Care credit hp or Sp on CLI?

ways2go · ‎12-15-2019

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?

Jnbmom · ‎12-15-2019

Mine have always been a SP.

EXP 780 EQ 796 TU 810

M_Smart007 · ‎12-15-2019

@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

chiefone4u · ‎12-15-2019

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

Goodwill Saturation Technique
Starting Score: EQ:608, EX:617, TU:625
Current Score 3/11/2020: EQ:695, EX:703, TU:720
Goal Score: 740+
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Member of the Synchrony Bank giveth then Taketh away April 2020 Club! $86,900 in available credit gone without warning.
Newest Account July 8, 2020 -- Last HP October 24, 2020 -- Gardening Goal: August 2022 and reach 0/24

Queen_Etherea · ‎12-16-2019

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.

I think I've found the sacred map that may lead me to this garden everyone keeps talking about.

Wells Fargo Platinum: 3/17 : $1,900 (Unsecured 12/1/2018 w/CLI)

American Express Blue Cash Everyday: 9/18 : $2,000

American Express Blue Cash Preferred: 12/18 : $10,000

American Express Everyday Preferred: 1/19 : CLOSED

PayPal MC 2% : 09/18 : Closed by Synchony

PenFed Power Cash Rewards : 10/18 : (Merged with Gold) $16,000

Synchrony – Amazon Prime Store Card : 9/18 : Closed by Synchrony

Synchrony – PayPal Credit : Closed by Synchrony

Comenity – Ulta Beauty Store Card : 3/19 : $5,000

Comenity – Express Next Store Card : $5,000 [AU]

Goldman Sachs – Apple Card : 08/19 : $15,000

Wells Fargo PLOC: 3/19 : PAID OFF $5,000

Honda Financial Services : 10/18 : $15K 7.35%

Officially collection free as of 3/19/19!!
STARTING SCORES: 377 (11/2013) & 580 (3/2018)

revjamesl · ‎12-16-2019

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.

Anonymous · ‎12-17-2019

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?