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Care Credit Approved!!

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StartingLifeOver
Regular Contributor

Care Credit Approved!!

Instantly approved online for Care Credit acct. I asked for $9K and they countered with $7600! There is definitely life after BK!! I was sweating bullets while the screen was processing! So question, do I still call in during the 48 hour window and try to get this limit increased? I only need about $6K for my procedure but I don't want to be killed with the util. I'm open to suggestions.

Thanks!
NFCU Cash Rewards $16,100/FNBO Platinum $9.100/Best Buy Citibank $2,500/Care Credit $7,600/TJ Maxx $1000/Neiman Marcus $7000/Saks5thAve $2500

Starting Score: 426 Ch. 13 BK Filed Sep 2009; Discharged Jan 2013 Smiley Happy
Current Score: TU 706 EQ FICO 701 EX 704
Goal Score: 720

Message 1 of 10
9 REPLIES 9
09Lexie
Moderator Emerita

Re: Care Credit Approved!!

Message 2 of 10
myjourney
Super Contributor

Re: Care Credit Approved!!

Congrats 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 3 of 10
djc1puno
Valued Contributor

Re: Care Credit Approved!!

congrats! Smiley Happy



GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Message 4 of 10
MsLadyRover
Valued Contributor

Re: Care Credit Approved!!

Congrats!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Message 5 of 10
KIPPIE12
Established Contributor

Re: Care Credit Approved!!


@StartingLifeOver wrote:
Instantly approved online for Care Credit acct. I asked for $9K and they countered with $7600! There is definitely life after BK!! I was sweating bullets while the screen was processing! So question, do I still call in during the 48 hour window and try to get this limit increased? I only need about $6K for my procedure but I don't want to be killed with the util. I'm open to suggestions.

Thanks!

Yes, i would. Not sure if you would take another HP or not, i would ask. Maybe they can go off the same report they approved you. I think you want to call Credit Solutions. There's the backdoor stickie for the number. Just explain that to them. Good luck!

Current Score: EQ: 828, EX: 833, TU: 820 Citi TY Premier WEMC 46.5, (Since 1983)Discover 15.6k|BOA WMC 30.5k|Barclays Juniper Rewards 15k|Barclays Amex 20k| Cap One QS WMC 15K|Chase Freedom VS 19.3k|Citi Dividend WEMC 25k|FNBO 15.5k|CSP 22.1K|Chase Marriott 31.3k|Citi TYP 20K|Citi DP 16.5k|Macys 5k|Sams MasterCard 15k|Barclay Arrival Plus WEMC 18.7k|Chase IHG WMC 26k|Citi Double Cash 10k|Chase MileagePlus Explorer 14k|Amex Everyday 16.2|BBVA Amex 22.5k|Total Rewards VS 12.5k|SGV 10K|Venture 12k|BOA Virgin Atlantic WEMC 11.2K|MB Amex 9.5k
Message 6 of 10
JonStur
Established Contributor

Re: Care Credit Approved!!

Good for you!!!!


Starting Score: TU 595 EX 600 EQ 585
Current Score: TU 820 EX 825 EQ 812
Goal Score: 800 Club (Mission Accomplished)

Amex Platinum, Amex BCP $17.5K, 5/3 Sig $10K, Capital One Quicksilver 15K, Walmart 10K, US Bank Cash+ 15K, Sam's Club 10K, Chase Freedom $6K, Discover More $15K, Chase United Club MileagePlus $33K, Costco $6K, CapOne Quicksilver One $7K, Cap One Quicksilver $5K, Amazon $3K, Barclays $12.5K, Home Depot $7.5K, AppleCard $6K
Message 7 of 10
Epcot
Valued Contributor

Re: Care Credit Approved!!

Nice, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841
Message 8 of 10
StartingLifeOver
Regular Contributor

Re: Care Credit Approved!!


@KIPPIE12 wrote:

@StartingLifeOver wrote:
Instantly approved online for Care Credit acct. I asked for $9K and they countered with $7600! There is definitely life after BK!! I was sweating bullets while the screen was processing! So question, do I still call in during the 48 hour window and try to get this limit increased? I only need about $6K for my procedure but I don't want to be killed with the util. I'm open to suggestions.

Thanks!

Yes, i would. Not sure if you would take another HP or not, i would ask. Maybe they can go off the same report they approved you. I think you want to call Credit Solutions. There's the backdoor stickie for the number. Just explain that to them. Good luck!


Thank you everyone!  From what I've read off the forums, it should be an SP but who knows for sure, right? Smiley Happy The approval page says I can contact the automated 24 hour system to request an increase so I'll give that a try on Saturday.  How much should I ask for?

NFCU Cash Rewards $16,100/FNBO Platinum $9.100/Best Buy Citibank $2,500/Care Credit $7,600/TJ Maxx $1000/Neiman Marcus $7000/Saks5thAve $2500

Starting Score: 426 Ch. 13 BK Filed Sep 2009; Discharged Jan 2013 Smiley Happy
Current Score: TU 706 EQ FICO 701 EX 704
Goal Score: 720

Message 9 of 10
LS2982
Mega Contributor

Re: Care Credit Approved!!


@StartingLifeOver wrote:
Instantly approved online for Care Credit acct. I asked for $9K and they countered with $7600! There is definitely life after BK!! I was sweating bullets while the screen was processing! So question, do I still call in during the 48 hour window and try to get this limit increased? I only need about $6K for my procedure but I don't want to be killed with the util. I'm open to suggestions.

Thanks!

CONGRATS!!! Smiley Happy

 

Really sucks this is pretty much the only GE card that is HP CLI's. 




EQ FICO 548 3/3/16
Message 10 of 10
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