1
  • Gender: Male
    • View Profile
  • Location: NYC
  • Programs: I wish all...
Re: 2/3/4BM Master Thread
« Reply #4613 on: March 08, 2019, 11:54:48 AM »
Sure
Sometimes You Will Never Know the True Value of A Moment Until Its Become A Memory...

Offline Malachi

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Oct 2013
  • Posts: 997
  • Total likes: 7
  • DansDeals.com Hat Tips 0
    • View Profile
Re: 2/3/4BM Master Thread
« Reply #4614 on: March 08, 2019, 12:08:12 PM »
I appreciate the response. Can anyone else confirm this?
Denny Crane

Offline mmgfarb

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2015
  • Posts: 8127
  • Total likes: 827
  • DansDeals.com Hat Tips 4
    • View Profile
Re: 2/3/4BM Master Thread
« Reply #4615 on: March 08, 2019, 12:11:06 PM »
I appreciate the response. Can anyone else confirm this?
Yes
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline Malachi

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Oct 2013
  • Posts: 997
  • Total likes: 7
  • DansDeals.com Hat Tips 0
    • View Profile
Re: 2/3/4BM Master Thread
« Reply #4616 on: March 08, 2019, 12:11:45 PM »
Thanks!
Denny Crane

Offline ludmila

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Aug 2012
  • Posts: 5164
  • Total likes: 268
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: IND
  • Programs: Hilton Diamond,Marriott Platinum,SPG Platinum.
Re: 2/3/4BM Master Thread
« Reply #4617 on: March 09, 2019, 01:39:13 AM »
I appreciate the response. Can anyone else confirm this?
Yes.
I was the Best,still the Best, and will always be the Best.
Pele Good,Maradona Better, George Best.

Offline 123ablack

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: May 2011
  • Posts: 568
  • Total likes: 1
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: Brooklyn, NY
Re: 2/3/4BM Master Thread
« Reply #4618 on: March 18, 2019, 03:53:17 PM »
Is the 2bm not advised these days? (Risk: AA)

Offline smaxber

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Mar 2013
  • Posts: 1444
  • Total likes: 1
  • DansDeals.com Hat Tips 3
    • View Profile
Re: 2/3/4BM Master Thread
« Reply #4619 on: January 13, 2020, 08:11:32 PM »
What’s the status of these for
Amex? Better to wait? Any amount of time recommended?
Chase? wait? Any amount of time recommended?
Citi? They still have their limits of days between apps 1,8,65 etc?
Barclay?