What would be the difference 2:37AM or 2:37PM ?
2:37am might imply impulsive, irresponsible behavior, add 3bm to that and they get a shady picture...just speculating
Or the guy works late or has the night shift.
Also possibility..I'm just suggesting it as an added potential flag if you already have a suspicious application(s)
People don't seem to have much better luck in the morning or afternoon either. What's on the CR matters more to them.
It's mostly the system. If it comes down to recon, the last question they're asking you is why you applied at 2:37 AM. Why you need ten cards is a much more likely question.
Isn't the point of the 3bm to get approved for more, so if they get a shady pic why would they approve?
I have read that cc companies monitor your behavior a lot more than you think,
That's exactly my point, if your doing a 3bm, maybe don't apply at 2:37am
I don't think they would actually ask you, but you never know what factors could influence final decision when they consider the whole picture
I highly doubt that the time of day of application has any bearings on final decision. The same way a strange business name has no affect. These are too circumstantial.
Well wait until I get into the recon department...
And you will approve us all
I've never had a problem any hour of the day
Lucky you.
Ive had problems for other reasons which is normal, but never for time of day