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Approved for Scratchpay - SO happy I could cry!

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gdale6
Moderator Emeritus

Re: Approved for Scratchpay - SO happy I could cry!

Sweet, grats on getting it Smiley Happy

Message 11 of 19
UH_HUH
Valued Contributor

Re: Approved for Scratchpay - SO happy I could cry!


@Anonymous wrote:

My cat is having elective/emergency surgery tomorrow (he has a tumor on his bladder, and while it's technically elective surgery to me it's absolutely an emergency). The original estimate I got was affordable, but the official estimate that hit me this morning is almost double. I had some money saved and all, but not *this* much.

 

I don't qualify for CareCredit (burnt Synch a while back, and still have a lot of derog info on my account - working through it!). I decided to see what other options they have for payment at the vet clinic and came across Scratchpay. I did not expect at all to be approved and when I did get approved, I almost cried. This is such a relief. The whole estimate is covered, although it may still end up costing less.Plus, I have the funds that I already put away for his surgery too. I'm honestly so relieved, I'm about to celebrate with a Margarita (it's only 3 pm here, lol). I've been working so hard on cleaning up my credit these past few months, got some collections removed, paid off C/Os, etc. and I feel like it's all been worth it in the end, because now I when I need emergency assistance like this I can actually get it.

 

Thank you everyone on this forum!!!

 

p.s. I know Scratchpay is not a CC but a medical type loan, but I hope this is still okay.


Congratulations on your approval!!!

You are going to be able to help your cat,

that's what is important :-)

Thank you for sharing your story,

Good Luck!

Cheers

Message 12 of 19
Anonymous
Not applicable

Re: Approved for Scratchpay - SO happy I could cry!

Well done!  Congratulations and prayers for successful surgery and speedy, full recovery!🙏🏼❤️🐱

Message 13 of 19
Meanmchine
Super Contributor

Re: Approved for Scratchpay - SO happy I could cry!

Who cares if its a credit card or not as long as your cat gets better

Congrats !

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>3/2025 All 3 reports 845 - 850(F8) F9s = 835ish but my app finger is still twitching
Message 14 of 19
stonedog23
Frequent Contributor

Re: Approved for Scratchpay - SO happy I could cry!

Congrats on your approval and thanks for educating someone like me who had never heard of this option. You do learn something every day. Hope the surgery goes well. 

NFCU GoRewards Sig ($40,000), NFCU Cash Rewards ($40,000), PenFed Power Cash ($25,000), FNBO Evergreen Visa ($20,000), Bread Financial Rewards Amex ($21,150), PNC Cash Rewards ($18,400), PNC Cashbuilder ($18,700) , One Key Mastercard ($14,000), Citi Double Cash ($11,600), US Bank Cash Plus($10,000), Discover It Cash ($9000), Capital One Quicksilver MC ($9000), Bank of America Unlimited Cash Rewards ($7500), Fifth Third Unlimited Cash Back Mastercard ($7500), Wells Fargo Active Cash Sig($7000), Apple Card ($6000), Amex BCE($6000), Amex ED($6600), X1 Card ($5000), PNC Points ($8000), Amex Cash Magnet($2000), Fifth Third Truly Simple ($4000), Truist Spectrum Cash Rewards($4500), Truist Bright Card($4500), CapOne Quicksilver(Bucketed @$1500 manually lowered to $500), US Bank Cash+ ($1,000), WF mortgage 195K Fico 8: EQ 778, TU 765, EX 758 FICO 9:EQ 829, TU 812, EX 791, AAoA-97 months, AoOA-28 years
Message 15 of 19
CreditAggie
Community Leader
Super Contributor

Re: Approved for Scratchpay - SO happy I could cry!

Congratulations on your Scratchpay approval!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (March 2025):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 16 of 19
Anonymous
Not applicable

Re: Approved for Scratchpay - SO happy I could cry!

Congrats on your approval!

Message 17 of 19
soxfaininfl
Frequent Contributor

Re: Approved for Scratchpay - SO happy I could cry!

Congratulations on your approval!!! I hope your cat will be okay! I have 4 myself and two dogs. I've had a lot of expenses with my animals in the last 6 months. I wish I knew this existed sooner I also burned Care Credit in my BK7, so they won't be an option for me anytime soon. 









Message 18 of 19
Iusedtolurk
Established Contributor

Re: Approved for Scratchpay - SO happy I could cry!


@Anonymous wrote:

My cat is having elective/emergency surgery tomorrow (he has a tumor on his bladder, and while it's technically elective surgery to me it's absolutely an emergency). The original estimate I got was affordable, but the official estimate that hit me this morning is almost double. I had some money saved and all, but not *this* much.

 

I don't qualify for CareCredit (burnt Synch a while back, and still have a lot of derog info on my account - working through it!). I decided to see what other options they have for payment at the vet clinic and came across Scratchpay. I did not expect at all to be approved and when I did get approved, I almost cried. This is such a relief. The whole estimate is covered, although it may still end up costing less.Plus, I have the funds that I already put away for his surgery too. I'm honestly so relieved, I'm about to celebrate with a Margarita (it's only 3 pm here, lol). I've been working so hard on cleaning up my credit these past few months, got some collections removed, paid off C/Os, etc. and I feel like it's all been worth it in the end, because now I when I need emergency assistance like this I can actually get it.

 

Thank you everyone on this forum!!!

 

p.s. I know Scratchpay is not a CC but a medical type loan, but I hope this is still okay.


Congrats on getting an approval to help with your cats medical needs and also for your positve credit score climb from the 400s.  I'm sure Scratch pay will be getting a few more apps due to your post.

Message 19 of 19
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