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Instnt apprvl time of day to apply?

Discussion in 'Credit Talk' started by flaman, May 6, 2003.

  1. May 6, 2003 #1
    flaman

    flaman Well-Known Member

    Is it better during day or evening hours?

    I have applied during day in past for multiple cards but have heard evening is better for score based decisions...??

    Any sugestions will be helpful
     
  3. May 6, 2003 #2
    exotic

    exotic Well-Known Member


    DUNNOO =)
     
  4. May 6, 2003 #3
    aaron24

    aaron24 Well-Known Member

    It depends what kind of mood Mr. Fico is in. :)
     
  5. May 6, 2003 #4
    Sheepshead

    Sheepshead Well-Known Member

    I think it's an interesting question, but for reasons other than FICO.

    If you're declined based on your FICO score, some companies will allow you to speak with an underwriter soon after the online denial to discuss. Sometimes this helps put a human face on your app and your decline could be reversed. So...the real question is, which underwriters are better to speak with - those who work during the day (often the most experienced) or those who work in the evening (possibly newbies or near-newbies). In other words, which of the two classifications would you be better off pleading your case with?
     
  6. May 6, 2003 #5
    GEORGE

    GEORGE Well-Known Member

    I have had the BEST LUCK between 6am and 9pm...

    I "THINK" THEY SHUT EVERYTHING DOWN, OR ARE UPDATING BETWEEN 9pm AND 6am...

    And I have NOT had very good luck on SATURDAY or SUNDAY...

    ...BUT THEN----->UYGF
     

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