Author Topic: Misc Credit Card Questions  (Read 1864662 times)

Offline meme

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Re: Misc Credit Card Questions
« Reply #1200 on: November 19, 2015, 10:16:31 PM »

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

Offline TimT

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Re: Misc Credit Card Questions
« Reply #1201 on: November 19, 2015, 10:17:30 PM »
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.

Offline meme

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Re: Misc Credit Card Questions
« Reply #1202 on: November 19, 2015, 10:19:35 PM »

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)

Offline yochiek93

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Re: Misc Credit Card Questions
« Reply #1203 on: November 19, 2015, 10:21:29 PM »
2:37am might imply impulsive, irresponsible behavior, add 3bm to that and they get a shady picture...just speculating
Isn't the point of the 3bm to get approved for more, so if they get a shady pic why would they approve?

Offline TimT

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Re: Misc Credit Card Questions
« Reply #1204 on: November 19, 2015, 10:23:05 PM »
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.

Offline yochiek93

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Re: Misc Credit Card Questions
« Reply #1205 on: November 19, 2015, 10:23:49 PM »
People don't seem to have much better luck in the morning or afternoon either. What's on the CR matters more to them.
+1

Offline meme

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Re: Misc Credit Card Questions
« Reply #1206 on: November 19, 2015, 11:22:30 PM »
And what's cutoff time as far as 3bm is concerned? 12am est?

Offline David Smith

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Re: Misc Credit Card Questions
« Reply #1207 on: November 19, 2015, 11:26:32 PM »
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.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline meme

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Re: Misc Credit Card Questions
« Reply #1208 on: November 19, 2015, 11:34:06 PM »

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.
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

Offline meme

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Re: Misc Credit Card Questions
« Reply #1209 on: November 19, 2015, 11:45:22 PM »

Isn't the point of the 3bm to get approved for more, so if they get a shady pic why would they approve?
That's exactly my point, if your doing a 3bm, maybe don't apply at 2:37am

Offline meme

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Re: Misc Credit Card Questions
« Reply #1210 on: November 19, 2015, 11:46:54 PM »

I have read that cc companies monitor your behavior a lot more than you think,
http://www.rd.com/advice/saving-money/credit-card-companies/
I have seen more extensive articles about this other places

Offline yochiek93

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Re: Misc Credit Card Questions
« Reply #1211 on: November 19, 2015, 11:49:43 PM »
That's exactly my point, if your doing a 3bm, maybe don't apply at 2:37am
I've never had a problem any hour of the day

Offline Sport

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Re: Misc Credit Card Questions
« Reply #1212 on: November 19, 2015, 11:49:54 PM »

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.

Offline meme

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Re: Misc Credit Card Questions
« Reply #1213 on: November 19, 2015, 11:53:12 PM »

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...

Offline yochiek93

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Re: Misc Credit Card Questions
« Reply #1214 on: November 20, 2015, 12:00:17 AM »
Well wait until I get into the recon department...
And you will approve us all

Offline meme

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Re: Misc Credit Card Questions
« Reply #1215 on: November 20, 2015, 12:06:10 AM »

Offline David Smith

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Re: Misc Credit Card Questions
« Reply #1216 on: November 20, 2015, 12:07:42 AM »
I've never had a problem any hour of the day
Lucky you.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline LoLo

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Re: Misc Credit Card Questions
« Reply #1217 on: November 20, 2015, 12:11:31 AM »
I've read reports that recon is easier in the morning, And personally this was also my experience, could be just a coincidence though.

Offline yochiek93

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Re: Misc Credit Card Questions
« Reply #1218 on: November 20, 2015, 12:12:47 AM »
Lucky you.
Ive had problems for other reasons which is normal, but never for time of day

Offline David Smith

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Re: Misc Credit Card Questions
« Reply #1219 on: November 20, 2015, 12:14:25 AM »
Ive had problems for other reasons which is normal, but never for time of day
Yup. Your post sounded like you were always approved right away....
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ