Better Day To Apply ?

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Wildcat_1
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Better Day To Apply ?

Postby Wildcat_1 » Fri Aug 16, 2013 10:02 am

Ok all, thanks to the great info here I am ready to apply for a few cards. My last question on this before going forward, is there any particular day better to apply ? Specifically as this is now Friday should I wait until Monday in case any calls are needed etc ?

Thanks

WC


JSS3
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Postby JSS3 » Fri Aug 16, 2013 10:53 am

I applied for a Citi card a little over an hour ago and was approved.

I don't pay attention to the day. I apply after my info has been updated to the credit bureaus so the banks get newer scores/credit limits. You also want to apply 6 months after your last application or do a spree all in one day.
(1/13) Fingerhut - $1,100
(2/13) Capital One Quicksilver- $3,500
(3/13) Capital One Quicksilver One- $750 ($19 AF)
(8/13) Discover IT- $2,000
(8/13) Citi Dividend- $1,200
(8/13) Chase Slate- $2,500
(9/13) Chase Amazon Visa Sig - $4,000
(9/13) Victoria Secret- $750
(9/13) Paypal Extras Mastercard- $3,000
(9/13)] MyPoints Visa- $1,500
(10/13)Walmart Discover- 3,000

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djrez4
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Postby djrez4 » Fri Aug 16, 2013 2:16 pm

I like Tuesdays, personally.

It really doesn't matter. You can call in later today, if needed. Some departments are open Saturdays.
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RewardHop
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Postby RewardHop » Fri Aug 16, 2013 10:27 pm

JSS3 wrote:I don't pay attention to the day. I apply after my info has been updated to the credit bureaus so the banks get newer scores/credit limits.


+1
You can also try and pay down your balances before the statement cycle (where your bill gets printed) so you appear to have lower utilization (after your credit report updates) which may help you when applying for a CC.
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Bank of America Better Balance Rewards MC: $25/quarter bonus
Barclaycard Rewards Visa Signature: 2% gas, groceries, utilities
Capital One Quicksilver Visa Signature: 1.5% everything
Chase Freedom Visa Signature: 5% rotating
Citi Forward Visa: 5% restaurants/fastfood, movie theaters, amazon.com
Discover It: 5% rotating
SallieMae MC: 5% Groceries, Gas, Amazon
US Bank Cash+ Visa Signature: 5% electronic stores, restaurants
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takeshi
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Postby takeshi » Sat Aug 17, 2013 8:50 am

Best day would mostly depend on how stuff updates on your reports and whether you're looking to apply before your reports update or after.

JSS3
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Postby JSS3 » Sat Aug 17, 2013 10:38 am

Is it correct to assume that if (for example) Capital One reports it on the 17th that the credit bureaus received it on that day AND if you went and applied for a new card on the 18th, the bank received your updated scores?

Are people going on the date they know their CCC reports or when a site like Credit Karma gives you your updated scores?
(1/13) Fingerhut - $1,100
(2/13) Capital One Quicksilver- $3,500
(3/13) Capital One Quicksilver One- $750 ($19 AF)
(8/13) Discover IT- $2,000
(8/13) Citi Dividend- $1,200
(8/13) Chase Slate- $2,500
(9/13) Chase Amazon Visa Sig - $4,000
(9/13) Victoria Secret- $750
(9/13) Paypal Extras Mastercard- $3,000
(9/13)] MyPoints Visa- $1,500
(10/13)Walmart Discover- 3,000



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