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theres a rumor going around that applying for a credit card or low late at night can help you get approved for more money and that is false there is no such thing as a midnight hack sadly there are no easy breezy workarounds to getting approved for credit I mean unless you count maintaining good credit habits and improving your score Brian here delivering an assist late night from DV Federal Credit Union what can help though is understand what lenders are looking at when you apply be it for a credit card an auto loan a mortgage or any other loan first things first youre looking at your credit your income in employment history and your debt to income ratio if youre applying for a loan and not a credit card depending on the loan type theyll also consider the value of your collateral thats what youre pledging to secure the load the size of any down payment the loan term you want and any liquid assets thats cash or other assets that can quickly be converted to cash my very best tip