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Re: Care Credit?

Anyone get Care Credit with high util but great history with GEMB? Also, one open account no lates with GEMB currently? Scores around 650 +.  This is for my DH.

Starting Score: 615
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Re: Care Credit?

High Utilization may be the reason I put off apping for this for awhile. Right now it's at about 27%  since I put my car loan onto three 0% credit cards a couple of months ago.

 

My relationship with GEMB is good though...my oldest card is my JCP card that is 17 yrs old now. Never any overlimits and no derogs at all since the BK 8 yrs ago.  

 

Since my daughters surgery will be pretty expensive maybe I'll wait until I have my utilization down a bit.

 

happy, let us know if your DH apps for this and what CL he gets. What is his util?

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Re: Care Credit?

Ok....well util is pretty high but about 50% with his current GEMB and all other GEMB paid in full. But, it is still ultimately up to him.  He always says "go ahead, app", he has never been on myfico.com, but I am weary because of I have.  Ok...i'll ask him tonight and hopefully I will app tomorrow!!

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Re: Care Credit?

Haven't applied yet...tomorrow or Friday! But, I wanted to get your opinion

 

EQ-657-29% Util....

 

Is it a yes or no?


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Re: Care Credit?


happy0510 wrote:

Haven't applied yet...tomorrow or Friday! But, I wanted to get your opinion

 

EQ-657-29% Util....

 

Is it a yes or no?


 

ideally i'd get the one card well below 50% b4 app. for best result.
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EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
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Established Contributor
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Re: Care Credit?

[ Edited ]

Update:

 

Applied for Care Credit - Instant DenialSmiley Sad

 

Applied for Chase Health Advance - Instant Approval Smiley Happy 9K

 

 

Message Edited by happy0510 on 08-06-2009 01:19 PM

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Re: Care Credit?

[ Edited ]

Who did they pull?

 

What's your CR & FICO stats?

 

I got denied by CareCredit too.

 

Did you have a participating Doctor?  I looked at their site and it seems you have to have the Health Provider ID to apply.

 

 

Message Edited by Angel73 on 08-06-2009 01:30 PM
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Re: Care Credit?

They pull EX. Care Credit Pulled EQ.

 

I applied with Care Credit for 12K.  I was thinking maybe that was the problem? Not sure. Also, was thinking it would be worth a try to call them and try and get that one opened lower...don't know how terrible that would look though on the scores. 

 

Chase chose our limit. Yes, I got the provider ID#.  It was terrible cause I had just gotten a denial and now I had to call them and ask for an ID...and the Dr's office gets all the paperwork sent to them too! Ugh..thank goodness for the approval!

 

DH's EQ score is 657 with 29% util.  I can't check EX!!


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Re: Care Credit?

Maybe you could call Care Credit for recon?  Please let us know when you find out what their reasons were for denial.

 

Do you have any other Chase accounts?

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Re: Care Credit?

[ Edited ]

Hi Vee,

 

Right after you apply they give you your denial letter. So awkward really.  It even says "you will not receive a denial letter in the mail" It lists:

 

- Delinquency,adverse public record or collection (no PR or collections...few lates dating back 18 months)

- ratio of revolving account balances to revolving credit lines (29% util)

- number of accounts with recent activity (WTF?? this one I don't get...no IQ's in past 18 months. Only about 5  active accounts out of almost 30!!

- average age of accounts (5 years)

 

I was thinking of doing the recon but i'm concerned about the AAoA now...then there's the util...what's better? I don't know...

 

Sorry...yes we used to have an old Chase CC but we closed it.  No lates.  That's it! Nothing current with them!

Message Edited by happy0510 on 08-06-2009 03:46 PM

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Current Score: 709
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