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New Contributor
Posts: 56
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.

2/18/15 via Discover's FICO 649
3/11/15 via Walmart's FICO 692
Cap One Platinum $2250 Discover $700 VS $2350 Belk $700 Care Credit $6,200-co-app w/ husband Walmart $650 Cap One $2250 Plat Prestige $1,000 Chase Freedom $7000 AmEx $1500
Super Contributor
Posts: 6,419
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
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
Posts: 390
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
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
New Contributor
Posts: 56
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.
2/18/15 via Discover's FICO 649
3/11/15 via Walmart's FICO 692
Cap One Platinum $2250 Discover $700 VS $2350 Belk $700 Care Credit $6,200-co-app w/ husband Walmart $650 Cap One $2250 Plat Prestige $1,000 Chase Freedom $7000 AmEx $1500
New Contributor
Posts: 56
Registered: ‎07-20-2013
0

Re: GE Care Credit

bump

2/18/15 via Discover's FICO 649
3/11/15 via Walmart's FICO 692
Cap One Platinum $2250 Discover $700 VS $2350 Belk $700 Care Credit $6,200-co-app w/ husband Walmart $650 Cap One $2250 Plat Prestige $1,000 Chase Freedom $7000 AmEx $1500
Member
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 Smiley Happy
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!

New Contributor
Posts: 56
Registered: ‎07-20-2013
0

Re: GE Care Credit

TrishN, Were you able to get the increase?

2/18/15 via Discover's FICO 649
3/11/15 via Walmart's FICO 692
Cap One Platinum $2250 Discover $700 VS $2350 Belk $700 Care Credit $6,200-co-app w/ husband Walmart $650 Cap One $2250 Plat Prestige $1,000 Chase Freedom $7000 AmEx $1500
Established Contributor
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
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