topic Re: CareCredit Limit Reduction in Credit Cards

CareCredit Limit Reduction

soxfaininfl — Fri, 20 Feb 2026 19:10:25 GMT

Well, that was quick! I was approved for 1k starting CL on 2/9, and I was planning on using the card tomorrow and they have already reduced my limit to 537. Lol, gotta love synchrony bank. I'm currently enrolled with Freedom debt relief to eliminate debt, so I guess I had this coming with synchrony. I'm trying to improve my scores while I'm in that program.

Re: CareCredit Limit Reduction

DeeBee78 — Fri, 20 Feb 2026 20:45:57 GMT

Only thing I have to say is you probably shouldn't be credit seeking and using credit while you're in a debt consolidation program.

Re: CareCredit Limit Reduction

Stuart89 — Fri, 20 Feb 2026 23:07:54 GMT

What changed since you applied? Wondering how they caught on…

Re: CareCredit Limit Reduction

Jnbmom — Sat, 21 Feb 2026 01:15:59 GMT

@DeeBee78 wrote:
Only thing I have to say is you probably shouldn't be credit seeking and using credit while you're in a debt consolidation program.

💯 agree you should NOT be applying for anything while you are in a program 😳

Re: CareCredit Limit Reduction

soxfaininfl — Sat, 21 Feb 2026 01:21:46 GMT

@Stuart89 wrote:
What changed since you applied? Wondering how they caught on…

Nothing has really changed. My scores are the same. I'm paying in full the every month the accounts I have open. The more positive accounts I have reporting the quicker my scores will rise. I have a year and half left in this credit program to go.

Re: CareCredit Limit Reduction

FicoMike0 — Sat, 21 Feb 2026 01:47:12 GMT

That's not much good, even $1000 would seem low for the sort of things care bears card is generally used for.

sync sux!

Re: CareCredit Limit Reduction

soxfaininfl — Sat, 21 Feb 2026 15:23:19 GMT

@FicoMike0 wrote:
That's not much good, even $1000 would seem low for the sort of things care bears card is generally used for.
sync sux!

Yeah they are not great. I'm just going to use this card for like copays at doctors office or at Walgreens or Walmart for health products on a monthly basis. I just ordered cat litter with my CareCredit at Walmart.com.