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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 445335 times)

Offline ShimshonK

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Re: 2/3/4BM Master Thread
« Reply #4650 on: November 22, 2020, 09:57:59 PM »
If it's going to be two pulls why do them together?
I assume no reason. I just wanted to verify that it is 2 pulls, and also verify that it doesn't help both get approved for whatever odd reason that may be.

Offline Yo ssi

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Re: 2/3/4BM Master Thread
« Reply #4651 on: November 22, 2020, 09:59:15 PM »
and also verify that it doesn't help both get approved for whatever odd reason that may be.
This, most certainly not.

Offline ShimshonK

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Re: 2/3/4BM Master Thread
« Reply #4652 on: November 22, 2020, 11:33:19 PM »
Got instant approval on the Ink Cash. Now have 5 Inks, 1 more to go :)
3 under my SSN as sole prop, and now 2 under my business EIN.

Offline Yellow

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Re: 2/3/4BM Master Thread
« Reply #4653 on: January 13, 2021, 07:23:19 PM »
Does anyone know if a 2BM would work for two Amex business cards?

Offline herb

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Re: 2/3/4BM Master Thread
« Reply #4654 on: January 13, 2021, 07:42:07 PM »
Does anyone know if a 2BM would work for two Amex business cards?
y not?