is there a better time to app for cards?
is applying late at night a bad idea or more prone to 7-10 day responses due to banks being closed?
or do you just count that the servers do their job 24/7
Well that sucks, just got a 7-10 day on Ameriprise WEMC
FWIW, I apped at around midnight for my Amex and got approved. Although I did run into a hiccup and got an error post apping, and wasn't sure if I was approved at first or if my app had even gone through. Checked the automated status line and saw my approval.
I like to app in that sweet spot where I'm awake.
on a serious note, I have wondered the same thing. With all of the data points here, I would have thought somebody might have noticed a pattern if there was one
@woodyman100 wrote:I like to app in that sweet spot where I'm awake.
on a serious note, I have wondered the same thing. With all of the data points here, I would have thought somebody might have noticed a pattern if there was one
Please post your stats for each approval:
EQ TU EX income, baddies, utilization %, INQ count for 6 months... and was it before or after midnight, and which timezone 
I think it might not make any difference at all, or at least not be something quantifiable. A bank's servers are either going to function, or they are down for maintenance. If the processing of the app goes to someone's desk, there's no telling where in the world that person sits, and the variability among banks is astounding.
