I imagine 3 months in will not affect anything like timers, etc. Adding now would give them the most time to analyze your spending, so it'd pull the trigger now and reap the benefit IMO. For me, I wasn't worried about having the money tied up, and I knew my FICO would be high 700s at the end of the period. If your FICO is on the lower range, maybe think about if you would need the money for, say, 12 months?
