Reply
Epic Contributor
Posts: 22,723
Registered: ‎10-23-2007
0

Carecredit... Apply or no??

[ Edited ]

So was sitting at the bar tonight joking with a friend about 48 months interest free for cosmetic surgery with care credit and he says get it for me... So I used his iphone and applied on the spot for 6k and it came back approved in like 1 second.

 

got me thinking that I need to apply for myself!

 

They pull EQ don't they... Obviously even though the front page says don't apply if you have bk, that's not true because he was approved.

 

I would like to get lasik and take my dog to vet.

 

should I or shouldn't I?! lol 

Message Edited by Creditaddict on 02-23-2009 07:53 PM
Fico Scores: EQ- 662 DCU., TU 704 Best Buy, EX 700 Chase (1/5/15)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
67 Cards and Counting :smileytongue:
Regular Contributor
Posts: 243
Registered: ‎11-29-2007
0

x

[ Edited ]

x

Epic Contributor
Posts: 22,723
Registered: ‎10-23-2007
0

Re: Carecredit... Apply or no??

omg with an almost 800 score you could probably ask for 25k!!
Fico Scores: EQ- 662 DCU., TU 704 Best Buy, EX 700 Chase (1/5/15)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
67 Cards and Counting :smileytongue:
Regular Contributor
Posts: 243
Registered: ‎11-29-2007
0

x

[ Edited ]

x

Valued Contributor
Posts: 1,148
Registered: ‎04-23-2008
0

Re: Carecredit... Apply or no??

From personal experience, I needed to have a couple of root canals but mostly my mother and sister needed some work done and I bit and applied for the carecredit and they approved me for 7900k on the spot and it was no problem. I paid it off rather quicky, used up about 7500 of it and it was 0 interest for 12 months at that time when I got it (2006) and still have it, not used for a long while but my wife is thinking about having some work done on her teeth and so we are going to use it again. Comes in handy, hope that helps you decide.

Common Abbreviations|FDCPA|FCRA
Take the FICO Fitness ChallengeStarting Score: TU:695 - EQ:719 - EX:630
Current Score: TU:712 - EQ:755 - EX:712
Goal Score: TU:800 - EQ:800 - EX:800


Epic Contributor
Posts: 22,723
Registered: ‎10-23-2007
0

Re: Carecredit... Apply or no??

the question is if you ask for to much do they counter?
Fico Scores: EQ- 662 DCU., TU 704 Best Buy, EX 700 Chase (1/5/15)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
67 Cards and Counting :smileytongue:
Valued Contributor
Posts: 1,148
Registered: ‎04-23-2008
0

Re: Carecredit... Apply or no??


Creditaddict wrote:
the question is if you ask for to much do they counter?

Honestly, I do not know. We had a estimate of how much it was going to cost and they sumitted the application for me at the office with how much credit was needed and they granted it right away. I wonder though if it had been more, if they would have countered with something else, not sure.


Common Abbreviations|FDCPA|FCRA
Take the FICO Fitness ChallengeStarting Score: TU:695 - EQ:719 - EX:630
Current Score: TU:712 - EQ:755 - EX:712
Goal Score: TU:800 - EQ:800 - EX:800


Epic Contributor
Posts: 22,723
Registered: ‎10-23-2007
0

Re: Carecredit... Apply or no??

I know my parents got a brand source card when putting in the new kitchen (also backed by GE) and they countered for less than the full job.  so I guess come to think of it, they probably would counter, unlike other GE cards that I have dealt with (Dillards! they flat out declined a CLI when I asked for to much, but until I said the amount she said she could do something, I tried to back step but to late!
Fico Scores: EQ- 662 DCU., TU 704 Best Buy, EX 700 Chase (1/5/15)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
67 Cards and Counting :smileytongue:
Regular Contributor
Posts: 243
Registered: ‎11-29-2007
0

x

[ Edited ]

x

Epic Contributor
Posts: 22,723
Registered: ‎10-23-2007
0

Re: Carecredit... Apply or no??

well my friend had a good experience! lol

I have not applied for myself... trying to slap my fingers everytime they start the app... I just don't want another denial...

 

I'm going to bed, I will sleep on it and hope to get more wisdom on this from posters in morning!!! 

Fico Scores: EQ- 662 DCU., TU 704 Best Buy, EX 700 Chase (1/5/15)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
67 Cards and Counting :smileytongue:

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.