How to Combine Credit Card Hard Inquiries

[ Update 9/13/2018 ] Combining hard inquiries to double dip and bypass 5/24 for Chase no longer works. Doing so will put eyes on your account, and Chase will call you to close a card or choose for you.

One of the most frequently asked questions I get is how to combine hard inquiries. Certain issuers will only make one hard inquiry when you apply for one or more credit cards on the same day. 

Each credit issuer has a different set of rules, so be sure to watch the videos below to learn more about each issuer.

For example, if you apply for a Chase credit card and a Bank of America credit card on the same day, this will be two inquiries. 

If you apply for a Chase credit card, a Bank of America credit card, and an American Express credit card on the same day, then this will be three inquiries because there are three different credit issuers. 

However, if you apply for two Chase credit cards on the same day, it will typically be only one inquiry since the cards are from the same credit issuer. 

When you apply for two Chase cards, but on different days, then this will be two inquiries. 

If you apply for two Chase cards, one in-branch and another online on the same day, this will typically result in two hard inquiries. 

Keep in mind that just because you can apply for more than one credit card, doesn't mean that you should. 

You can view credit card offers by going to the "Credit Card Offers" tab. Find offers for the respective cards in "Travel Rewards Credit Cards" and "Business Credit Cards." You don't have to use our links, but we're grateful when you do. Thank you for supporting AskSebby!

 

Watch the videos below to learn about each credit issuer:

Chase Application Rules

Bank of America Application Rules