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Best time to app?

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afbar1114
Valued Contributor

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?

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 1 of 12
11 REPLIES 11
jmco
Contributor

Re: Best time to app?

Christmas Time!!!


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


Take the FICO Fitness Challenge
Message 2 of 12
eviLution
Established Contributor

Re: Best time to app?

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

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Message 3 of 12
ObeyJohnny12
Established Contributor

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.
Wells Fargo Secured - 7k
Opensky - 5k
Rebuilding One Day At A Time.
Message 4 of 12
Cadillac-XTS
Established Contributor

Re: Best time to app?

+1

Message 5 of 12
Duncanrr
Valued Contributor

Re: Best time to app?

When your credit score is at its best Smiley Happy 



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

Take the FICO Fitness Challenge
Message 6 of 12
CribDuchess
Established Contributor

Re: Best time to app?

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

FICOs: TU08 842 EQ08 850 EX08 850

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex BCE $12K; Apple Card $20K; BofA Travel Rewards Visa Sig $67.6K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Chase Freedom Unlimited $21.4K; Citi Costco Visa $19.3K; Citi Double Cash $13.5K; Citi Simplicity Visa $23.3K; Discover IT $50K; Fidelity Visa $25K; NFCU Flagship Visa Sig $40K; NFCU More Rewards Amex $30K; PenFed Plat Rewards Visa Sig $50K; Sears MC $10.1K; US Bank Altitude Go Visa Sig $20K; US Bank Cash+ Visa Sig $26K; Wells Fargo Rewards Visa Sig $14K
Message 7 of 12
Wolf3
Senior Contributor

Re: Best time to app?

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

Message 8 of 12
android01
Valued Contributor

Re: Best time to app?

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

EQ Fico 8 - 850
TU Fico 8 - 850
EX Fico 8 - 850
Message 9 of 12
bribro
Valued Contributor

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)

J.P. Morgan Palladium ($250k) | AmEx Platinum (NPSL) | AmEx SPG Personal/Business ($50k/$50k) | Citi Executive AAdvantage WEMC ($50k) | Citi Dividend WEMC ($50k) | Chase Sapphire Preferred VS ($50k) | Chase Ink Bold WEMC ($50k Flex) | Chase Ink Plus WEMC ($25k) | Chase Freedom VS ($25k) | Chase Freedom WMC ($25k) | Chase MileagePlus Explorer ($25k) | Chase Southwest RR Plus Business/Personal ($15k/$15k) | Barclays US Airways ($25k) | Barclays Hawaiian Airlines ($25k) | BofA Alaska Airlines ($10k) | Lexus Financial Services ($30k) | Mercedes-Benz Financial Services ($50k)
Message 10 of 12
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