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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 374466 times)

Offline Zalc

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Re: 2/3/4BM Master Thread
« Reply #4425 on: March 24, 2016, 02:21:36 PM »
Citi one time mentioned something of a voice recognition software
They asked if I wanted to enroll in a voice verification software to "secure my account" when I call. It would use some kind of voice "fingerprinting" software to verify who is calling in about the card.

Offline GAM Z.

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Re: 2/3/4BM Master Thread
« Reply #4426 on: March 25, 2016, 02:18:40 AM »
calendar day
Based on which time zone?

Offline shmoe joe

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Re: 2/3/4BM Master Thread
« Reply #4427 on: March 27, 2016, 05:41:14 PM »
Will crome on computer and crome on phone be considered as 2 different browsers?
give some love (likes) to a brother!

Offline Der Deutsche Jude

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Re: 2/3/4BM Master Thread
« Reply #4428 on: March 27, 2016, 07:04:42 PM »
Will crome on computer and crome on phone be considered as 2 different browsers?
Yes.

Offline boruchmig

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Re: 2/3/4BM Master Thread
« Reply #4429 on: March 28, 2016, 05:23:10 PM »
i just tried applying for 2 chase cards (saphire and freedom) i got a message saying that they need to further review my application. should i try applying for a ba account while im at it or better not thnks

Offline CS91

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Re: 2/3/4BM Master Thread
« Reply #4430 on: March 28, 2016, 06:35:12 PM »
i just tried applying for 2 chase cards (saphire and freedom) i got a message saying that they need to further review my application. should i try applying for a ba account while im at it or better not thnks
I would wait for a decision on the 2 that you already applied for and then apply for BA. You can merge the pulls manually later.

Offline boruchmig

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Re: 2/3/4BM Master Thread
« Reply #4431 on: March 28, 2016, 07:49:34 PM »
I would wait for a decision on the 2 that you already applied for and then apply for BA. You can merge the pulls manually later.

thx. how do you manually merge 2 pulls

Offline boruchmig

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Re: 2/3/4BM Master Thread
« Reply #4432 on: March 28, 2016, 07:54:49 PM »
do u need to do the 2bm for amex or do they just combine all applications from that day to one pull

Offline benjie1305

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Re: 2/3/4BM Master Thread
« Reply #4433 on: March 28, 2016, 08:16:52 PM »
do u need to do the 2bm for amex or do they just combine all applications from that day to one pull

No such thing as an MBM with Amex.
Work hard, Play harder!

Offline boruchmig

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Re: 2/3/4BM Master Thread
« Reply #4434 on: March 28, 2016, 08:22:48 PM »
No such thing as an MBM with Amex.

thx. do personal and business both come under the credit pull

Offline benjie1305

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Re: 2/3/4BM Master Thread
« Reply #4435 on: March 28, 2016, 08:24:34 PM »
thx. do personal and business both come under the credit pull

Yes.
Work hard, Play harder!

Offline boruchmig

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Re: 2/3/4BM Master Thread
« Reply #4436 on: March 28, 2016, 08:31:40 PM »
Yes.
if i dont get accepted right away, should i continue applying for more cards or should i stop

Offline mawmaw

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Re: 2/3/4BM Master Thread
« Reply #4437 on: March 28, 2016, 08:43:29 PM »
if i dont get accepted right away, should i continue applying for more cards or should i stop
take it easy  8). with amex it wont make a difference how many cards you apply for in one day but amex may pull your CL few times in the coming month! until they finish processing all your apps also it may result in few inquires especially when your later apps gets canceled and you recon   

Offline boruchmig

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Re: 2/3/4BM Master Thread
« Reply #4438 on: March 28, 2016, 09:37:42 PM »
take it easy  8). with amex it wont make a difference how many cards you apply for in one day but amex may pull your CL few times in the coming month! until they finish processing all your apps also it may result in few inquires especially when your later apps gets canceled and you recon

so is it better for me to or not to apply for more cards today. i didnt yet get accepted but already applied for one card

Offline booyaa

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Re: 2/3/4BM Master Thread
« Reply #4439 on: March 28, 2016, 10:29:39 PM »
so is it better for me to or not to apply for more cards today. i didnt yet get accepted but already applied for one card

Just do it