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Care Credit Approval / Right on Time! When to push CLI button?

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Frequent Contributor

Care Credit Approval / Right on Time! When to push CLI button?

DS needs braces Smiley Surprised 

Figured I'd give it a shot - 'approved'!  Just in time because DS's appointment is in two weeks.

Also a nice little addition to the credit file as I rebuild, the online profile is still being built.

 

My question to the Care Credit CC holders here is how long did you wait until you hit the CLI button?

 

Thanks!

 


Starting Score: EX 551|TU 565|EQ 556
Current Score: EX 551|TU 565|EQ 556
Goal Score: EX 620|TU 620|EQ620


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Message 1 of 23
22 REPLIES 22
New Visitor

Re: Care Credit Approval / Right on Time! When to push CLI button?

Hi, can you tell me which credit B did care credit pull your credit from? I would like to apply but want to limit to many inquiries on one report.

Thanks in advance for your feed back
Message 2 of 23
Highlighted
Frequent Contributor

Re: Care Credit Approval / Right on Time! When to push CLI button?

Congratulations on your approval! 

 

I got mine on Feb 3rd, this year. I’ve hit the Luv button a couple of times. No increases as of yet. I’ve read on here that Synch is more receptive to online CLI requests after every 4th Statement. If you need an increase before then, the “backdoor numbers” thread has the appropriate telephone number(s) to call for Credit Solutions. Of course, YMMV. Hope this helps. Good luck!





Life’s a garden...Dig it!
Dangit.
Message 3 of 23
Frequent Contributor

Re: Care Credit Approval / Right on Time! When to push CLI button?

They Pulled TU for me.


Starting Score: EX 551|TU 565|EQ 556
Current Score: EX 551|TU 565|EQ 556
Goal Score: EX 620|TU 620|EQ620


Take the myFICO Fitness Challenge


Message 4 of 23
Frequent Contributor

Re: Care Credit Approval / Right on Time! When to push CLI button?


@Princesskita wrote:
Hi, can you tell me which credit B did care credit pull your credit from? I would like to apply but want to limit to many inquiries on one report.

Thanks in advance for your feed back

Synch pulled TU for me.





Life’s a garden...Dig it!
Dangit.
Message 5 of 23
Moderator

Re: Care Credit Approval / Right on Time! When to push CLI button?

With luv button its typically every 4th statement and anytime with a call to Credit Solutions. Grats on the card Smiley Happy

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 6 of 23
New Visitor

Re: Care Credit Approval / Right on Time! When to push CLI button?

Thank you for your feed back
Message 7 of 23
Valued Contributor

Re: Care Credit Approval / Right on Time! When to push CLI button?

YOU...

awesome congratulations GIF by Slanted Studios

CONGRATS on your Approval!!!

 

I got approved for the CareCredit card on Oct. 5th with a $5,000 SL and I logged into my account once I got access and immediately hit the LUV button for an increase to $7,000.  The response was a CLI to $8,400.

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Discover $15.5K | OpenSky $300 BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) | BBVA Compass Rewards VS $10.5K |
Apple Card MC $6K | NFCU cashRewards $1K
TCL - $114K+ | Rebuilding since April 2018
Message 8 of 23
Established Contributor

Re: Care Credit Approval / Right on Time! When to push CLI button?

Congratulations on your Care Credit approval.  I got mine when my wife (ex-wife now) needed dental work.  It started at $2K.  Then later when she needed more that exceeded $2K, I called and asked for more and informed them of the specific reason for the requested increase, and they upped me to $4K.  A few years later I needed to cover the braces for both my kids, so I called again and gave them the specific reason for the request and they upped it to $12K.  Just this year I contemplated some cosmetic procedures.  although the $12K limit would've allowed for the $7.6K procedure, I called them and explained I'd like to keep my utilization lower and asked for $25K even though my anticipated purchase was only going to be $7.6K.  Again, they approved me for $25K.  Each CLI was a SP, and each time I called and spoke to a CSR so I could offer a little context to my request.  It isn't necessary, but I do believe it has helped me maintain a good relationship with them.  I hope this helps, Care Credit is one of the more versitile cards that doesn't give rewards or points!  If you ask your provider they are the ones that can offer promotional 6-24 month interest free purchases.  For that reason alone I always want to be in good communication with Synchrony.  It is my only Synchrony product in case anyone is wondering.  Good luck!


@HindSight_20_20 wrote:

DS needs braces Smiley Surprised 

Figured I'd give it a shot - 'approved'!  Just in time because DS's appointment is in two weeks.

Also a nice little addition to the credit file as I rebuild, the online profile is still being built.

 

My question to the Care Credit CC holders here is how long did you wait until you hit the CLI button?

 

Thanks!

 


 

Back In the garden June 2019 until TBD
FICO 8 Scores (Inquiries) May 29, 2019

Military Star - $8.7K | FCCU Platinum Signature VISA - $13K | Care Credit - $25K | Barclay AA Red MC - $5K | Best Buy Citi Visa - $3K | Cap1 Savor - $3.1K | USAA Signature VISA - $6K | PFCU Power Cash Rewards Signature VISA - $28.5K | CSR $15K | USAA AMEX - $12K | AMEX BCP - $35K | Chase Freedom Signature Visa- $7.5K | HSBC Rewards MC - $1.75K | CITI DC - $10.3K | Discover It - $16K | NFCU Cash Rewards Signature Visa - $10K | NFCU CLOC - $15K | TD Ameritrade Client Rewards Visa - $1.5K | Chase FU Signature $15K | Citi AA Plat MC $13K
AAoA 6 Yrs 10 Mos AoOA 16 Yrs 2 Mos AoYA 1 Mos
Currently 13/24
4/24 on 1/14/20
1/24 on 3/15/20
0/24 on 3/20/21
Installment Loans
BMW $36.4K of $65.3K @ .99% (44.3% Paid)
Student Loans $32K of $66.65K @ 2.75% (51.93% Paid)
Annual Income ~ $110K
Message 9 of 23
Valued Contributor

Re: Care Credit Approval / Right on Time! When to push CLI button?


@ttulaw wrote:

Congratulations on your Care Credit approval.  I got mine when my wife (ex-wife now) needed dental work.  It started at $2K.  Then later when she needed more that exceeded $2K, I called and asked for more and informed them of the specific reason for the requested increase, and they upped me to $4K.  A few years later I needed to cover the braces for both my kids, so I called again and gave them the specific reason for the request and they upped it to $12K.  Just this year I contemplated some cosmetic procedures.  although the $12K limit would've allowed for the $7.6K procedure, I called them and explained I'd like to keep my utilization lower and asked for $25K even though my anticipated purchase was only going to be $7.6K.  Again, they approved me for $25K.  Each CLI was a SP, and each time I called and spoke to a CSR so I could offer a little context to my request.  It isn't necessary, but I do believe it has helped me maintain a good relationship with them.  I hope this helps, Care Credit is one of the more versitile cards that doesn't give rewards or points!  If you ask your provider they are the ones that can offer promotional 6-24 month interest free purchases.  For that reason alone I always want to be in good communication with Synchrony.  It is my only Synchrony product in case anyone is wondering.  Good luck!


@HindSight_20_20 wrote:

DS needs braces Smiley Surprised 

Figured I'd give it a shot - 'approved'!  Just in time because DS's appointment is in two weeks.

Also a nice little addition to the credit file as I rebuild, the online profile is still being built.

 

My question to the Care Credit CC holders here is how long did you wait until you hit the CLI button?

 

Thanks!

 


 


Thanks for showing me how to get my CareCredit account to $25K!Smiley LOL

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Discover $15.5K | OpenSky $300 BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) | BBVA Compass Rewards VS $10.5K |
Apple Card MC $6K | NFCU cashRewards $1K
TCL - $114K+ | Rebuilding since April 2018
Message 10 of 23
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