topic Re: Best time to app? in Credit Cards https://ficoforums.myfico.com/t5/Credit-Cards/Best-time-to-app/m-p/1827907#M509476 <P>Anytime is a good time to app, provided your scores are good&nbsp;&amp; utility is low. <img id="smileywink" class="emoticon emoticon-smileywink" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /></P> Wed, 23 Jan 2013 02:45:48 GMT CribDuchess 2013-01-23T02:45:48Z Best time to app? https://ficoforums.myfico.com/t5/Credit-Cards/Best-time-to-app/m-p/1827817#M509451 <P>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 &nbsp;everyone else what have you found?</P> Wed, 23 Jan 2013 01:59:45 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Best-time-to-app/m-p/1827817#M509451 afbar1114 2013-01-23T01:59:45Z Re: Best time to app? https://ficoforums.myfico.com/t5/Credit-Cards/Best-time-to-app/m-p/1827821#M509452 <P>Christmas Time!!!</P> Wed, 23 Jan 2013 02:02:20 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Best-time-to-app/m-p/1827821#M509452 Anonymous 2013-01-23T02:02:20Z Re: Best time to app? https://ficoforums.myfico.com/t5/Credit-Cards/Best-time-to-app/m-p/1827833#M509457 I definitely see a lot of approvals and big CLI posts during the Christmas season. Wed, 23 Jan 2013 02:07:41 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Best-time-to-app/m-p/1827833#M509457 Anonymous 2013-01-23T02:07:41Z Re: Best time to app? https://ficoforums.myfico.com/t5/Credit-Cards/Best-time-to-app/m-p/1827845#M509459 ^^^ 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. Wed, 23 Jan 2013 02:12:55 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Best-time-to-app/m-p/1827845#M509459 ObeyJohnny12 2013-01-23T02:12:55Z Re: Best time to app? https://ficoforums.myfico.com/t5/Credit-Cards/Best-time-to-app/m-p/1827867#M509464 <P>+1</P> Wed, 23 Jan 2013 02:25:01 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Best-time-to-app/m-p/1827867#M509464 Anonymous 2013-01-23T02:25:01Z Re: Best time to app? https://ficoforums.myfico.com/t5/Credit-Cards/Best-time-to-app/m-p/1827895#M509473 <P>When your credit score is at its best <img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" />&nbsp;</P> Wed, 23 Jan 2013 02:40:20 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Best-time-to-app/m-p/1827895#M509473 Duncanrr 2013-01-23T02:40:20Z Re: Best time to app? https://ficoforums.myfico.com/t5/Credit-Cards/Best-time-to-app/m-p/1827907#M509476 <P>Anytime is a good time to app, provided your scores are good&nbsp;&amp; utility is low. <img id="smileywink" class="emoticon emoticon-smileywink" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /></P> Wed, 23 Jan 2013 02:45:48 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Best-time-to-app/m-p/1827907#M509476 CribDuchess 2013-01-23T02:45:48Z Re: Best time to app? https://ficoforums.myfico.com/t5/Credit-Cards/Best-time-to-app/m-p/1827961#M509491 <P>For me, summer and fall have been good.&nbsp;&nbsp; Spring not good.</P> Wed, 23 Jan 2013 03:10:06 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Best-time-to-app/m-p/1827961#M509491 Anonymous 2013-01-23T03:10:06Z Re: Best time to app? https://ficoforums.myfico.com/t5/Credit-Cards/Best-time-to-app/m-p/1827965#M509492 <P>When you need new credit that you'll actually use.</P> Wed, 23 Jan 2013 03:13:06 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Best-time-to-app/m-p/1827965#M509492 android01 2013-01-23T03:13:06Z Re: Best time to app? https://ficoforums.myfico.com/t5/Credit-Cards/Best-time-to-app/m-p/1828985#M509754 <P>When your scores are highest.</P> Wed, 23 Jan 2013 17:26:46 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Best-time-to-app/m-p/1828985#M509754 Anonymous 2013-01-23T17:26:46Z Re: Best time to app? https://ficoforums.myfico.com/t5/Credit-Cards/Best-time-to-app/m-p/1829181#M509804 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>When your scores are highest.</P><HR /></BLOCKQUOTE><P>I think this answer wins. &nbsp;I really doubt that card issuers adjust their algorithms during a certain time of year. &nbsp;They may adjust them to account for other factors, but I can't imagine that holidays are one of them.</P><P>&nbsp;</P><BLOCKQUOTE><HR />@Credit314 wrote:<BR /><P>+1</P><HR /></BLOCKQUOTE><P>You're useless.</P> Wed, 23 Jan 2013 18:51:03 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Best-time-to-app/m-p/1829181#M509804 djrez4 2013-01-23T18:51:03Z Re: Best time to app? https://ficoforums.myfico.com/t5/Credit-Cards/Best-time-to-app/m-p/1829227#M509814 +1 Wed, 23 Jan 2013 19:06:47 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Best-time-to-app/m-p/1829227#M509814 Anonymous 2013-01-23T19:06:47Z