topic Re: CLI Question in Credit Card Applications

CLI Question

Anonymous — Wed, 24 Feb 2016 19:38:59 GMT

Hello and Happy February! Just applied for Care Credit and was approved, but wish to try to cli the amount, as my proceedures will be (sadly) more than that. Is it too soon to call now or should I wait a day? Thank you in advance; can't tell you how helpful this forum is !

Re: CLI Question

Anonymous — Wed, 24 Feb 2016 19:40:43 GMT

You can call now. However, CareCredit does hard inquiries so you may see two pulls from them.

Re: CLI Question

Anonymous — Wed, 24 Feb 2016 19:49:55 GMT

@Anonymous wrote:
You can call now. However, CareCredit does hard inquiries so you may see two pulls from them.

Ugh...another HP even though the approval was like half hour ago? That seems ludicrous. Thank you for your reply though

Re: CLI Question

Anonymous — Wed, 24 Feb 2016 21:46:54 GMT

If it's that recent then who knows. But from what I've read, and my experience, CareCredit is all about Hard pulls.

Do let us know what happens! And if it's hard or soft.

Re: CLI Question

Anonymous — Thu, 25 Feb 2016 05:42:33 GMT

i have seen that care credit is HP even if you just got approved 10 seconds ago. you can try, but as stated, expect the additional HP

Re: CLI Question

FinStar — Thu, 25 Feb 2016 07:27:24 GMT

@Anonymous wrote:
Hello and Happy February! Just applied for Care Credit and was approved, but wish to try to cli the amount, as my proceedures will be (sadly) more than that. Is it too soon to call now or should I wait a day? Thank you in advance; can't tell you how helpful this forum is !

Typically, if you call back within 24 hours, the request for a CLI can still be honored without a 2nd HP. This can vary for everyone since you could still get hit with another one (it's happened before) + no guarantee if they will approve the CLI.