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Hard pull or soft pull now gor cli care credit?

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Regular Contributor

Hard pull or soft pull now gor cli care credit?

I just did cli online went from 15000 to 20000. Do you think hp?
Message 1 of 9
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Moderator

Re: Hard pull or soft pull now gor cli care credit?


@fritscher wrote:
I just did cli online went from 15000 to 20000. Do you think hp?

FWIW my own Care Credit (Mastercard) CLI back in the fall was only a SP.

 

I also requested mine online, and went from $9500 to $15000.

Message 2 of 9
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Super Contributor

Re: Hard pull or soft pull now gor cli care credit?

My pure play was SP.

Sidenote, can you upgrade to the MasterCard version from the pure play uncleB?
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.


RIP:

Oldest/average age varies by bureau. Estimates above.


Updated Oct 2020, unless otherwise noted.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (Mature/young), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/mature/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record to start.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 3 of 9
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Moderator

Re: Hard pull or soft pull now gor cli care credit?


@Birdman7 wrote:
My pure play was SP.

Sidenote, can you upgrade to the MasterCard version from the pure play uncleB?

Unfortunately upgrades to the MC are by invitation only.  Smiley Sad

 

I'm not sure what determines who gets the invite; I seldom used mine when it was a PLCC so it definitely wasn't upgraded due to high usage.

Message 4 of 9
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Super Contributor

Re: Hard pull or soft pull now gor cli care credit?

Is the APR any better on the MasterCard flavor?
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.


RIP:

Oldest/average age varies by bureau. Estimates above.


Updated Oct 2020, unless otherwise noted.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (Mature/young), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/mature/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record to start.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 5 of 9
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Moderator

Re: Hard pull or soft pull now gor cli care credit?


@Birdman7 wrote:
Is the APR any better on the MasterCard flavor?

Nope, the terms stayed the same. The only difference is that the MC has rewards, meager as they may be.

 

When I was first upgraded there was a promo where grocery stores (my Walmart qualified) were at 4x instead of the regular 2x, which was actually pretty good.  Now the website is indicating the 2x at grocery stores is a promo and that at the end of June it will go to 1x (I must have missed that somehow). 

 

They sometimes do spend promos that are OK (spend $xx as a Mastercard, get $25, etc.) but I've not seen one since my upgrade last summer.  Other than the occasional promo, the primary benefit of having the account as a Mastercard is that it's a bit easier to put an occasional charge on it to keep it alive for (in my case) dental expenses.

 

More info on their (mediocre) rewards here:  https://carecredit.com/mastercard/info/?intcmp=carecreditmastercard-healthcare-infobox-Learn_More-in...

Message 6 of 9
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Regular Contributor

Re: Hard pull or soft pull now gor cli care credit?

Update. It was sp for cli. Glad of that
Message 7 of 9
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New Contributor

Re: Hard pull or soft pull now gor cli care credit?

Sorry to ask but which bank credit card is this post for?

Message 8 of 9
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Moderator

Re: Hard pull or soft pull now gor cli care credit?


@nu-stat wrote:

Sorry to ask but which bank credit card is this post for?


@nu-stat, this thread is regardng the Care Credit card by Synchrony Bank.

Message 9 of 9
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