01-30-2012 07:28 AM
01-30-2012 07:31 AM
initially was approved for $1000 with a score of 590.... it's at $3000 now (got 2 increases in 1 month)
01-30-2012 08:11 AM
How did you increase your score by so many points if you dont mind me asking? It shows it went from 579 to 683 also were the CLI auto or did you call?
i assume you're talking about me? At the time where i had a upper 500 score i had close to 90% utilization... paid it down to around 20% now...
Both times i tried the automated system and was transferred to a CSR who put it through for me.
01-30-2012 01:24 PM
I applied today because I need some dental work... I was approved for $1000 line instantly. I'm a 650 score with a BK in 2009
01-30-2012 01:32 PM
I'm new to this forum but I was wondering if I apply for Care Credit will they approve me? My EX score is 678 I have 24% overall utilization 3 years with credit experience, a lot of inq about 11 due to a car loan and 1 baddy a CA paid in full ,trying to get Premier Bank to removed. I seriously need to get lasik and was wondering anyone's experience with this card. Thanks
Are you a member of a CU (Credit Union)? If so, then see if they can help with your situation, they usually have cards with much lower interest reates but no rewards. They might even allow you to get a personal loan, I believe that most CU's have thier rate at or around 15% which is much less then CareCredits APR.
Good luck with what ever you do, just make sure you don't miss any payments.
01-30-2012 01:39 PM
True. But CareCredit gives you 18 months no interest on dental work. Also got 12 months no interest on a surgery for one of my pets. Haven't paid a dime of interest to them because I've paid both off well before the promo period was over.
| EQ 763 |
| Amex BCE 7500 | Marriott Rewards Premier 5500 | Citi Simplicity 4000 | Discover IT 1700 |
01-30-2012 01:46 PM - edited 01-30-2012 01:50 PM
I agree if you use the interest free financing to your advantage this card is benificial.
* No Interest if Paid in Full Within 6, 12, 18 or 24 Months
On Purchases made with your CareCredit credit card. Not all promotional plans are available at all Participating Professionals. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period or if you make a late payment. Minimum Monthly Payments Required and may pay off purchase before end of promo period. Offer applies only to single-receipt qualifying purchases made on your CareCredit credit card account. Not all promotional plans are available at all participating professionals. A minimum purchase amount may be required for promotional plans longer than 6 months. No interest will be assessed on the promotional purchase if you pay the promotional purchase amount in full within the promotional period which may be 6, 12, 18 or 24 months. If you do not, interest will be assessed on the promotional purchase from the purchase date. However, if account becomes 60 days past due, promotion may be terminated early, accrued interest will be billed, and regular account terms will apply. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional balance. For new accounts: Purchase APR is 26.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.
01-30-2012 01:50 PM
Also, if you spend more than $1000 you can get a fixed 14.99% for 24,36, or 48 months, Over $2500 you can get 14.99% for 60. Not great rates, but better than a lot of unsecured loans and credit cards out there.
On Purchases made with your CareCredit credit card. Fixed monthly payment amount based on repayment over 24, 36, 48 or 60 month period. Purchases of $1000 or more are eligible for a 24, 36 or 48 month offer and purchases of $2500 or more are eligible for a 60 month offer. Not all promotional plans are available at all Participating Professionals. Offer applies only to single-receipt qualifying purchases made on your CareCredit credit card account. Not all promotional plans are available at all participating professionals. Purchases of $1,000 or more are eligible for a 24, 36 or 48 month offer and purchases of $2,500 or more are eligible for a 60 month offer. Interest will be assessed on promo purchases from the purchase date at a reduced 14.90% APR, and fixed monthly payments are required and will be calculated as follows: on 24 month promotions 4.8439% of initial promotional purchase amount; on 36 month promotions 3.4616% of initial promotional purchase amount; on 48 month promotions 2.7780% of initial purchase amount; and on 60 month promotions 2.3737% of initial promotional purchase amount. However, if account becomes 60 days past due, promo may be terminated early and regular account terms will apply. The fixed monthly payment may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases. For new accounts: Purchase APR is 26.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.
01-30-2012 01:58 PM
i got 8 months no interest for purchasing glasses >_<
you have to make sure and pay within that time frame though, don't want to get hit with all that backed up interest!
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.