Care Credit?

[compassion101]

what kind of terms do they generally offer? Do they have 0% promo?

[Creditaddict]

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@compassion101 wrote:

what kind of terms do they generally offer? Do they have 0% promo?

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0% for 6, 12, 18, 24, 36 depending on location... you have to ask what they offer because they have to pay for it!

[ptilda]

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@Creditaddict wrote:

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@FinStar wrote:

It all depends on your overall CR profile amongst a few factors.  It is possible that you could get marginally approved and not for the highest CL as expected, thereby making it counterproductive - unless as Creditaddict mentioned, whether they would be willing to extend any additional CL from the get-go... YEMV.

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yes don't miss the part that my partners CL was $800 when he did the CLI... he was instantly approved for $500 originally and then at 24 hours was able to go to $800 but still GASPING terrible CL for him but fast forward the 4+ months and clearly there computer came around to realize how terrible too because then was able to go all the way up to $12,500.

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Did you ask again, or did they auto CLI?

[FinStar]

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@Creditaddict wrote:

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@FinStar wrote:

It all depends on your overall CR profile amongst a few factors.  It is possible that you could get marginally approved and not for the highest CL as expected, thereby making it counterproductive - unless as Creditaddict mentioned, whether they would be willing to extend any additional CL from the get-go... YEMV.

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yes don't miss the part that my partners CL was $800 when he did the CLI... he was instantly approved for $500 originally and then at 24 hours was able to go to $800 but still GASPING terrible CL for him but fast forward the 4+ months and clearly there computer came around to realize how terrible too because then was able to go all the way up to $12,500.

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I agree, but let's keep one thing in perspective, the OP's profile is nowhere near your partner's profile.  While the initial CL was low and perplexing, you were able to leverage a higher CL within a few months.  I'm more realistic with the outcome than the possibility, but I doubt the OP would be able to get anything comparable based on the given profile, just my .02c.

[djc1puno]

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@Creditaddict wrote:

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@FinStar wrote:

It all depends on your overall CR profile amongst a few factors.  It is possible that you could get marginally approved and not for the highest CL as expected, thereby making it counterproductive - unless as Creditaddict mentioned, whether they would be willing to extend any additional CL from the get-go... YEMV.

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yes don't miss the part that my partners CL was $800 when he did the CLI... he was instantly approved for $500 originally and then at 24 hours was able to go to $800 but still GASPING terrible CL for him but fast forward the 4+ months and clearly there computer came around to realize how terrible too because then was able to go all the way up to $12,500.

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what was your partners credit profile when he apped?

[Creditaddict]

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@djc1puno wrote:

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@Creditaddict wrote:

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@FinStar wrote:

It all depends on your overall CR profile amongst a few factors.  It is possible that you could get marginally approved and not for the highest CL as expected, thereby making it counterproductive - unless as Creditaddict mentioned, whether they would be willing to extend any additional CL from the get-go... YEMV.

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yes don't miss the part that my partners CL was $800 when he did the CLI... he was instantly approved for $500 originally and then at 24 hours was able to go to $800 but still GASPING terrible CL for him but fast forward the 4+ months and clearly there computer came around to realize how terrible too because then was able to go all the way up to $12,500.

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what was your partners credit profile when he apped?

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700's but quite a number of newer accounts and some higher balances. GE is just one of those weird ones... and CareCredit is still 100% computer run... no credit analyst, no credit solutions to try to get more... computer!

[FinStar]

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@Creditaddict wrote:

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@djc1puno wrote:

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@Creditaddict wrote:

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@FinStar wrote:

It all depends on your overall CR profile amongst a few factors.  It is possible that you could get marginally approved and not for the highest CL as expected, thereby making it counterproductive - unless as Creditaddict mentioned, whether they would be willing to extend any additional CL from the get-go... YEMV.

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yes don't miss the part that my partners CL was $800 when he did the CLI... he was instantly approved for $500 originally and then at 24 hours was able to go to $800 but still GASPING terrible CL for him but fast forward the 4+ months and clearly there computer came around to realize how terrible too because then was able to go all the way up to $12,500.

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what was your partners credit profile when he apped?

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700's but quite a number of newer accounts and some higher balances. GE is just one of those weird ones... and CareCredit is still 100% computer run... no credit analyst, no credit solutions to try to get more... computer!

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Yes, computer algorithms are harder to convince.