Check the fakos and perhaps pick one of the CRAs and get a real score and take it from there?... Might be worth getting another card (prime) unless your trying to get one of the 0% offers because anything involving Carecredit is a hard pull, including CLIs ... Esp if youve been gardening for a year.. you should be eligible for a prime card with a decent rate that may be a better deal, and with a higher limit you might not have quite as high utilization... Even getting CC, you probably want a card with a higher limit so if something like this happens again, you wont be using half of your avalible limit on that one card... And your probably eligible for much higher limits now esp with the gardening..
From a credit building standpoint, you might consider getting an installment loan from your bank. It might help the diversity of the credit types that appear on your reports.
@PandiferBear wrote:Okay, so I am going to apply for this pretty soon. I am going to wait until a couple of statements post. I just wanted to see if I should aim high or aim for what I need. Does the online system counter these days? I would prefer to get $4000, since I would like anything I use to not hurt my utilization too bad. But I do not know if I should ask for closer to what I want for the work (maybe $2000) or even higher than the $4000 I would prefer in order to see what I would be approved for. Either way, I will obviously be paying off within the deferred interest period to avoid the shellshock of that interest rate kicking in. I have looked at credit pulls and similar sites, and hopefully I will be good. *knocks on wood*
I have read that apping in your dentists office and have them request the limit is more apt to go through than a cold app online.
