Real ChatGPT answer · index seedyCN5aC1Mx8gcompleteFinance and banking · checking and savings accountscomparison

Does switching my business checking from Citibank to Capital One trigger a hard or soft credit pull?

ChatGPTgpt-61 query10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Does switching my business checking from Citibank to Capital One trigger a hard or soft credit pull?
1 real search · 1 real-search pass
Capital One business checking account application credit inquiry hard pull soft pull personal credit report; Citibank business checking account credit inquiryGoogle ↗
OBSERVED

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

Classifying 1 queries…

Searches and sources

ChatGPT1 real searches · gpt-6
Capital One business checking account application credit inquiry hard pull soft pull personal credit report; Citibank business checking account credit inquiry Google ↗
  1. Capital One Business Banking · capitalone.com

Queries

1 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
Capital One business checking account application credit inquiry hard pull soft pull personal credit report; Citibank business checking account credit inquiry
OBSERVED
Google ↗
AI Mode ↗
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