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 466660 times)

Offline R.A.T.

  • Dansdeals Bronze Elite
  • *
  • Join Date: Dec 2020
  • Posts: 37
  • Total likes: 5
  • DansDeals.com Hat Tips 0
    • View Profile
Re: 2/3/4BM Master Thread
« Reply #4665 on: March 09, 2021, 04:19:40 AM »
Nov still had two
Can you post how the two are listed?

JPMCB CARD
Inquired on 11/18/2019
PO BOX 15298
WILMINGTON DE, 19850

Offline aryeh1

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Jan 2011
  • Posts: 4239
  • Total likes: 8
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: DDF
Re: 2/3/4BM Master Thread
« Reply #4666 on: March 15, 2021, 01:42:40 AM »
So 2 chase personal is one or two pulls now? Thanks

Offline justmeha

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Feb 2019
  • Posts: 1277
  • Total likes: 126
  • DansDeals.com Hat Tips 9
    • View Profile
Re: 2/3/4BM Master Thread
« Reply #4667 on: March 15, 2021, 02:20:59 AM »
Can you post how the two are listed?

JPMCB CARD
Inquired on 11/18/2019
PO BOX 15298
WILMINGTON DE, 19850
@R.A.T.

Contact info
PO BOX 15298
WILMINGTON, DE 19850
(800) 432-3117

Contact info
PO BOX 15369
WILMINGTON, DE 19850
(800) 945-2000

Offline elikay

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2010
  • Posts: 5341
  • Total likes: 13
  • DansDeals.com Hat Tips 2
    • View Profile
Re: 2/3/4BM Master Thread
« Reply #4668 on: March 19, 2021, 11:54:39 AM »
I would like to apply for a few cards. have not applied for a card in years. What should I go for? is there a better thread to post this in, I seem to remember there is but I can't find it now.

Offline Der Deutsche Jude

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Jan 2016
  • Posts: 885
  • Total likes: 34
  • DansDeals.com Hat Tips 3
    • View Profile
  • Location: Brooklyn, NY
  • Programs: AA, CA, FAA, GA, NA, OA, WA
Re: 2/3/4BM Master Thread
« Reply #4669 on: March 23, 2021, 01:08:20 AM »
I would like to apply for a few cards. have not applied for a card in years. What should I go for? is there a better thread to post this in, I seem to remember there is but I can't find it now.
Sapphire preferred has 80K + $50 right now

Offline aryeh1

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Jan 2011
  • Posts: 4239
  • Total likes: 8
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: DDF
Re: 2/3/4BM Master Thread
« Reply #4670 on: March 23, 2021, 07:28:24 AM »
Sapphire preferred has 80K + $50 right now
Its solicitated no

Offline Cat18

  • Dansdeals Gold Elite
  • ***
  • Join Date: Nov 2016
  • Posts: 159
  • Total likes: 10
  • DansDeals.com Hat Tips 0
    • View Profile
Re: 2/3/4BM Master Thread
« Reply #4671 on: March 23, 2021, 02:47:18 PM »
Does anyone know if a 2BM would work for two Amex business cards?
I thought even using 1 browser the pulls will be combined if 1 charge and 1 credit card