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Got approved for 3500.00 tried for 5000.00 -What are the chances for a CLI ?
Scores: Pulled Experian
Experian-705
Equifax-652
TU-568(stubborn TU, TU hates me!)
@Anonymous wrote:Got approved for 3500.00 tried for 5000.00 -What are the chances for a CLI ?
Scores: Pulled Experian
Experian-705
Equifax-652
TU-568(stubborn TU, TU hates me!)
If it were me I'd wait about 6 months to ask for a CLI since the account is brand new.
From a BK years ago to:
8/09 TU-765 EQ- 783
9/09 EX pulled by lender 802
3/10 EQ- 800
You can do the same thing with hard work
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DH was approved for 8,000; called and asked for CLI upon activation; received $11,500. Not a hard pull.
However, it looks like you already asked for a higher CL than they gave you. GE cards typically like at least 4 statements to cut before/between CLI's- I'm not sure if Care Credit follows that pattern.
And, as I always add, they report as a consumer finance company on DH's mortgage pull and on his CCT.
One of the problems, which you might be concerned with, is that consumer finance companies may tend to give you a CL close to the amount you are needing to finance. That can put you at or near 100% utilization on that card, which can cause some FICO score damage. The most we've put on DH's 11,500 CL is 4,000; and we paid that down to 2500 immediately. (That was a huge stress on our fairly tight budget). We just didn't want to scare our other creditors with a score dip.
I hope that's somewhat helpful. Best of luck to you!