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Valued Contributor
afbar1114
Posts: 2,179
Registered: ‎01-09-2012
0

Best time to app?

When is the best time to app for anything? Because it seems that the beginning of the year has been best for me.... How about  everyone else what have you found?


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Contributor
jmco
Posts: 92
Registered: ‎09-23-2012
0

Re: Best time to app?

Christmas Time!!!


Starting Score: 720
Current Score: 626
Goal Score: 700


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Established Contributor
eviLution
Posts: 706
Registered: ‎06-11-2012
0

Re: Best time to app?

I definitely see a lot of approvals and big CLI posts during the Christmas season.

Current Score: DCU EQ 714 - EX+ 746 - WM TU 746
Goal Score: 750+

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 6000 - Chase Freedom: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Established Contributor
ObeyJohnny12
Posts: 591
Registered: ‎05-05-2012
0

Re: Best time to app?

^^^ Agree. Usually during xmas banks are more generous. Pretty obvious banks want to make bucks during that time of the year with all the holiday shopping.
Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Best time to app?

+1

Valued Contributor
Duncanrr
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Best time to app?

When your credit score is at its best :smileyhappy: 



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Established Contributor
CribDuchess
Posts: 658
Registered: ‎09-12-2011
0

Re: Best time to app?

Anytime is a good time to app, provided your scores are good & utility is low. :smileywink:

FICOs: TU08 841 10/6/14 per Wally; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 800 11/8/14; EX 805 6/12/14 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $15K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Double Cash $10K; Citi Simplicity Visa $15.1K; Discover IT $24K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $20K; Sallie Mae WMC $12.5K; US Bank Cash+ Visa Sig $24.5K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Senior Contributor
Wolf3
Posts: 3,197
Registered: ‎01-24-2010
0

Re: Best time to app?

For me, summer and fall have been good.   Spring not good.

Valued Contributor
android01
Posts: 1,226
Registered: ‎09-22-2009
0

Re: Best time to app?

When you need new credit that you'll actually use.

EQ FICO - EQ08 - 850 -10/22/14
TU FICO - TU08 - 850 - 10/22/14
EX FICO - EX08 - 850 - 10/22/14
Valued Contributor
bribro
Posts: 1,367
Registered: ‎04-20-2012
0

Re: Best time to app?

When your scores are highest.

TU FICO: 800 (2/1/14) | CK Score: 802 (2/1/14) | CS Score: 805 (2/1/14)

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