EX reports my Care Credit as retail card

cuthatcard · ‎10-21-2016

New one me !

I swipe it at Rite Aide like a CC, use it like a CC but EX list it as a retail card !

FICO :November 2016
TU-761 EQ 756. EX - 749
No Baddies
QS1 -$2,000. Care Credit $9,600.00 CHASE Freedom $3,000.00 Discover IT $1,000.00
Inq TU 4 EQ 3 EX 2

RushXTC · ‎10-21-2016

@cuthatcard wrote:
New one me !
I swipe it at Rite Aide like a CC, use it like a CC but EX list it as a retail card !

You can use your care credit at Rite Aide? what the heck?

pizza1 · ‎10-22-2016

They are reporting correctly. Care Credit is a retail/store card. Just because you can use it at several different places like vets/doctors/rie aid etc....its NOT a major CC.. You can't use your Care credit card to pay for dinner or buy clothes at Macys. .UNLESS...you got the upgrade to the Care credit MasterCard.

At that point, once a retail/store card converts to a major like Visa or MC, then it will report as such.

In the meantime...its reporting as it should.....a retail card.

grillandwinemaster · ‎10-22-2016

@pizza1 wrote:
They are reporting correctly. Care Credit is a retail/store card. Just because you can use it at several different places like vets/doctors/rie aid etc....its NOT a major CC.. You can't use your Care credit card to pay for dinner or buy clothes at Macys. .UNLESS...you got the upgrade to the Care credit MasterCard.

At that point, once a retail/store card converts to a major like Visa or MC, then it will report as such.

In the meantime...its reporting as it should.....a retail card.

What is needed to convert a regular care credit into the MC version?

Current Scores 3/2016 Equifax 676 Transunion 697 Experian 648 Goal Scores: 720's accross the board. Gardening Goal: 3/2017

pizza1 · ‎10-22-2016

@grillandwinemaster wrote:
@pizza1 wrote:
They are reporting correctly. Care Credit is a retail/store card. Just because you can use it at several different places like vets/doctors/rie aid etc....its NOT a major CC.. You can't use your Care credit card to pay for dinner or buy clothes at Macys. .UNLESS...you got the upgrade to the Care credit MasterCard.

At that point, once a retail/store card converts to a major like Visa or MC, then it will report as such.

In the meantime...its reporting as it should.....a retail card.
What is needed to convert a regular care credit into the MC version?

an invitation from Synch....its kindalike the once or twice a year when they go and "upgrade" certain card holders with retail versions, like JCP, BP, Sams, etc...requires an invitation to do so. You cant ask for it.

grillandwinemaster · ‎10-22-2016

@pizza1 wrote:
@grillandwinemaster wrote:
@pizza1 wrote:
They are reporting correctly. Care Credit is a retail/store card. Just because you can use it at several different places like vets/doctors/rie aid etc....its NOT a major CC.. You can't use your Care credit card to pay for dinner or buy clothes at Macys. .UNLESS...you got the upgrade to the Care credit MasterCard.

At that point, once a retail/store card converts to a major like Visa or MC, then it will report as such.

In the meantime...its reporting as it should.....a retail card.
What is needed to convert a regular care credit into the MC version?
an invitation from Synch....its kindalike the once or twice a year when they go and "upgrade" certain card holders with retail versions, like JCP, BP, Sams, etc...requires an invitation to do so. You cant ask for it.

That's kind of cute...

I'm sure I won't get invited to the party! Lol

Current Scores 3/2016 Equifax 676 Transunion 697 Experian 648 Goal Scores: 720's accross the board. Gardening Goal: 3/2017

grillandwinemaster · ‎10-22-2016

@grillandwinemaster wrote:
@pizza1 wrote:
@grillandwinemaster wrote:
@pizza1 wrote:
They are reporting correctly. Care Credit is a retail/store card. Just because you can use it at several different places like vets/doctors/rie aid etc....its NOT a major CC.. You can't use your Care credit card to pay for dinner or buy clothes at Macys. .UNLESS...you got the upgrade to the Care credit MasterCard.

At that point, once a retail/store card converts to a major like Visa or MC, then it will report as such.

In the meantime...its reporting as it should.....a retail card.
What is needed to convert a regular care credit into the MC version?
an invitation from Synch....its kindalike the once or twice a year when they go and "upgrade" certain card holders with retail versions, like JCP, BP, Sams, etc...requires an invitation to do so. You cant ask for it.
That's kind of cute...
I'm sure I won't get invited to the party! Lol

Thanks for the info, pizza.

Current Scores 3/2016 Equifax 676 Transunion 697 Experian 648 Goal Scores: 720's accross the board. Gardening Goal: 3/2017

pizza1 · ‎10-22-2016

@grillandwinemaster wrote:
@grillandwinemaster wrote:
@pizza1 wrote:
@grillandwinemaster wrote:
@pizza1 wrote:
They are reporting correctly. Care Credit is a retail/store card. Just because you can use it at several different places like vets/doctors/rie aid etc....its NOT a major CC.. You can't use your Care credit card to pay for dinner or buy clothes at Macys. .UNLESS...you got the upgrade to the Care credit MasterCard.

At that point, once a retail/store card converts to a major like Visa or MC, then it will report as such.

In the meantime...its reporting as it should.....a retail card.
What is needed to convert a regular care credit into the MC version?
an invitation from Synch....its kindalike the once or twice a year when they go and "upgrade" certain card holders with retail versions, like JCP, BP, Sams, etc...requires an invitation to do so. You cant ask for it.
That's kind of cute...
I'm sure I won't get invited to the party! Lol
Thanks for the info, pizza.

LOLOL...no problem...I never got invited either..

I just went hog wild earlier this year when my TU score hit 717, and got ALL the majors from Synch I wanted, like 10, LMAO!

Revelate · ‎10-22-2016

@pizza1 wrote:
@grillandwinemaster wrote:
@grillandwinemaster wrote:
@pizza1 wrote:
@grillandwinemaster wrote:
@pizza1 wrote:
They are reporting correctly. Care Credit is a retail/store card. Just because you can use it at several different places like vets/doctors/rie aid etc....its NOT a major CC.. You can't use your Care credit card to pay for dinner or buy clothes at Macys. .UNLESS...you got the upgrade to the Care credit MasterCard.

At that point, once a retail/store card converts to a major like Visa or MC, then it will report as such.

In the meantime...its reporting as it should.....a retail card.
What is needed to convert a regular care credit into the MC version?
an invitation from Synch....its kindalike the once or twice a year when they go and "upgrade" certain card holders with retail versions, like JCP, BP, Sams, etc...requires an invitation to do so. You cant ask for it.
That's kind of cute...
I'm sure I won't get invited to the party! Lol
Thanks for the info, pizza.
LOLOL...no problem...I never got invited either..

I just went hog wild earlier this year when my TU score hit 717, and got ALL the majors from Synch I wanted, like 10, LMAO!

The heck my friend? I thought you were still closing cards!

pizza1 · ‎10-22-2016

@Revelate wrote:
@pizza1 wrote:
@grillandwinemaster wrote:
@grillandwinemaster wrote:
@pizza1 wrote:
@grillandwinemaster wrote:
@pizza1 wrote:
They are reporting correctly. Care Credit is a retail/store card. Just because you can use it at several different places like vets/doctors/rie aid etc....its NOT a major CC.. You can't use your Care credit card to pay for dinner or buy clothes at Macys. .UNLESS...you got the upgrade to the Care credit MasterCard.

At that point, once a retail/store card converts to a major like Visa or MC, then it will report as such.

In the meantime...its reporting as it should.....a retail card.
What is needed to convert a regular care credit into the MC version?
an invitation from Synch....its kindalike the once or twice a year when they go and "upgrade" certain card holders with retail versions, like JCP, BP, Sams, etc...requires an invitation to do so. You cant ask for it.
That's kind of cute...
I'm sure I won't get invited to the party! Lol
Thanks for the info, pizza.
LOLOL...no problem...I never got invited either..

I just went hog wild earlier this year when my TU score hit 717, and got ALL the majors from Synch I wanted, like 10, LMAO!
The heck my friend? I thought you were still closing cards!

LOL Rev!!

I am still closing!! Heck, I closed 3 or 4 I think already I think I got in January, (eek! oops )I just had to see if I could get them all I gues, LOL ...

Obviously my TU score isnt 717 anymore, and took a dive. Itll take the full year to recover again. It was just one of those days where I went on a major app spree. Next major app spree will be a little more on the conservative side, and CRA appropriate as well.

So glad to see you around here more!! Ive missed you being around!! Would be so nice to see some of the "old crew" come back for a bit