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Valued Contributor
Posts: 1,283
Registered: ‎03-01-2016

Care Credit CLI

been several months since I received a CLI from Care Credit. Hopped on chat to see if I could get a little more with some dental work coming up.

Originally I had gone from $800 to $7,000. Asked for an increase to 15k, they countered with 12k and I took it.

In 11 months this has gone from the 800 to 12k with two SPs. not bad at all

State Farm Rewards (3,000) ~ Marvel MC (5,000) ~ PenFed Power Cash (5,000) ~ PenFed Promise (6,000) ~ PenFed OLOC (500) ~ Discover ($1,000) ~ Citi DC (1,700) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (1,700) ~ NFCU CLOC (15,000) ~ QuickSilver Visa (10,300) ~ DCU Visa (5,000) ~ Chase Freedom Unlimited (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG Business (3,000) ~ Care Credit (12,000)
Current Scores (7/8/17): 673 Transunion, 616 Equifax, 651 Experian
Super Contributor
Posts: 9,557
Registered: ‎04-23-2016

Re: Care Credit CLI

Careful Tigers, you may become the posterchild for how to grow a Care Credit with (sp)ecial kind of luv lolSmiley Wink

Nicely done!
Senior Contributor
Posts: 3,555
Registered: ‎05-25-2016
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Re: Care Credit CLI

Nice CLI congrats , what kind of usage does your cc have ? I have Ben approved for 4k SL but need around 8k they would not immediately approve my CLI request , I want to wait until I get a better CL bf I use it and I unfortunately live in a city with no RiteAids around me😕
Regular Contributor
Posts: 123
Registered: ‎12-07-2015
0 Kudos

Re: Care Credit CLI


Tigers09 wrote:

been several months since I received a CLI from Care Credit. Hopped on chat to see if I could get a little more with some dental work coming up.

Originally I had gone from $800 to $7,000. Asked for an increase to 15k, they countered with 12k and I took it.

In 11 months this has gone from the 800 to 12k with two SPs. not bad at all


Be careful on how you ask for CareCredit CLI. Since they pull from transunion. If I don't mind asking. How did you submit your request?

By chat or by phone?

NORDSTROM- 6K, NEIMAN MARCUS 20K, PENFED PLAT 5K, PENFED AMEX 5K, CAP ONE QS 4K, CAP ONE PLAT 1.1K, CARECREDIT 6K.

IN GARDEN SINCE 9/1/2016
Valued Contributor
Posts: 1,283
Registered: ‎03-01-2016
0 Kudos

Re: Care Credit CLI

I've gotten both CLIs through chat; both have been SP.
I put an orthodontic bill on it for enough to have a promotional period and paid it down in 6 months.
Not very heavy usage; went right under 1k on it with the first CLI
State Farm Rewards (3,000) ~ Marvel MC (5,000) ~ PenFed Power Cash (5,000) ~ PenFed Promise (6,000) ~ PenFed OLOC (500) ~ Discover ($1,000) ~ Citi DC (1,700) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (1,700) ~ NFCU CLOC (15,000) ~ QuickSilver Visa (10,300) ~ DCU Visa (5,000) ~ Chase Freedom Unlimited (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG Business (3,000) ~ Care Credit (12,000)
Current Scores (7/8/17): 673 Transunion, 616 Equifax, 651 Experian
Senior Contributor
Posts: 3,555
Registered: ‎05-25-2016

Re: Care Credit CLI

Thanks for the info
Senior Contributor
Posts: 3,555
Registered: ‎05-25-2016

Re: Care Credit CLI

Spintech sorry I don't understand your comment , they always pull TU , what are you saying to be careful about ? The fact it could be a HP ?
Regular Contributor
Posts: 123
Registered: ‎12-07-2015

Re: Care Credit CLI


Aduke1122 wrote:
Spintech sorry I don't understand your comment , they always pull TU , what are you saying to be careful about ? The fact it could be a HP ?


 

 

Yes, that it can be a HP. Just like everyone else is saying on here is to look at your monthly report to see if carecredit does pull an HP.

 

My last CLI increase from them they didn't pull. Just hoping the same outcome as I requested by chat.

NORDSTROM- 6K, NEIMAN MARCUS 20K, PENFED PLAT 5K, PENFED AMEX 5K, CAP ONE QS 4K, CAP ONE PLAT 1.1K, CARECREDIT 6K.

IN GARDEN SINCE 9/1/2016
Regular Contributor
Posts: 112
Registered: ‎01-10-2017
0 Kudos

Re: Care Credit CLI

so they usually pull Trans Union? i need to do increase too but worried it would be a hard pull and do not want the inquiries? Also how long ago was your most recent CLI? i just got cli last november i think and wonder if too soon to do another

Valued Contributor
Posts: 1,283
Registered: ‎03-01-2016
0 Kudos

Re: Care Credit CLI

fritscher, they will tell you they can't guarantee it will be a SP, but I've seen more and more people getting SP with Care Credit lately. I would think you'd be ok getting one in November. My jump to 7k then 12k were only a couple of months apart. and yes, they look at TU data
State Farm Rewards (3,000) ~ Marvel MC (5,000) ~ PenFed Power Cash (5,000) ~ PenFed Promise (6,000) ~ PenFed OLOC (500) ~ Discover ($1,000) ~ Citi DC (1,700) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (1,700) ~ NFCU CLOC (15,000) ~ QuickSilver Visa (10,300) ~ DCU Visa (5,000) ~ Chase Freedom Unlimited (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG Business (3,000) ~ Care Credit (12,000)
Current Scores (7/8/17): 673 Transunion, 616 Equifax, 651 Experian

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