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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 468295 times)

Offline jaywhy

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Re: 2/3/4BM Master Thread
« Reply #1050 on: March 12, 2013, 09:15:39 PM »
Experian.

Offline MEIR613

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Re: 2/3/4BM Master Thread
« Reply #1051 on: March 12, 2013, 09:25:59 PM »
Experian.
Check the other 2, but still sweet for only 1 from EX.

Offline AJK

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Re: 2/3/4BM Master Thread
« Reply #1052 on: March 12, 2013, 09:27:52 PM »
-1 Its either not there or they are incorrect

-1


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Offline businessmachine

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Re: 2/3/4BM Master Thread
« Reply #1053 on: March 12, 2013, 10:07:43 PM »
Experian.

I highly recommend that you check equifax report

Offline TatteDMo

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Re: 2/3/4BM Master Thread
« Reply #1054 on: March 13, 2013, 08:31:43 AM »
Thanks to this forum.  Just did a "2bm" for my wife chase united and sapphire.  Approved after reconsideration BC she didn't have any credit cards previously.  A little sweet talking with the agent worked wonders :-). Thanks everyone for your help!

Offline rots5

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Re: 2/3/4BM Master Thread
« Reply #1055 on: March 13, 2013, 08:40:44 AM »
Thanks to this forum.  Just did a "2bm" for my wife chase united and sapphire.  Approved after reconsideration BC she didn't have any credit cards previously.  A little sweet talking with the agent worked wonders :-). Thanks everyone for your help!
kol hakavod... glad it worked out!
If you have any questions please search and then ask. PM me for detailed help.

Offline Moshe123

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Re: 2/3/4BM Master Thread
« Reply #1056 on: March 13, 2013, 08:46:02 AM »
Thanks to this forum.  Just did a "2bm" for my wife chase united and sapphire.  Approved after reconsideration BC she didn't have any credit cards previously.  A little sweet talking with the agent worked wonders :-). Thanks everyone for your help!

Go for a third personal. it will only be one pull.

Offline TatteDMo

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Re: 2/3/4BM Master Thread
« Reply #1057 on: March 13, 2013, 08:46:59 AM »
Go for a third personal. it will only be one pull.

I will next time!  This is for beginners!

Offline Moshe123

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Re: 2/3/4BM Master Thread
« Reply #1058 on: March 13, 2013, 10:01:12 AM »
I will next time!  This is for beginners!

Just do it. You will thank yourself. I also only went for 2 as a start and regretted. Doesn't hurt to try and you shouldn't have a problem to reach a spend. it's not an additional pull. Can't hurt, only help.

Offline TatteDMo

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Re: 2/3/4BM Master Thread
« Reply #1059 on: March 13, 2013, 10:06:56 AM »
Just do it. You will thank yourself. I also only went for 2 as a start and regretted. Doesn't hurt to try and you shouldn't have a problem to reach a spend. it's not an additional pull. Can't hurt, only help.

If it was today, I would...I opened these a few weeks back.

Offline MEIR613

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Re: 2/3/4BM Master Thread
« Reply #1060 on: March 13, 2013, 11:11:39 AM »
If it was today, I would...I opened these a few weeks back.

Ohhh of course, everyone thought you did it today, which would result in 1 pull.

Offline teeboi123

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Re: 2/3/4BM Master Thread
« Reply #1061 on: March 13, 2013, 11:29:18 AM »
I signed up for 3 biz, IP, IB, UA. Got two so far, going to try on the third soon.

I have 3 personal Chase credit cards. Freedom, Marriot & Priority club that i applied 8 months ago. I've never had a business card before, Can i apply for 3 biz cards mentioned above?

Offline mmermss

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Re: 2/3/4BM Master Thread
« Reply #1062 on: March 13, 2013, 11:30:19 AM »
I have 3 personal Chase credit cards. Freedom, Marriot & Priority club that i applied 8 months ago. I've never had a business card before, Can i apply for 3 biz cards mentioned above?
Yes.  You can offer to transfer CL from your personal to the biz apps to get approved.
It's not about the quantity of your posts.  It's about the quality.

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Re: 2/3/4BM Master Thread
« Reply #1063 on: March 13, 2013, 11:34:02 AM »
If it was today, I would...I opened these a few weeks back.
You got your feet wet and are getting the hang of things. At this stage that is more important than another card. Congrats!!!
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline Redbull3

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Re: 2/3/4BM Master Thread
« Reply #1064 on: March 13, 2013, 11:34:50 AM »
You got your feet wet and are getting the hang of things. At this stage that is more important than another card. Congrats!!!

+1