Care credit limit increase

[Anonymous]

Hey, i'm new to this. I have a credit score of about 730 but i've only had credit for about 11 months. But I had a bill of 1,300 and payed it off in 3 months on my care credit card. My limit is at 0 and I want to do a bunch of dental work. I only have a limit of 1,800 i need to get some where in the 8-10k range. Do you think I will be approved if I ask for about 25 grand and they counter? Thank you!

[azguy13]

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@Anonymous wrote:
Hey, i'm new to this. I have a credit score of about 730 but i've only had credit for about 11 months. But I had a bill of 1,300 and payed it off in 3 months on my care credit card. My limit is at 0 and I want to do a bunch of dental work. I only have a limit of 1,800 i need to get some where in the 8-10k range. Do you think I will be approved if I ask for about 25 grand and they counter? Thank you!

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Welcome to the forum. 

I have not had any dealings with care credit but one thing I would like to mention is that it is about more than just the score. A think credit report of only 11 months old with a score of 730 does not mean as much as a thick file with AAoA at 5+ years with a score of 700. Really, it all depends on the underwriter and if it is a "black box" auto approval. 

How many open and closed tradelines do you have on your report? 

[ojefferyo]

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@Anonymous wrote:
Hey, i'm new to this. I have a credit score of about 730 but i've only had credit for about 11 months. But I had a bill of 1,300 and payed it off in 3 months on my care credit card. My limit is at 0 and I want to do a bunch of dental work. I only have a limit of 1,800 i need to get some where in the 8-10k range. Do you think I will be approved if I ask for about 25 grand and they counter? Thank you!

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11 months is still pretty much an infant in the credit world. Only way to know for sure is ask for the CLI. 

[Anonymous]

You will never know till you try. It is a hard pull for care credit. I got shot down asking for a CLI. My score lower though it's between 660-700 when I asked for increase. Income is 15000/month. But I also got lots of new credit with last few months. So, can't really tell as everyone credit is different

[Anonymous]

Care credit was one of my first cards post BK and it was a godsend since I had a chronically ill dog, who eventually became ill with cancer and passed.

I think I started around $1,000 or so and they gave some auto CLI's but then at one point we were desperate for more veterinary services, and they did a manual CLI for me to $4K.

I paid a BOAT LOAD of interest over the years and finally paid it off last month. You will pay dearly if you carry a balance (I think I paid $116 a month  payment, and maybe $25 a month went toward principal) but if you have a sick pet and it's your last resort, it can make a life or death difference. Overall I am happy with CCredit and will always keep the card. My furbabies are worth keeping it "just in case". I don't know about the increase. It is Synchrony and in my experience they only give CLI when they feel like it and 99% of my increases with them have been unsolicited after I used a lot of my limit and then paid it off. But best of luck!

[Anonymous]

Care Credit is a good, but different duck. When I applied the online message told me I was denied. About 2 weeks later Credit Karma reported a new account from them with a $9k CL, then the next day or so, the card arrived. I know they are a hard pull for a cli, but so far I haven't had to ask.

[Anonymous]

Got a credit increase from Care Credit today. Called the back office # and was approved for 2000.

[Anonymous]

About a year ago I requested a cli from care credit. My scores were lower than yours 690ish TU, but my aaoa was a little over 4 yrs and the account was just over 4 yrs also. My cl was $1500, I asked for a $10k cli over the phone. I was advised there would be a hp and was countered with $9.3k cli bring my cl to $10.8k. It took less than ten minutes. Just my experience, my scores were lower, but I did have more history. Good luck to you.

[bodyboy1]

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@Anonymous wrote:

Care credit was one of my first cards post BK and it was a godsend since I had a chronically ill dog, who eventually became ill with cancer and passed.

I think I started around $1,000 or so and they gave some auto CLI's but then at one point we were desperate for more veterinary services, and they did a manual CLI for me to $4K.

I paid a BOAT LOAD of interest over the years and finally paid it off last month. You will pay dearly if you carry a balance (I think I paid $116 a month  payment, and maybe $25 a month went toward principal) but if you have a sick pet and it's your last resort, it can make a life or death difference. Overall I am happy with CCredit and will always keep the card. My furbabies are worth keeping it "just in case". I don't know about the increase. It is Synchrony and in my experience they only give CLI when they feel like it and 99% of my increases with them have been unsolicited after I used a lot of my limit and then paid it off. But best of luck!

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@Anonymous wrote:

Care credit was one of my first cards post BK and it was a godsend since I had a chronically ill dog, who eventually became ill with cancer and passed.

I think I started around $1,000 or so and they gave some auto CLI's but then at one point we were desperate for more veterinary services, and they did a manual CLI for me to $4K.

I paid a BOAT LOAD of interest over the years and finally paid it off last month. You will pay dearly if you carry a balance (I think I paid $116 a month  payment, and maybe $25 a month went toward principal) but if you have a sick pet and it's your last resort, it can make a life or death difference. Overall I am happy with CCredit and will always keep the card. My furbabies are worth keeping it "just in case". I don't know about the increase. It is Synchrony and in my experience they only give CLI when they feel like it and 99% of my increases with them have been unsolicited after I used a lot of my limit and then paid it off. But best of luck!

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> God bless u & your doggie!  thank god for care credit!..  i never needed it but i see it in my vets office   my old baby who passed at 17 years old (diamond) of kidney failure   Now have Maxxx (minipin) of 4 years!     Op needs human Medical care       1-866-519-6441  call Credit solutions ask for $15k & hold your breath..   just don't be nervous..   they are use to asking high.. for those cards..  (people) don'thave health ins:    it's cheaper to use credit        you'll get it

[Anonymous]

Care credit is great to have on your side.

My advice is to really work on your credit score and clean it up. Make sure you have a prime card with decent balance transfer offer ready in the chamber by the 10th month, and you'll minimize interest pain in case you can't pay it off.