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Frequent Contributor
Posts: 358
Registered: ‎04-17-2008
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Care Credit?

Has anyone applied for a Care Credit line of credit recently? If so what was the outcome & scores if you don't mind? Also, know which CR the pull?

 

 

Thanks,

Brandy

Senior Contributor
Posts: 4,329
Registered: ‎09-06-2008
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Re: Care Credit?

i applied near the beginning of october.  see my scores below.  they pulled EQ.  i live in texas.
Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Regular Contributor
Posts: 116
Registered: ‎10-28-2008
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Re: Care Credit?


laz98 wrote:
i applied near the beginning of october.  see my scores below.  they pulled EQ.  i live in texas.
were you approved ? if so CL?

 

12-08 TU 654 EQ 630 EX 628

12-08 TU 640 new accounts

1-31-09 EQ 644 15% util !!!
2-10-09 EX 663 15% util !!!
Senior Contributor
Posts: 4,329
Registered: ‎09-06-2008
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Re: Care Credit?

ha ha, yes, i forgot to say i was approved.  $5K.  asked for $7K.
Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Regular Contributor
Posts: 116
Registered: ‎10-28-2008
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Re: Care Credit?

cool beans!!! I want to apply with them for a procedure I need  but dont want to be denied & waste an inquiry, as I will be needing a decent CL like yours, I hear the approval rate is higher if the doctor calls for you or should I apply myself via their website, or do you think it matters?
12-08 TU 654 EQ 630 EX 628

12-08 TU 640 new accounts

1-31-09 EQ 644 15% util !!!
2-10-09 EX 663 15% util !!!
Senior Contributor
Posts: 4,329
Registered: ‎09-06-2008
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Re: Care Credit?

i applied online, myself.

 

i have heard that if the procedure will exceed your CL, the doctor can call & request that they give you a higher CL, & that it typically gets approved (within reason, i'm sure).  YMMV.

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Regular Contributor
Posts: 116
Registered: ‎10-28-2008
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Re: Care Credit?

Thanks so much Laz really appreciate all the advice I want to apply so bad my EQ  is 636 I just want to have all of my ducks in a row I guess.... i was denied a year ago  due to high util. I think, but also had a few baddies which a couple are still there but its looking better for me since opening a couple new TL's and recent positive payment history but Im still a little nervous is your report clean?
12-08 TU 654 EQ 630 EX 628

12-08 TU 640 new accounts

1-31-09 EQ 644 15% util !!!
2-10-09 EX 663 15% util !!!
Senior Contributor
Posts: 4,329
Registered: ‎09-06-2008
0 Kudos

Re: Care Credit?

well, your score is better than mine...i don't know how recent your baddies are, though.

 

no, my report is not clean.  i have a charged-off loan for about $2200, a $500 verizon charge-off, & the CA who is trying to collect the verizon charge-off all reporting on my EQ.  all from 2004.

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Established Contributor
Posts: 662
Registered: ‎09-07-2007
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Re: Care Credit?

I was instantly approved for a $3500 CL a couple of Months ago. right after the page where they show your CL it says if  you need a higher limit you must call within 24 hours.
Advice is what we ask for when we already know the answer but wish we didn't.
Senior Contributor
Posts: 4,329
Registered: ‎09-06-2008
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Re: Care Credit?


l9ikjam wrote:
I was instantly approved for a $3500 CL a couple of Months ago. right after the page where they show your CL it says if  you need a higher limit you must call within 24 hours.

interesting.  i had to call & find out my CL.

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.

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