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

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Senior Contributor

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

Congrats on your CLI !!!!

 

3-2019 / Fico 8 EX 802 , EQ 803 , TR 805
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 11 of 23
Frequent Contributor

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

Congrats on your approval. As far as CLI, YMMV. You can try as soon as you get the card. Credit solutions helps some and not others. But you can tap the love button as soon as you get the card.

SspW.gif


4/14/18 EQ: 653 TU: 666 EX: 669

9/29/18 EQ:729 EX:712 TU: 715

Message 12 of 23
Valued Contributor

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

Congrats on your approval

However, if your scores are current, I seriously doubt you will be successful. Wait til you scoes cross 620 minimum.  Synchrony cares about TU score.




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>06/2019 CCT EX 829 TU 848 EQ 837
Thus will it come to pass. The Dying Leader will know the truth of the Opera House. The missing Three will give you the Five, who've come from the Home of the Thirteenth. You are the Harbinger of Death, Kara Thrace. You will lead them all to their End. End of line.
Message 13 of 23
Community Leader
Valued Contributor

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

Congrats! Good timing indeed 

Discover It: 18.7k
Amex BCE: 18k
Citi DC: 4.7k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 14 of 23
Frequent Contributor

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

I asked for $12,000 from $4,500, they said no to $12,000 but gave me a boost to $7,000.

 

Every little bit helps!

 

Would like to get LASEK someday maybe. 

Message 15 of 23
Frequent Contributor

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

Hit the CLI button, no love. I will wait until a few payments are made, have the FICOs update to 620ish in a few months and try again.

Thanks everyone for the advise and help.

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 16 of 23
Regular Contributor

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

FWIW,

 

I opened CareCredit back in November with a 1K SL.  As a few days ago, my CLI request is a no go.  My current score with TU is 698 and the score does show up online in my CareCredit online account.

 

BUT, the system that approving the CLI still using the original score that I approved with when applied for the account, which was at 603.  And it is still showing 603 as the reason for denial of CLI.

 

I called and spoke to Credit Solutions and they offered no explanation or any help. No one at Synchrony can explain to me why the system still using the score that is 5 months old.







Message 17 of 23
Frequent Contributor

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

698 seems sufficient enough.

They increased me with just around a 659 from $4500 to $7000 and I have only used them once for $15 worth of health and beauty at walmart. 

Message 18 of 23
Regular Contributor

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


@Hockeypnc1 wrote:

698 seems sufficient enough.

They increased me with just around a 659 from $4500 to $7000 and I have only used them once for $15 worth of health and beauty at walmart. 


The thing is they would not use my recent score.  They stick with the score that is 5 months old and keep on declining my CLI.







Message 19 of 23
Frequent Contributor

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

Oh so they're using the 603 then. 

Message 20 of 23