I would recon, I was approved in January for 500, called back and they moved it to 600. After 2 months of on time payments it got moved to 2400. At the time of application my score was low 600s. Have you opened several lines lately? I will say that my Care Credit card was the first I opened in almost 4 years, but at the time I was at around 70% utilization and several late payments from a year prior.
Sorry about that! Definitely try recon before throwing in the towel
What does recon mean? I was denied care credit a few months ago. I have a Wal-mart credit card, and was also denied a cli today($0 balance, on time payments, still only $200 limit). I recently opened a credit card in Dec. making it my 4th credit card. I was just approved for an auto refinance today with Wells Fargo (my second auto loan with WF). I am having cosmetic surgery in Sept and I am so afraid to try for care credit again! I can get a loan thru a private lender but I know the interest rate will be high. I just wish I could get Care Credit to give me an approval!
I'd recommend using the denial to get a free copy of your TU report and then review and address any issues you can. Definitely look through the Rebuilding forum, if you haven't already.