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So, I am going to to my Cigna DHMO for regular work and going to get some cosmetic dental work done, veeners, gum work, whitening, etc. Looked it up and could run about $5-7K out of pocket, So went online and did the credit care application and asked for $15K and they gave me $15,600 instantly and a temp card.
I asked for double roughly based on high amount so I wouldn't be at a 100% util and thinking I could use one of my other cards which have high limites and split it out.
I also read to call in between 24-48hrs and ask for a higher limit and they use the same pull, otherwise after that, it is a HP.
Any thoughts?
i called to get a cli within the first 24-48 and it was a no go for me, i put the procedure as 20k and i received 3k so i guess it depends on your profile. i was gonna do the same as you put some on care credit and pay cash or cc the other balace i want to get some dental work done crowns/venners would hate to get it dont in installments i wanted to to a one shot deal who wants to be in the dentist chair all the time. if your procedure is on the high end 7K maybe you can charge 4-5k and pay cash or other cc the difference to keep your utilization down. fyi i beleive you can also use the online chat feauture for cli
Nice limit for Care Credit, should of obviously asked for more if they approved you for more than you asked for lol for utilization and pay it off over 2 years interest free or whatever they offer.. Going to be getting some sizeabe dental work done as well soon this is why I got care credit, but want a bit more of a bufer so waiting another month for card to be 4 months old and hopefully get a HP CLI so utilization is in check for my procedures.. Can't beat 0% financing for 24 months or whatever it might be. Very useful card.
personally yes I would be calling them and asking for more.. If you do it within the first 24-48 hours they will use the same HP.. It appears you left money on the table.
Yeah, I asked for $15K and it gave me $15.6K, no idea where that came from.
I just applied and got approved around 1pm EST today, Sunday, so will wait till 24hr for it to show up on my Synchrony account profile and then call in and do the automated request, prob going to ask for $25K and see if they counter with anything.
Yes, I agree, I want it all done in one shot, I don't want to keep going back to the dentist for 6 months worth of appts, so I will know this week, prob will still take a week or so, but ready since my schedule at work is light this month.
I would call and speak with a live person tomorrow and recon the limit vs. the automated system so they use the same HP, that is what I did.. You got more than myself, thus I am waiting another month and have a few other high limit cards report and ask for 20k and hopefully get 15-17k up from my 10k now that was approved 3 months ago.. Guessing my stuff is going to be 6k-9k.. I plan on taking a week of of work to have it all done along with healing etc. Still alot of research I need to do regarding my procedure/procedures and whom I am going to use etc.. Just getting prepared. Deffinetly not looking forward to it one minute .
@CreditCuriousity wrote:I would call and speak with a live person tomorrow and recon the limit vs. the automated system so they use the same HP, that is what I did.. You got more than myself, thus I am waiting another month and have a few other high limit cards report and ask for 20k and hopefully get 15-17k up from my 10k now that was approved 3 months ago.. Guessing my stuff is going to be 6k-9k.. I plan on taking a week of of work to have it all done along with healing etc. Still alot of research I need to do regarding my procedure/procedures and whom I am going to use etc.. Just getting prepared. Deffinetly not looking forward to it one minute .
Yepper, plan to do just that, thought I would wait 24hrs for it to show up in my other Synch account, unless for some reason I have to create a diff login, which I hope not. So, a bit after lunch I will check to see if it is there and if not, call in to see I need to make a separate login in for it or if they can add. Then I will call the auto number and try for the increase!
I have to no teeth to pull, but need to have scaling and plaque removed, I can tell me gums are a little red as well. Then even out some teeth and such and get veeners to make them even and white.
CONGRATS! Love care credit especially for dental!! we have the same limit!
call in right away in the morning. when that annoying automated woman starts blabbing, ignore her. shes gonna try to tell you all about your account and talk until your ears fall off.
start dialing 0#0#0#0# repeatedly until she says ok lets try this another way, then it asks for social, repeat with the 0#0#0#0# then she says by phone, repeat the 0#0# then it will transfer you to a person.
Trust me, I have timed this both ways, it is much faster to a person this way.
I'm not aware of a number for care credit. But I am pretty sure if you call in the day you get approved, just ask for 25k and it will not be a HP, they will counter.
Since they gave you what you asked for you will get more.
@Anonymous wrote:CONGRATS! Love care credit especially for dental!! we have the same limit!
call in right away in the morning. when that annoying automated woman starts blabbing, ignore her. shes gonna try to tell you all about your account and talk until your ears fall off.
start dialing 0#0#0#0# repeatedly until she says ok lets try this another way, then it asks for social, repeat with the 0#0#0#0# then she says by phone, repeat the 0#0# then it will transfer you to a person.
Trust me, I have timed this both ways, it is much faster to a person this way.
I'm not aware of a number for care credit. But I am pretty sure if you call in the day you get approved, just ask for 25k and it will not be a HP, they will counter.
Since they gave you what you asked for you will get more.
^+1 to what he said.
@CreditCuriousity wrote:
@Anonymous wrote:CONGRATS! Love care credit especially for dental!! we have the same limit!
call in right away in the morning. when that annoying automated woman starts blabbing, ignore her. shes gonna try to tell you all about your account and talk until your ears fall off.
start dialing 0#0#0#0# repeatedly until she says ok lets try this another way, then it asks for social, repeat with the 0#0#0#0# then she says by phone, repeat the 0#0# then it will transfer you to a person.
Trust me, I have timed this both ways, it is much faster to a person this way.
I'm not aware of a number for care credit. But I am pretty sure if you call in the day you get approved, just ask for 25k and it will not be a HP, they will counter.
Since they gave you what you asked for you will get more.
^+1 to what he said.
Woke up this morning and I logged into my Synchrony account and it popped up saying it was available to add to my account profile and so did that and the paperless billing and such. Soon as I get a quite moment, prob right after lunch, I will do the method described above and call in! I will report back! Fingers crossed!
I only got approved for 500 and i called and ask for 5000 so i could get laser eye surgery done and they said thats all they could give me right now. I been rebuilding my credit and this is my first syncb card. Hopefully it will grow overtime. I can still use it at my ear doctor.