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Care Credit Increases

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Valued Member

Care Credit Increases

So, I recently applied for a Care Credit account just because it seems like a practical card to have in the event it would be needed. I had burned synchrony in the past and was surprised to be accepted with a $1500 SL. Immediately after approval, I downloaded and registered on the app like I would set up any account to be tracked on my phone. Through the app I found the luv button and decided to see if they were holding anything back from me. I requested $8000 just as a high ball number. BOOM, instant $8100 increase to make it $9600 just minutes after approval. Knowing I might have requested less than my max potential - I wasn't done there.

 

I requested another increase to $15000 - another instant approval to make the total limit $12000. I was shocked.

 

This is a fantastic padding to my utilization and I'm excited to see the effect it takes on my scores!


FICO 8: 6/13/2019 - 10.5%
38 REPLIES 38
Community Leader
Mega Contributor

Re: Care Credit Increases

Wow! Nice job. Sync likes to give more than requested on this account. EnjoySmiley Happy
#ChaseCreditCardHobby Enthusiast
2022
!
Message 2 of 39
Valued Contributor

Re: Care Credit Increases

Congrats on the approval and CLIs! 1.5k to 12k!


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 3 of 39
Valued Contributor

Re: Care Credit Increases

YOU...

awesome congratulations GIF by Slanted Studios

CONGRATULATIONS on your Approval and your MASSIVE SL!!!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Discover $19K | 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 WEMC $6K | NFCU cashRewards $1K
TCL - $117.5K+ | Rebuilding since April 2018
Message 4 of 39
Regular Contributor

Re: Care Credit Increases

Congrats on the massive CLI on a brand new account.  I get so jealous lol each time I see someone get the CLI with CareCredit.  I couldn't for the life of me get any CLI.



Message 5 of 39
Community Leader
Mega Contributor

Re: Care Credit Increases

@Vu, im shocked Sync wont show luv at your 697 TU. Thats the bread and butter scoreSmiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 6 of 39
Community Leader
Mega Contributor

Re: Care Credit Increases

Congrats on your increase 

Message 7 of 39
Regular Contributor

Re: Care Credit Increases

@AverageJoesCredit

It has been 4 months since they updated their system to reflect my score.  Each time I request a CLI, they used the old score they pulled since November 2nd, 2018, and that score was 603 haha.

 

I asked Credit Solutions to pull a fresh score and they said no.  Called CS to see when they'll update their system so I don't waste my time asking for CLI and none can tell me when.  One manager said quarterly and obviously, she either lied or just throwing out a random number as it is currently more than 4 months.



Message 8 of 39
Senior Contributor

Re: Care Credit Increases

Congrats on your massive CLI's!!!

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
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 9 of 39
Valued Member

Re: Care Credit Increases

Thank you to everyone. This is unprecedented in my financial history so it really defines a milestone in my building efforts.

 

Good news though, I've already had a chance to make use of the card. After an eye exam and 2 new pairs of glasses, my insurance covered everything except $88. It's a good feeling when that $88 equates to less than .8% utilization.


FICO 8: 6/13/2019 - 10.5%
Message 10 of 39
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