Reply
Valued Member
determinedchick
Posts: 33
Registered: ‎07-20-2013
0

GE Care Credit

I'm wanting to apply for Care Credit. 

 

So far i've learned to ask for a higher limit as they typically counter with a low limit. 

 

I also hear they pull TU.  Has anyone been declined for Care Credit and if so, what was your score at the time of the denial? 

 

Also, if approved with a lower score, what limits are being offered.  TIA.

8/15/13 via Discover's Score Tracker Ex 647 8/16/13 via Myfico EQ 646 8/13/13 Via Myfico TU 615 AAOA 4 yrs

Cap One Platinum $1500 Discover $700 VS $610 Belk $500 Care Credit $4,200-co-app w/ husband Walmart $500 Cap One $500
Senior Contributor
Ron1
Posts: 4,883
Registered: ‎05-23-2009
0

Re: GE Care Credit

I applied for Carecredit three weeks ago. I asked for $9k. I think my score was round 760 to 770 w/ no inquiry.

Ron.
Valued Member
kimbia
Posts: 46
Registered: ‎01-05-2013
0

Re: GE Care Credit


determinedchick wrote:

I'm wanting to apply for Care Credit. 

 

So far i've learned to ask for a higher limit as they typically counter with a low limit. 

 

I also hear they pull TU.  Has anyone been declined for Care Credit and if so, what was your score at the time of the denial? 

 

Also, if approved with a lower score, what limits are being offered.  TIA.


In my younger, less responsible days (about 4 years ago), I had to have my wisdom teeth extracted (all 4) under IV sedation. Being a poor student, I applied for GE Care Credit with no appreciable income and was approved for $1500. I'm guessing my score was low 600's at the time. The interest rate was extortionate, hence me closing the card in 2010.



Current Scores:EQ: 726 (07/13) | TU: 656 (03/13) | EX: 715 (07/13)
Goal Scores (2013): EQ: 750 | TU: 700 | EX: 730 - Last app: 11 May 2013 - Done apping for the foreseeable future
Frequent Contributor
dddfresh
Posts: 391
Registered: ‎01-11-2013
0

Re: GE Care Credit

A few months ago I was around the 650 mark and was approved online for around 2k and I immediately called credit solutions and asked for 5k and they countered at 3500. The veterinary place offered six months interest free w care credit but it is a deferred interest plan and I think 23% after that

9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Established Contributor
TrishN
Posts: 505
Registered: ‎11-05-2012
0

Re: GE Care Credit

i just approved for 1k8. ill call GE tomorrow and ask for 6K

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Valued Member
determinedchick
Posts: 33
Registered: ‎07-20-2013
0

Re: GE Care Credit

Thanks for the replies, I'm around 620 i have 2 paid collections from 2009, other than that no late pays for 3 years.
8/15/13 via Discover's Score Tracker Ex 647 8/16/13 via Myfico EQ 646 8/13/13 Via Myfico TU 615 AAOA 4 yrs

Cap One Platinum $1500 Discover $700 VS $610 Belk $500 Care Credit $4,200-co-app w/ husband Walmart $500 Cap One $500
Valued Member
determinedchick
Posts: 33
Registered: ‎07-20-2013
0

Re: GE Care Credit

bump

8/15/13 via Discover's Score Tracker Ex 647 8/16/13 via Myfico EQ 646 8/13/13 Via Myfico TU 615 AAOA 4 yrs

Cap One Platinum $1500 Discover $700 VS $610 Belk $500 Care Credit $4,200-co-app w/ husband Walmart $500 Cap One $500
Member
cynical_eden
Posts: 13
Registered: ‎07-14-2013
0

Re: GE Care Credit

I applied for that one a few months ago because my vet takes it and so does my dentist. I was instantly approved for 5k which now I wish I had asked for more for utilization purposes. I have no intention on ever paying interest on this card as all plans are to be able to pay for the unexpected mostly with my 5 animals. My vet offers 18 months deferred interest on anything over 200 so it works for me. I have been warned though to follow through with deal or else suffer the shockingly high interest. I have heard the same nay sayers with BML too though and I honestly love my account with them. They were my first credit line in a very long time and I ALWAYS pay on time and follow the rules. I also hear care credit is one of the easier cards to get and they are backed by ge whom I have had a positive experience with as well. Good luck :smileyhappy:
LA VFW USAA World Mastercard: $9,500/USAA Visa Platinum: $8,000/Home Depot: $5,500/CareCredit: $5,000/Paypal Mastercard: $4,250/Amazon Store:$2,200/Ashley Furniture GE $2,000/Local CU Visa: $1500/WalMart: $1,100/Discover IT: $1,000/Victoria's Secret: $500/Kohl's: $400/Local bank Visa: $300/BML: $501

Current Score: 740Walmart FICO (TU)/736 Credit Sesame/687 Credit Karma (TU)

Local banks give no love!

Last app: 7/31/13
No more apps until summer 2015!

Valued Member
determinedchick
Posts: 33
Registered: ‎07-20-2013
0

Re: GE Care Credit

TrishN, Were you able to get the increase?

8/15/13 via Discover's Score Tracker Ex 647 8/16/13 via Myfico EQ 646 8/13/13 Via Myfico TU 615 AAOA 4 yrs

Cap One Platinum $1500 Discover $700 VS $610 Belk $500 Care Credit $4,200-co-app w/ husband Walmart $500 Cap One $500
Established Contributor
TrishN
Posts: 505
Registered: ‎11-05-2012
0

Re: GE Care Credit

yes i reuqested 3k5. they approved just less than 1 min

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+