topic Re: Carecredit app advice needed in Credit Card Applications

Carecredit app advice needed

Angelique659 — Tue, 17 Jan 2017 00:42:16 GMT

I just got approved for a cap1 qs this morning. Wondering if I should app for a carecredit today or wait a few months.

Fico's before app ex 713 eq 722 tu 635. I have two inquirys on each report now , one on tu >1 year, one each on ex and eq @ 5 months old, then one x3 today.

ck fako dropped 6 after app leaving me at 720 on tu and eq.

I have two released tax liens on tu that will fall off in july or august.

No including new cap1 today, aaoa with an au account 5y, aaoa with just my lowes card is 1.25y

Any adivice would be appreciated.

Re: Carecredit app advice needed

Anonymous — Tue, 17 Jan 2017 02:01:23 GMT

No need to wait if you want it now. I'm confident you'll be approved if you go for it now.

Re: Carecredit app advice needed

Angelique659 — Tue, 17 Jan 2017 02:04:09 GMT

Thanks!

Re: Carecredit app advice needed

UncleB — Tue, 17 Jan 2017 03:52:24 GMT

@Angelique659 wrote:
I just got approved for a cap1 qs this morning. Wondering if I should app for a carecredit today or wait a few months.
@Anonymous's before app ex 713 eq 722 tu 635. I have two inquirys on each report now , one on tu >1 year, one each on ex and eq @ 5 months old, then one x3 today.
ck fako dropped 6 after app leaving me at 720 on tu and eq.
I have two released tax liens on tu that will fall off in july or august.
No including new cap1 today, aaoa with an au account 5y, aaoa with just my lowes card is 1.25y

Any adivice would be appreciated.

You might be approved right now, but keep in mind that Synchrony almost always pulls TU, which at the moment is your lowest.

If you don't need the card right away you might consider holding off until those tax liens drop, otherwise you can go for it now and if approved with a low limit you can see about having it increased after the liens are removed.

Good luck whatever you decide!

Re: Carecredit app advice needed

Angelique659 — Thu, 19 Jan 2017 05:30:28 GMT

Thanks!

I was approved for 3k, asked for 11k.

I'm searching through all of the credit boards right now. I think I read somewhere that you could call for a cli within 24 to 48 hours and just receive a sp. If not, I'll just wait it out.

Edit

I thought I would add this for future searchers (I always wan't to know more details).

Care credit started reporting on 1/18/2017 and my poor TU Fico of 635 wouldn't allow for a cli.