topic Re: Care credit hp or Sp on CLI? in Credit Card Applications

Care credit hp or Sp on CLI?

ways2go — Mon, 16 Dec 2019 00:39:31 GMT

I was wondering what people experience on Cli with care credit? The Last time I asked for a cli it was a HP. That was over five years ago. I wondering if it has changed to a soft pull?

Re: Care credit hp or Sp on CLI?

Jnbmom — Mon, 16 Dec 2019 00:50:55 GMT

Mine have always been a SP.

Re: Care credit hp or Sp on CLI?

M_Smart007 — Mon, 16 Dec 2019 01:19:17 GMT

@ways2go wrote:
I was wondering what people experience on Cli with care credit? The Last time I asked for a cli it was a HP. That was over five years ago. I wondering if it has changed to a soft pull?

Should be a SP

Re: Care credit hp or Sp on CLI?

chiefone4u — Mon, 16 Dec 2019 01:57:09 GMT

Mine have all been SP. Most recently in November 2019.

If you don't use the card regularly, sign into your account and click on offers, then on View my credit score (or something similar). Agree to request (make sure Transunion isn't frozen), this will force a recent SP that may provide a better chance of SP CLI

Re: Care credit hp or Sp on CLI?

Queen_Etherea — Mon, 16 Dec 2019 18:30:04 GMT

I've requested a CLI way too many times to count on my CareCredit account. It's been a soft pull 100% of the time. I think I started at like $1,000 or something low like that last year when I opened the card, and now it's up to $20,000. It seems like the grant me one every 2-3 months. I would suggest not low balling when you put in how much you want. I feel like that's where I messed up. I was always too scared to put a higher amount, thinking they would deny me, but they'll counter your offer if they want to give you one.

Re: Care credit hp or Sp on CLI?

revjamesl — Tue, 17 Dec 2019 04:48:25 GMT

I just increased my limit from $3200 to $18,000; I only requested $15k.

I also increased my Discount Tire limit from $2,000 to $10,000; requested $15k again and they countered.

Re: Care credit hp or Sp on CLI?

Anonymous — Tue, 17 Dec 2019 19:28:27 GMT

It's been soft pull for me twice.

@ways2go wrote:
I was wondering what people experience on Cli with care credit? The Last time I asked for a cli it was a HP. That was over five years ago. I wondering if it has changed to a soft pull?