Valued Contributor
afbar1114
Posts: 2,177
Registered: ‎01-09-2012
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
Re: Best time to app?

Christmas Time!!!


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


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Established Contributor
eviLution
Posts: 704
Registered: ‎06-11-2012
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
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
Re: Best time to app?

+1

Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012
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: 589
Registered: ‎09-12-2011
Re: Best time to app?

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

FICOs: TU08 841 6/3/14 per Wally; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 810 6/10/14; 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 MC $7.5K; Citi Simplicity Visa $15.1K; Discover IT $22.5K; Sallie Mae WMC $12.5K; US Bank Cash+ Visa Sig $20K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Senior Contributor
Wolf3
Posts: 3,198
Registered: ‎01-24-2010
Re: Best time to app?

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

Valued Contributor
android01
Posts: 1,206
Registered: ‎09-22-2009
Re: Best time to app?

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

EQ FICO - EQ08 - 850 - 6/17/14
TU FICO - TU08 - 850 - 6/17/14
EX FICO - EX08 - 850 - 6/17/14
Valued Contributor
bribro
Posts: 1,367
Registered: ‎04-20-2012
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)