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myze551ml t1_iuidg2h wrote

Reply to comment by ahj3939 in Is it really necessary to wait months in between applying for credit cards? by madchad90

While the accounts take time, new pulls show up almost immediately (a day at most); multiple pulls in a short while may result in rejections.

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ahj3939 t1_iuinpca wrote

Correct if you have 20 credit pulls in the past 7 days you might get denied.

Also keep in mind you have 3 credit reports.

I don't recommend Capital One for many reasons, least of which is they pull all 3 credit reports.

However most banks will pull 1 or 2 reports only.

Apply for Amex they are 99.9% chance of only pulling Experian, the others are a toss up but say Discover pulls your Transunion only. They you apply for Chase they might pull Transunion & Equifax only.

Most of it is luck but you could apply for 3 different credit cards and each one sees 0 recent inquiries.

Also, sometimes when you apply for for two cards with the same bank on the same day they will only do an initial credit pull

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