Which Credit Bureau Does HSBC Use?

Many factors exist for why people would want to submit multiple credit card applications at the same time, such as receiving multiple welcome bonuses at once, receiving more money on the 200 percent annual percentage rate, and more. If a credit card issuer finds an excessive number of recent credit inquiries on your credit report, they may reject your credit card application. If you intend to apply for multiple credit cards at the same time, you should proceed carefully to avoid having your applications denied for the additional credit inquiries.

When credit cards were first introduced, it was possible to apply for several of them simultaneously with different browsers. This used to help avoid the banks from seeing each other’s credit inquiries. This trick is now dead. It is not possible for you to act more quickly and submit a second application before the initial credit inquiry appears because credit bureaus update credit reports in a microsecond.

Thankfully, most credit card issuers only pull one of your three credit reports. Thus, you can apply for more than one credit card as long as you choose the appropriate banks and divide your credit inquiries among the three credit bureaus.

A bank may only pull your credit once if you apply for more than one card on the same day at the same institution. More info on that can be found here.

Here’s a list of which credit bureau each credit card issuer usually pulls. As an alternative, you can look through our Credit Card Database, where users can report in real time which credit bureau was consulted when they recently applied for a loan. Change the credit bureau the bank pulls.

New! Amex will first only perform a soft pull on your credit report with the new “Apply With Confidence” feature, and will notify you whether you are approved or not. Amex won’t pull your credit until you accept the approval; at this time, Amex consumer cards are the only ones that offer this feature. See more details below*).

HSBC typically pulls your Equifax credit report when you apply for a credit card. However, there are some exceptions to this rule.

Here are some things to keep in mind:

Your location: In some states, HSBC may pull your Experian credit report instead of your Equifax credit report.
Your credit history: If you have a thin credit file, HSBC may pull your credit report from all three bureaus (Experian, Equifax, and TransUnion).
The specific credit card you are applying for: Some HSBC credit cards may have different credit bureau reporting requirements.

Here is a table summarizing which credit bureau HSBC typically pulls for different types of credit cards:

Credit Card Type	Credit Bureau Typically Pulled
Personal Credit Cards	Equifax
Business Credit Cards	Experian
Secured Credit Cards	Equifax

If you are unsure which credit bureau HSBC will pull for your application, you can contact HSBC customer service for more information

Here are some additional resources that you may find helpful:

HSBC Credit Card Application FAQs: https://www.us.hsbc.com/credit-cards/faqs
Credit Karma: https://www.creditkarma.com/
AnnualCreditReport.com: https://www.annualcreditreport.com/

Apple Card – Goldman Sachs

Apple card -Goldman Sachs Bank will only do a soft pull when you apply. They will inform you of your approval status and the credit limit you have been granted. A hard pull will only be performed once you accept the approval. They will usually pull either your Equifax or Transunion credit report.

By freezing Transunion and Equifax after preapproval but before the final decision, some have been able to avoid the hard pull.