The 3BM is a unique approach used by bloggers and churners to maximize credit pulls. Before we get into the detail of how to do a 3BM, let’s go through a few things regarding credit cards.
Every time you apply for a credit card, the bank “pulls” your credit. A pull is a credit inquiry which tells the bank your creditworthiness. Every time you have a credit pull your credit score drops. Although it is only a temporary drop, people don’t getting “pulled” too often.
How does one sign up for many credit cards if they don’t want to have a lot of credit pulls?
The answer is “The 3 Browser Method” (3BM) A.K.A. AN App-O-Rama.
What it is:
The 3BM makes that when you apply for multiple credit cards, you only get 1 credit pull on your credit report.
Here is a step by Step guide how to do the 3BM.
1) Open 3 browser’s (i.e Chrome, Firefox, Explorer, Safari, Opera)
2) Clear your cache and cookies (this will ensure you are getting the correct credit card offer)
3) Choose 3 cards FROM THE SAME BANK. The 3BM is not for a Chase card, and American Express card.
4) Put in all the info on all 3 cards
5) Press submit simultaneously.
By doing this the bank sees all your applications as one. There is a better chance for an instant approval. The best part of the App-O-Rama is getting 1 pull on your credit report.
People that have ways to meet the spending threshold, like doing a full blown App-O-Rama. The do 3 3BM in one shot! 3 Chase cards, 3 American express cards and a Citi card. You will still get a pull from each bank. The benefit here is each bank doesn’t see the credit pull of the other banks, since you are getting all the credit pulls the same time.
Citi Bank only allows 1 card approval, 2nd card approval after 7 days and then you need to wait 60 days. This makes the 3BM impossible from Citi.
Chase officially approves 2 cards, but via reconsideration you can get all 3 or even a 4BM.
Amex approves 3 or more cards, but who is applying for American Express after this?
Capital One pulls all 3 reports, so who wants to apply for their cards! We like getting 3 cards with 1 pull not vice verse!
A perfect example of an all out App-O-Rama would be:
Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.