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is there an ideal day/time when I should churn ?

New Contributor

is there an ideal day/time when I should churn ?

Hi, when should I churn for new credit cards ? Specifically like, which month/ day ?  I'm new to this so this would be my first time churning.. applying for a couple new credit cards all at once. The last time I applied for one card was last month, is it ok to do a churn 2 months from now ? 

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Valued Contributor

Re: is there an ideal day/time when I should churn ?

Tuesday, around noon.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
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Epic Contributor

Re: is there an ideal day/time when I should churn ?


anonymous4a wrote:

Hi, when should I churn for new credit cards ? Specifically like, which month/ day ?  I'm new to this so this would be my first time churning.. applying for a couple new credit cards all at once. The last time I applied for one card was last month, is it ok to do a churn 2 months from now ? 


I thought churning was like scooping up all these bonus card offers and then closing them in 6-12 months and repeat sort of thing... not 1 or 2 apps.

 

I say pick all the cards you want and figure out which reports they pull and who is more sensitive and if multiple cards are from same lender which order they should be applied for.  I say a weekday (tue-thur) morning so that you can instantly call in to a backdoor number and talk to someone if you don't get instant approval.  However I'm really fine at any day and time, just then you might have to wait until the next business day to call!

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Valued Contributor

Re: is there an ideal day/time when I should churn ?

When your credit score is high.

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)
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