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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 378014 times)

Offline Shmulyg

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Re: 2/3/4BM Master Thread
« Reply #1425 on: April 19, 2013, 07:07:41 AM »
with 2bm if one of the cards is amex virgin atlantic from BOA. is that considered an american express or bank of america when it comes to 2bm, ie that card together with other american express would be 1 pull or 2???
BoA.

Offline mendmendy

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Re: 2/3/4BM Master Thread
« Reply #1426 on: April 19, 2013, 10:00:48 AM »
BH

Yesterday, I did the 3 BM trick on Chase: Saphire, BA and Ink Plus (business).
When I called to be reconsidered, (i got all 3 approved), they told me that they have done 3 separate pulls, even though I applied for all 3 simultaneously.
I checked my credit report today and I see 3 credit checks from Chase: 1 on TransUnion, 1 on Equifax and 1 on Experidian.
Has anyone had a similar experience? What does this say about the future of 3 BM?

Offline noturbizniss

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Re: 2/3/4BM Master Thread
« Reply #1427 on: April 19, 2013, 10:03:58 AM »
BH

Yesterday, I did the 3 BM trick on Chase: Saphire, BA and Ink Plus (business).
When I called to be reconsidered, (i got all 3 approved), they told me that they have done 3 separate pulls, even though I applied for all 3 simultaneously.
I checked my credit report today and I see 3 credit checks from Chase: 1 on TransUnion, 1 on Equifax and 1 on Experidian.
Has anyone had a similar experience? What does this say about the future of 3 BM?
where do you live?
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Offline mendmendy

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Re: 2/3/4BM Master Thread
« Reply #1428 on: April 19, 2013, 11:13:15 AM »
PA

Online yuneeq

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Re: 2/3/4BM Master Thread
« Reply #1429 on: April 19, 2013, 01:36:53 PM »
BH

Yesterday, I did the 3 BM trick on Chase: Saphire, BA and Ink Plus (business).
When I called to be reconsidered, (i got all 3 approved), they told me that they have done 3 separate pulls, even though I applied for all 3 simultaneously.
I checked my credit report today and I see 3 credit checks from Chase: 1 on TransUnion, 1 on Equifax and 1 on Experidian.
Has anyone had a similar experience? What does this say about the future of 3 BM?

First time I've heard of them pulling 3 different ones in one area. But nice to hear that you got approved to all 3.
Live forever or die trying.

Offline ae123

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Re: 2/3/4BM Master Thread
« Reply #1430 on: April 19, 2013, 03:06:33 PM »
If I do a 4bm with Chase (2 personal cards, 2 business cards) is that one pull because it's all one name, or two pulls - one for the two personal, and one for the two business?

Offline mmermss

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Re: 2/3/4BM Master Thread
« Reply #1431 on: April 19, 2013, 03:11:28 PM »
If I do a 4bm with Chase (2 personal cards, 2 business cards) is that one pull because it's all one name, or two pulls - one for the two personal, and one for the two business?
Two pulls.

Although I think Dan mentioned that some people are only getting one pull recently.
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Offline Dan

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Re: 2/3/4BM Master Thread
« Reply #1432 on: April 19, 2013, 03:13:59 PM »
Two pulls.

Although I think Dan mentioned that some people are only getting one pull recently.
A few DDF'ers have posted recently that they got just one pull.
I'll leave it up to you to locate those posts :)
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

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Re: 2/3/4BM Master Thread
« Reply #1433 on: April 19, 2013, 03:28:09 PM »
A few DDF'ers have posted recently that they got just one pull.
I'll leave it up to you to locate those posts :)

Its in the wiki FAQ :D
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Offline Dan

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Re: 2/3/4BM Master Thread
« Reply #1434 on: April 19, 2013, 03:29:51 PM »
Its in the wiki FAQ :D
The links to every report of 1 pull are there??
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline ae123

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Re: 2/3/4BM Master Thread
« Reply #1435 on: April 19, 2013, 03:40:39 PM »
The links to every report of 1 pull are there??

He's right. It was added to the Wiki.
Thank you both.

Offline Cbs

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Re: 2/3/4BM Master Thread
« Reply #1436 on: April 19, 2013, 04:21:12 PM »
thinking of doing a 3bm now on amex after many long months of not applying and recovering from an F/R

i have active SPG, and PRG personal.

last july i applied for both plats and got accepted and canceled.

my idea: - PRG-50k biz , SPG - 25k biz, Delta - either 30k after $500 spend OR 45k after 5k spend (25k after first purchase and 20k after 5k)

any input? and which delta should i do?

Offline Cbs

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Re: 2/3/4BM Master Thread
« Reply #1437 on: April 19, 2013, 06:24:48 PM »
thinking of doing a 3bm now on amex after many long months of not applying and recovering from an F/R

i have active SPG, and PRG personal.

last july i applied for both plats and got accepted and canceled.

my idea: - PRG-50k biz , SPG - 25k biz, Delta - either 30k after $500 spend OR 45k after 5k spend (25k after first purchase and 20k after 5k)

any input? and which delta should i do?
what d'yall say?




Offline MEIR613

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Re: 2/3/4BM Master Thread
« Reply #1438 on: April 19, 2013, 06:25:39 PM »

Offline Cbs

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Re: 2/3/4BM Master Thread
« Reply #1439 on: April 19, 2013, 06:25:59 PM »
Start calling
why? amex will give in on phone?