@dragontears wrote:
@Remedios wrote:You dont have to worry about which day you apply as long as proper ritual to ward off evil spirits is performed
You get some sage, lit it, walk around the revice you intend to use, while simultaneously fanning the smoke with metal card.
It works every time
That only works if you go in a counter clockwise direction, if you do clockwise it will be a denial.
Lol
Don't forget to call the four quarters. You can watch the movie "the craft" for an example. While they recommend 4 people for best results in the movie, I haven't found the success rate any higher than when I do it by myself.
@cr101 wrote:
@Brian_Earl_Spilner wrote:Never on a Friday near closing time if you might have a manual review. They ain't reviewing nuthin. They go with the computer. Recon is a coinflip. They might approve you to shut you up, or they'll just flat out deny to end the call. I've seen both happen.
this is what i was thinking. goes with what allzero said. we trust them to be professional and do things by the book. but, if a person's trying to leave for the day, it can go either way. either they're not wasting the time to fully review your profile or they'll be more lax just to get it over with. if they're trying to meet their numbers at the end of the month or quarter, they're likely to approve imo.
omg, i just realized that my highest limit is on a wf cc. it went into review on a friday and was approved. it was towards the end of the month. lol.
Typically at the end of the month when I was with Chase, there would be a push to wrap up as many as possible before closing. Catering would be brought in so food was getting set up in the middle of the office about an hour before closing. They were most definitely not diving deep on recons or deals. That's why it was a coin flip. They either rushed you off citing your original denial reasons, or if you could give a decent explanation quickly, just approve.
@Remedios wrote:
@cr101 wrote:
@Brian_Earl_Spilner wrote:Never on a Friday near closing time if you might have a manual review. They ain't reviewing nuthin. They go with the computer. Recon is a coinflip. They might approve you to shut you up, or they'll just flat out deny to end the call. I've seen both happen.
this is what i was thinking. goes with what allzero said. we trust them to be professional and do things by the book. but, if a person's trying to leave for the day, it can go either way. either they're not wasting the time to fully review your profile or they'll be more lax just to get it over with. if they're trying to meet their numbers at the end of the month or quarter, they're likely to approve imo.
omg, i just realized that my highest limit is on a wf cc. it went into review on a friday and was approved. it was towards the end of the month. lol.
Except person is seldom involved these days, unless there is some convoluting going on in this thread between the actual approve/deny vs fraud/verification
Those processes are connected, yet distinct from each other.
Apply when your CR looks good, and do your research on lender before applying
You can wait for February 31st for best results but if you have 10 new accounts, bunch of negatives, young file, it's not going to be relevant.
UW is not magic, it's preset criteria. You either meet them, or you dont.
These days, lenders that allow recon are becoming exceedingly rare. Computer doesnt look at the watch or calendar, nor does it go home.
I think this is the important thing to remember. Everyone is going all in on automated so it won't matter when you apply initially. Just on recon.