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Should you apply for weekend increase?

Established Contributor

Should you apply for weekend increase?

Hi everyone,

 

Should you apply for a credit limit increase on the weekend? On a Sunday?

 

I was thinking of applying for a telephone automated system increase on one of my GE cards.


Starting Score: 722
Current Score: Now 687 what the hockey sticks...from a 784 (Aug 12 EX 751 EQ Fico)
Goal Score: 800

If your outGo is more than your INcome than your UpKeep will become your downFALL.

Take the FICO Fitness Challenge


Message 1 of 7
6 REPLIES
Valued Contributor

Re: Should you apply for increase?

It makes no difference the time/day/date.

 

The only factor that DOES matter, is your file.

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 2 of 7
Established Contributor

Re: Should you apply for increase?

ok, thanks I didn't know that.


Starting Score: 722
Current Score: Now 687 what the hockey sticks...from a 784 (Aug 12 EX 751 EQ Fico)
Goal Score: 800

If your outGo is more than your INcome than your UpKeep will become your downFALL.

Take the FICO Fitness Challenge


Message 3 of 7
Valued Contributor

Re: Should you apply for increase?


JusdoNit wrote:

ok, thanks I didn't know that.


Given that it's a GEMBC card, that usually means a SP, so I say go for it right now, so long as your file has only improved since opening the card.

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 4 of 7
Valued Member

Re: Should you apply for weekend increase?

i dont think applying on a certain day will increase your chances to be honest with u.i have quite a few GE cards (love GE lol)and i normally request every 4th statement.works for me!

EXPERIAN FICO- 680 7-2014

EQUIFAX FICO- 645 7-2014

TRANSUNION FICO- 681 7-2014
Message 5 of 7
Moderator

Re: Should you apply for weekend increase?

Makes no difference from whether you'll get the CLI or not.

 

Does make a difference if they have to actually review the file for whatever reason; banker hours. they ain't going to be there on Sunday to look at your file so you may be waiting an extra day or two longer than strictly necessary.

 

 

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


Take the myFICO Fitness Challenge
Message 6 of 7
Established Contributor

Re: Should you apply for weekend increase?


Revelate wrote:

Makes no difference from whether you'll get the CLI or not.

 

Does make a difference if they have to actually review the file for whatever reason; banker hours. they ain't going to be there on Sunday to look at your file so you may be waiting an extra day or two longer than strictly necessary.

 

 



Revelate wrote:

Makes no difference from whether you'll get the CLI or not.

 

Does make a difference if they have to actually review the file for whatever reason; banker hours. they ain't going to be there on Sunday to look at your file so you may be waiting an extra day or two longer than strictly necessary.

 

 


Guess it kind of matters i you want to a little above the counter offer. I definitely needed to speak with the rep.


Starting Score: 722
Current Score: Now 687 what the hockey sticks...from a 784 (Aug 12 EX 751 EQ Fico)
Goal Score: 800

If your outGo is more than your INcome than your UpKeep will become your downFALL.

Take the FICO Fitness Challenge


Message 7 of 7