So I just recently applied for two Citi cards(75k miles each, visa and amex), and I read in a post that if I applied for both at the same time(or within a close time frame), that my 2 credit inquiries would be consolidated into one. My question is, what happens if I make 3(or more) inquiries in the same day from a bank or banks that use the same credit bureau in a very close timeframe(like within a few minutes)? Will my say, 4 or 5 credit inquiries be consolidated into one? I checked the info regarding Citi in creditboard's credit pulls info and it seems to me that Citi uses Experian in California. There is also this "Chase Sapphire Preferred" card that I want to apply for, but it seems Chase also uses Experian in California, and I wanted to apply for all three (citi visa, citi amex, chase) at the same time(but I did not, because I was not sure), that is why I came to ask this question. On a different topic, I read on frugaltravelguy.com that the best way to churn cards, one must pick 2 cards pulling from one credit bureau(say, experian), another 2 cards pulling from another(say, transunion), and yet another 2 cards that pulls from another credit bureau(say, equifax) every 90 days. I don't know if this still holds true though. but if it does, ..my other question is, are there any cards you can recommend for my 2 transunion and 2 equifax? I live in CA, 93308. It seems like all the good offers use experian, especially in California.. Note: If you can answer a question but not another, I welcome your post anyway. Thanks to all who post for the help.