Credit Cards Center Credit cards from our partners
Reply
Regular Contributor
Posts: 129
Registered: ‎01-09-2012
0

Luv from CareCredit!!!

[ Edited ]

Just called in and got CareCredit to raise my limit from $2000 to $4200!!! I'm so excited that they actually approved it because that was the full amount I asked for!! This dropped my overall util from 66% to 55% and dropped the util on the card from ~75% to 36%!!! I know its normally a HP but she didn't say anything about pulling credit and just asked for income and how much I needed and came back instantly and said approved so I'm hoping  the computer said yes and it wasn't a HP but even if it was I'm okay with a HP for more than doubling my limit! I had to come and share because no one else would understand my extreme excitement over this!

 

EDIT: My Citi ID Monitor estimator thinks this will raise my score by ~30 pts! I know its a FAKO but that would still be awesome!

In My Wallet: Amazon (5/2011) $2200 -- CareCredit (9/11) $4200 -- Capital One Green Cash Rewards (01/12) $3000 -- Citi Forward (1/12) $2500 -- Walmart Store Card (1/12) $1100 -- Maurices (8/12) $200

Starting Score: EX 567 9/13/2010
Current Score: EX(FAKO) 639 EQ(FAKO) 628 TU(FAKO) 662 11/13/2012
Goal Score: 750
Established Contributor
Posts: 869
Registered: ‎07-04-2012
0

Re: Luv from CareCredit!!!

Congrats they have been good with cli for us as well.
Hit them hard and they will most likely counter.
The fico score increase will be a nice bonus.

GRATS!!!
Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Valued Member
Posts: 27
Registered: ‎09-21-2011
0

Re: Luv from CareCredit!!!

Congrats!!!! I called in yesterday and asked for an increase myself.  I went from 800 to 3300....the total amount I asked for....Unfortunately I took a hp even though the rep never mentioned but I am very happy with the increase.

EQ MyFico: 679 4/19/2014
EX Fico: 687 4/10/2014
Discover Fico: 694 5/4/2014
Walmart Fico: 662 4/5/2014
Regular Contributor
Posts: 129
Registered: ‎01-09-2012
0

Re: Luv from CareCredit!!!


ecballer wrote:

Congrats!!!! I called in yesterday and asked for an increase myself.  I went from 800 to 3300....the total amount I asked for....Unfortunately I took a hp even though the rep never mentioned but I am very happy with the increase.


It normally is... My Citi CMS normally alerts me same day with inquiries and I haven't heard anything yet so I still have my fingers crossed that I might get lucky. I didn't even think about it earlier but they are now my highest CL too! My starting limit was 500 and I had to call for a CLI same day because we needed 800 to get DH's tooth pulled. Then in January I called in and got a CLI from 800 to 2000 (had asked for 3000) and now up to 4200. I have heard some complain about CareCredit but I think I will be keeping it around for a while!

In My Wallet: Amazon (5/2011) $2200 -- CareCredit (9/11) $4200 -- Capital One Green Cash Rewards (01/12) $3000 -- Citi Forward (1/12) $2500 -- Walmart Store Card (1/12) $1100 -- Maurices (8/12) $200

Starting Score: EX 567 9/13/2010
Current Score: EX(FAKO) 639 EQ(FAKO) 628 TU(FAKO) 662 11/13/2012
Goal Score: 750
Established Contributor
Posts: 792
Registered: ‎08-30-2011
0

Re: Luv from CareCredit!!!


roxy382 wrote:

ecballer wrote:

Congrats!!!! I called in yesterday and asked for an increase myself.  I went from 800 to 3300....the total amount I asked for....Unfortunately I took a hp even though the rep never mentioned but I am very happy with the increase.


It normally is... My Citi CMS normally alerts me same day with inquiries and I haven't heard anything yet so I still have my fingers crossed that I might get lucky. I didn't even think about it earlier but they are now my highest CL too! My starting limit was 500 and I had to call for a CLI same day because we needed 800 to get DH's tooth pulled. Then in January I called in and got a CLI from 800 to 2000 (had asked for 3000) and now up to 4200. I have heard some complain about CareCredit but I think I will be keeping it around for a while!


Are you sure it wasn't a hard pull?  Have you checked both EQ and TU?  I am only concerned because my DGF's carecredit is at $3000 and I want to bump it up for a procedure.

 

Thanks and congrats!

 

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Valued Member
Posts: 27
Registered: ‎09-21-2011
0

Re: Luv from CareCredit!!!

Does your Citi monitor TU....they will hp TU for an increase even if they don't state it while asking for a cli.

EQ MyFico: 679 4/19/2014
EX Fico: 687 4/10/2014
Discover Fico: 694 5/4/2014
Walmart Fico: 662 4/5/2014
Established Contributor
Posts: 792
Registered: ‎08-30-2011
0

Re: Luv from CareCredit!!!

CreditKarma also monitors TU daily and it's free.
Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Regular Contributor
Posts: 129
Registered: ‎01-09-2012
0

Re: Luv from CareCredit!!!

I am not positive about if it was a HP or not. Citi CMS monitors all three and is normally super quick with alerts about inquiries and here in Indiana CareCredit has always pulled my EQ (when opening and for a prior CLI) so CK won't help. But I will update when I find out for sure!

In My Wallet: Amazon (5/2011) $2200 -- CareCredit (9/11) $4200 -- Capital One Green Cash Rewards (01/12) $3000 -- Citi Forward (1/12) $2500 -- Walmart Store Card (1/12) $1100 -- Maurices (8/12) $200

Starting Score: EX 567 9/13/2010
Current Score: EX(FAKO) 639 EQ(FAKO) 628 TU(FAKO) 662 11/13/2012
Goal Score: 750
Established Contributor
Posts: 869
Registered: ‎07-04-2012
0

Re: Luv from CareCredit!!!


flowfaster wrote:

roxy382 wrote:

ecballer wrote:

Congrats!!!! I called in yesterday and asked for an increase myself.  I went from 800 to 3300....the total amount I asked for....Unfortunately I took a hp even though the rep never mentioned but I am very happy with the increase.


It normally is... My Citi CMS normally alerts me same day with inquiries and I haven't heard anything yet so I still have my fingers crossed that I might get lucky. I didn't even think about it earlier but they are now my highest CL too! My starting limit was 500 and I had to call for a CLI same day because we needed 800 to get DH's tooth pulled. Then in January I called in and got a CLI from 800 to 2000 (had asked for 3000) and now up to 4200. I have heard some complain about CareCredit but I think I will be keeping it around for a while!


Are you sure it wasn't a hard pull?  Have you checked both EQ and TU?  I am only concerned because my DGF's carecredit is at $3000 and I want to bump it up for a procedure.

 

Thanks and congrats!

 


It was an instantaneous approval with soft for us from 3k to 5.5k over the automated phone system couple of months ago.

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Established Contributor
Posts: 912
Registered: ‎06-14-2012
0

Re: Luv from CareCredit!!!

Congrats! Hopefully it was only a SP!


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.