Need advice Please!

[Anonymous]

---

@myjourney wrote:

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

I want to apply for care credit but I'm not sure if this is a good time..... my TU score is 691 I currently have a few cards one with Sync (Paypal Mastercard) I just increased my limit to 6k 2 weeks ago but my new limit is not showing up on the Credit report yet.....  the highet limit showing on my reports is Cabela's for 3k..... what do you think my chances are with getting approved?

Thanks Family!

---

MssRemaa, Hey hey

I'd say chances are good but question: Would another card with a $0% long term suit you better?

---

Sure! you have something in mind?

My only use for the care credit card would be for cosmetic surgery....

---

Well alrightyyyy then Lol

Ok when will you need the credit?

Is the ED card under 0% and do you have any others with a promo?

Are the scores in your sig current?

I'm going entirely on what's in sig and it looks like all TL's are for 2015 is that correct?

---

I will need it around April, My ED card I have no idea Lol, Yes my scores are in the Sig are currect exp EX (My worst score) I hate Ex lol and yes all TL are from 2015

[myjourney]

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

I want to apply for care credit but I'm not sure if this is a good time..... my TU score is 691 I currently have a few cards one with Sync (Paypal Mastercard) I just increased my limit to 6k 2 weeks ago but my new limit is not showing up on the Credit report yet.....  the highet limit showing on my reports is Cabela's for 3k..... what do you think my chances are with getting approved?

Thanks Family!

---

MssRemaa, Hey hey

I'd say chances are good but question: Would another card with a $0% long term suit you better?

---

Sure! you have something in mind?

My only use for the care credit card would be for cosmetic surgery....

---

Well alrightyyyy then Lol

Ok when will you need the credit?

Is the ED card under 0% and do you have any others with a promo?

Are the scores in your sig current?

I'm going entirely on what's in sig and it looks like all TL's are for 2015 is that correct?

---

I will need it around April, My ED card I have no idea Lol, Yes my scores are in the Sig are currect exp EX (My worst score) I hate Ex lol and yes all TL are from 2015

---

How long of a term are you looking for payoff?

I'm also thinking you have a promo on ED 0% for 12 months which would make that good until 08/16 

So far I'm thinking Cap1 or a Citi card Chase is out due to 5/24 rule 

[Anonymous]

---

@myjourney wrote:

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

I want to apply for care credit but I'm not sure if this is a good time..... my TU score is 691 I currently have a few cards one with Sync (Paypal Mastercard) I just increased my limit to 6k 2 weeks ago but my new limit is not showing up on the Credit report yet.....  the highet limit showing on my reports is Cabela's for 3k..... what do you think my chances are with getting approved?

Thanks Family!

---

MssRemaa, Hey hey

I'd say chances are good but question: Would another card with a $0% long term suit you better?

---

Sure! you have something in mind?

My only use for the care credit card would be for cosmetic surgery....

---

Well alrightyyyy then Lol

Ok when will you need the credit?

Is the ED card under 0% and do you have any others with a promo?

Are the scores in your sig current?

I'm going entirely on what's in sig and it looks like all TL's are for 2015 is that correct?

---

I will need it around April, My ED card I have no idea Lol, Yes my scores are in the Sig are currect exp EX (My worst score) I hate Ex lol and yes all TL are from 2015

---

How long of a term are you looking for payoff?

I'm also thinking you have a promo on ED 0% for 12 months which would make that good until 08/16 

So far I'm thinking Cap1, Discover or a Citi card Chase is out due to 5/24 rule 

---

Payoff within 2yrs and I already have Discover

[myjourney]

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

I want to apply for care credit but I'm not sure if this is a good time..... my TU score is 691 I currently have a few cards one with Sync (Paypal Mastercard) I just increased my limit to 6k 2 weeks ago but my new limit is not showing up on the Credit report yet.....  the highet limit showing on my reports is Cabela's for 3k..... what do you think my chances are with getting approved?

Thanks Family!

---

MssRemaa, Hey hey

I'd say chances are good but question: Would another card with a $0% long term suit you better?

---

Sure! you have something in mind?

My only use for the care credit card would be for cosmetic surgery....

---

Well alrightyyyy then Lol

Ok when will you need the credit?

Is the ED card under 0% and do you have any others with a promo?

Are the scores in your sig current?

I'm going entirely on what's in sig and it looks like all TL's are for 2015 is that correct?

---

I will need it around April, My ED card I have no idea Lol, Yes my scores are in the Sig are currect exp EX (My worst score) I hate Ex lol and yes all TL are from 2015

---

How long of a term are you looking for payoff?

I'm also thinking you have a promo on ED 0% for 12 months which would make that good until 08/16 

So far I'm thinking Cap1, Discover or a Citi card Chase is out due to 5/24 rule 

---

Payoff within 2yrs and I already have Discover

---

Lol I edited it but you had it already Lol ....saw the Discover

Citi Diamond or Simplicity both with 0% for 21 months 

Cap1 Venture one QS

You have a cap1 in sig what is it?

[Anonymous]

---

@myjourney wrote:

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

I want to apply for care credit but I'm not sure if this is a good time..... my TU score is 691 I currently have a few cards one with Sync (Paypal Mastercard) I just increased my limit to 6k 2 weeks ago but my new limit is not showing up on the Credit report yet.....  the highet limit showing on my reports is Cabela's for 3k..... what do you think my chances are with getting approved?

Thanks Family!

---

MssRemaa, Hey hey

I'd say chances are good but question: Would another card with a $0% long term suit you better?

---

Sure! you have something in mind?

My only use for the care credit card would be for cosmetic surgery....

---

Well alrightyyyy then Lol

Ok when will you need the credit?

Is the ED card under 0% and do you have any others with a promo?

Are the scores in your sig current?

I'm going entirely on what's in sig and it looks like all TL's are for 2015 is that correct?

---

I will need it around April, My ED card I have no idea Lol, Yes my scores are in the Sig are currect exp EX (My worst score) I hate Ex lol and yes all TL are from 2015

---

How long of a term are you looking for payoff?

I'm also thinking you have a promo on ED 0% for 12 months which would make that good until 08/16 

So far I'm thinking Cap1, Discover or a Citi card Chase is out due to 5/24 rule 

---

Payoff within 2yrs and I already have Discover

---

Lol I edited it but you had it already Lol ....saw the Discover

Citi Diamond or Simplicity both with 0% for 21 months 

Cap1 Venture one QS

You have a cap1 in sig what is it?

---

That's an old account that's no longer open... I need to remove it from my sig.......

What kind of scores do I need for Citi and what do they look for?

[myjourney]

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

I want to apply for care credit but I'm not sure if this is a good time..... my TU score is 691 I currently have a few cards one with Sync (Paypal Mastercard) I just increased my limit to 6k 2 weeks ago but my new limit is not showing up on the Credit report yet.....  the highet limit showing on my reports is Cabela's for 3k..... what do you think my chances are with getting approved?

Thanks Family!

---

MssRemaa, Hey hey

I'd say chances are good but question: Would another card with a $0% long term suit you better?

---

Sure! you have something in mind?

My only use for the care credit card would be for cosmetic surgery....

---

Well alrightyyyy then Lol

Ok when will you need the credit?

Is the ED card under 0% and do you have any others with a promo?

Are the scores in your sig current?

I'm going entirely on what's in sig and it looks like all TL's are for 2015 is that correct?

---

I will need it around April, My ED card I have no idea Lol, Yes my scores are in the Sig are currect exp EX (My worst score) I hate Ex lol and yes all TL are from 2015

---

How long of a term are you looking for payoff?

I'm also thinking you have a promo on ED 0% for 12 months which would make that good until 08/16 

So far I'm thinking Cap1, Discover or a Citi card Chase is out due to 5/24 rule 

---

Payoff within 2yrs and I already have Discover

---

Lol I edited it but you had it already Lol ....saw the Discover

Citi Diamond or Simplicity both with 0% for 21 months 

Cap1 Venture one QS

You have a cap1 in sig what is it?

---

That's an old account that's no longer open... I need to remove it from my sig.......

What kind of scores do I need for Citi and what do they look for?

---

Current EX and EQ score should be good and since you don't need until April let scores grow for either lender

No baddies?

[Anonymous]

---

@myjourney wrote:

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

I want to apply for care credit but I'm not sure if this is a good time..... my TU score is 691 I currently have a few cards one with Sync (Paypal Mastercard) I just increased my limit to 6k 2 weeks ago but my new limit is not showing up on the Credit report yet.....  the highet limit showing on my reports is Cabela's for 3k..... what do you think my chances are with getting approved?

Thanks Family!

---

MssRemaa, Hey hey

I'd say chances are good but question: Would another card with a $0% long term suit you better?

---

Sure! you have something in mind?

My only use for the care credit card would be for cosmetic surgery....

---

Well alrightyyyy then Lol

Ok when will you need the credit?

Is the ED card under 0% and do you have any others with a promo?

Are the scores in your sig current?

I'm going entirely on what's in sig and it looks like all TL's are for 2015 is that correct?

---

I will need it around April, My ED card I have no idea Lol, Yes my scores are in the Sig are currect exp EX (My worst score) I hate Ex lol and yes all TL are from 2015

---

How long of a term are you looking for payoff?

I'm also thinking you have a promo on ED 0% for 12 months which would make that good until 08/16 

So far I'm thinking Cap1, Discover or a Citi card Chase is out due to 5/24 rule 

---

Payoff within 2yrs and I already have Discover

---

Lol I edited it but you had it already Lol ....saw the Discover

Citi Diamond or Simplicity both with 0% for 21 months 

Cap1 Venture one QS

You have a cap1 in sig what is it?

---

That's an old account that's no longer open... I need to remove it from my sig.......

What kind of scores do I need for Citi and what do they look for?

---

Current EX and EQ score should be good and since you don't need until April let scores grow for either lender

No baddies?

---

None on EQ..... One on Ex from 4 years ago smh

Are paid collections considered baddies? I have one on all reports that was put on there after I paid and drop my scores really low smh

[myjourney]

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

I want to apply for care credit but I'm not sure if this is a good time..... my TU score is 691 I currently have a few cards one with Sync (Paypal Mastercard) I just increased my limit to 6k 2 weeks ago but my new limit is not showing up on the Credit report yet.....  the highet limit showing on my reports is Cabela's for 3k..... what do you think my chances are with getting approved?

Thanks Family!

---

MssRemaa, Hey hey

I'd say chances are good but question: Would another card with a $0% long term suit you better?

---

Sure! you have something in mind?

My only use for the care credit card would be for cosmetic surgery....

---

Well alrightyyyy then Lol

Ok when will you need the credit?

Is the ED card under 0% and do you have any others with a promo?

Are the scores in your sig current?

I'm going entirely on what's in sig and it looks like all TL's are for 2015 is that correct?

---

I will need it around April, My ED card I have no idea Lol, Yes my scores are in the Sig are currect exp EX (My worst score) I hate Ex lol and yes all TL are from 2015

---

How long of a term are you looking for payoff?

I'm also thinking you have a promo on ED 0% for 12 months which would make that good until 08/16 

So far I'm thinking Cap1, Discover or a Citi card Chase is out due to 5/24 rule 

---

Payoff within 2yrs and I already have Discover

---

Lol I edited it but you had it already Lol ....saw the Discover

Citi Diamond or Simplicity both with 0% for 21 months 

Cap1 Venture one QS

You have a cap1 in sig what is it?

---

That's an old account that's no longer open... I need to remove it from my sig.......

What kind of scores do I need for Citi and what do they look for?

---

Current EX and EQ score should be good and since you don't need until April let scores grow for either lender

No baddies?

---

None on EQ..... One on Ex from 4 years ago smh

Are paid collections considered baddies? I have one on all reports that was put on there after I paid and drop my scores really low smh

---

Paid collections are always better than not 

In 2 months with a solid plan and putting all ducks in order I think you'll be fine

So maximize scoring via UTL until then and go for some SP CLI's if possible 

[Anonymous]

---

@myjourney wrote:

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

I want to apply for care credit but I'm not sure if this is a good time..... my TU score is 691 I currently have a few cards one with Sync (Paypal Mastercard) I just increased my limit to 6k 2 weeks ago but my new limit is not showing up on the Credit report yet.....  the highet limit showing on my reports is Cabela's for 3k..... what do you think my chances are with getting approved?

Thanks Family!

---

MssRemaa, Hey hey

I'd say chances are good but question: Would another card with a $0% long term suit you better?

---

Sure! you have something in mind?

My only use for the care credit card would be for cosmetic surgery....

---

Well alrightyyyy then Lol

Ok when will you need the credit?

Is the ED card under 0% and do you have any others with a promo?

Are the scores in your sig current?

I'm going entirely on what's in sig and it looks like all TL's are for 2015 is that correct?

---

I will need it around April, My ED card I have no idea Lol, Yes my scores are in the Sig are currect exp EX (My worst score) I hate Ex lol and yes all TL are from 2015

---

How long of a term are you looking for payoff?

I'm also thinking you have a promo on ED 0% for 12 months which would make that good until 08/16 

So far I'm thinking Cap1, Discover or a Citi card Chase is out due to 5/24 rule 

---

Payoff within 2yrs and I already have Discover

---

Lol I edited it but you had it already Lol ....saw the Discover

Citi Diamond or Simplicity both with 0% for 21 months 

Cap1 Venture one QS

You have a cap1 in sig what is it?

---

That's an old account that's no longer open... I need to remove it from my sig.......

What kind of scores do I need for Citi and what do they look for?

---

Current EX and EQ score should be good and since you don't need until April let scores grow for either lender

No baddies?

---

None on EQ..... One on Ex from 4 years ago smh

Are paid collections considered baddies? I have one on all reports that was put on there after I paid and drop my scores really low smh

---

Paid collections are always better than not 

In 2 months with a solid plan and putting all ducks in order I think you'll be fine

So maximize scoring via UTL until then and go for some SP CLI's if possible 

---

Okay! I just got my Barclay and Paypal Cli 2 weeks ago but not showing up yet on credit reports..... Discover gave me an increase last month for $500 smh

right now I have a balance on 3 of my cards.... not to high but If I pay all of them off will that increase my scores?

Also I just got an email that my score drop bcus an auto was paid so my score dropped 9 pts..... will the new auto loan lower my score as well once it report?

[myjourney]

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

---

@myjourney wrote:

---

@Anonymous wrote:

I want to apply for care credit but I'm not sure if this is a good time..... my TU score is 691 I currently have a few cards one with Sync (Paypal Mastercard) I just increased my limit to 6k 2 weeks ago but my new limit is not showing up on the Credit report yet.....  the highet limit showing on my reports is Cabela's for 3k..... what do you think my chances are with getting approved?

Thanks Family!

---

MssRemaa, Hey hey

I'd say chances are good but question: Would another card with a $0% long term suit you better?

---

Sure! you have something in mind?

My only use for the care credit card would be for cosmetic surgery....

---

Well alrightyyyy then Lol

Ok when will you need the credit?

Is the ED card under 0% and do you have any others with a promo?

Are the scores in your sig current?

I'm going entirely on what's in sig and it looks like all TL's are for 2015 is that correct?

---

I will need it around April, My ED card I have no idea Lol, Yes my scores are in the Sig are currect exp EX (My worst score) I hate Ex lol and yes all TL are from 2015

---

How long of a term are you looking for payoff?

I'm also thinking you have a promo on ED 0% for 12 months which would make that good until 08/16 

So far I'm thinking Cap1, Discover or a Citi card Chase is out due to 5/24 rule 

---

Payoff within 2yrs and I already have Discover

---

Lol I edited it but you had it already Lol ....saw the Discover

Citi Diamond or Simplicity both with 0% for 21 months 

Cap1 Venture one QS

You have a cap1 in sig what is it?

---

That's an old account that's no longer open... I need to remove it from my sig.......

What kind of scores do I need for Citi and what do they look for?

---

Current EX and EQ score should be good and since you don't need until April let scores grow for either lender

No baddies?

---

None on EQ..... One on Ex from 4 years ago smh

Are paid collections considered baddies? I have one on all reports that was put on there after I paid and drop my scores really low smh

---

Paid collections are always better than not 

In 2 months with a solid plan and putting all ducks in order I think you'll be fine

So maximize scoring via UTL until then and go for some SP CLI's if possible 

---

Okay! I just got my Barclay and Paypal Cli 2 weeks ago but not showing up yet on credit reports..... Discover gave me an increase last month for $500 smh

right now I have a balance on 3 of my cards.... not to high but If I pay all of them off will that increase my scores?

Go with the golden rule 1 card 1-9% and yes you should see some gains in scores 

Also I just got an email that my score drop bcus an auto was paid so my score dropped 9 pts..... will the new auto loan lower my score as well once it report? 

If you had a paid installment loan (auto) and then got a new one (BMW) congrats BTW yes having a new installement loan should help your mix of credit again 

---