The 4 banks ππΎ
These are the four issuers where weβre seeing soft-pull β approval β accept workflows show up consistently.
Apple Card
- Credit bureau: TransUnion
- Approval flow: Soft pull first, decision with credit limit shown before acceptance
- Availability: Nationwide
Citizens Bank (including Private Client / Private Bank cards)
- Credit bureau: Experian
- Approval flow: Pre-qualification tool using a soft pull
- Availability: Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia, Washington, DC
BMO
- Credit bureau: TransUnion
- Approval flow: Soft-pull pre-approval, especially for existing customers
- Availability: Nationwide
- Credit bureau: TransUnion
- Approval flow: Soft pull first, decision with credit limit shown before acceptance
- Availability: Nationwide
Lets build our 4 revolving lines of credit , $20,000 - $30,000 in revolving limits, and shift over to business credit stacking where the real capital is π°