Care Credit approval

TRC_WA · ‎06-08-2022

I had a Care Credit account years ago with a $4000 limit and used it in 2008 for my LASIK procedure. Paid it off and closed the account.

14 years later although I don't have any procedures coming up I decided it would be nice to get another card just to have for emergencies... and it would also be nice to pad the UTI.

I did the prequal... asked the cost of my procedure.. I said $6k. It told me I had an offer for a $6k SL. So I backed out... did it again and put $8k and it said the same thing.

So I submitted the app and was approved for an $8k SL... and got an immediately notification they pulled TU which is my lowest score currently at 652.

Still... $8k is great! I'll take it! Maybe I should have went for $10k but whatever! LOL!

FICO8 current as of : 2-1-26 EQ: 713 TU: 702 EX: 705
Hard INQs last 12 months: EQ: 1 | TU: 2 | EX: 1
Verizon Visa $8500 Amex Delta Gold $10,000 Care Credit $18,000
NFCU CashRewards $13,500 Apple Card $7000 Best Buy $8000 Amazon $5000
STCU auto loan (2026 Hyundai Palisade Hybrid) 6.24%
HDFS motorcycle loan (2024 Harley Davidson Road Glide) 9.45%
Total CL: $70,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $257k
Last app: 1-31-26

CreditMagic7 · ‎06-08-2022

Congratulations on your NEW Care Credit Card Account approval!!

pizza1 · ‎06-08-2022

Congrats to you, but you should know with Synch, always ask high! They counter

TRC_WA · ‎06-08-2022

@pizza1 wrote:
Congrats to you, but you should know with Synch, always ask high! They counter

It's all good! I know I could have gotten more but it's really fine! $8k will definitely pad the UTI. I mean heck... the dental work last year I had and have already paid for was only $5k!

FICO8 current as of : 2-1-26 EQ: 713 TU: 702 EX: 705
Hard INQs last 12 months: EQ: 1 | TU: 2 | EX: 1
Verizon Visa $8500 Amex Delta Gold $10,000 Care Credit $18,000
NFCU CashRewards $13,500 Apple Card $7000 Best Buy $8000 Amazon $5000
STCU auto loan (2026 Hyundai Palisade Hybrid) 6.24%
HDFS motorcycle loan (2024 Harley Davidson Road Glide) 9.45%
Total CL: $70,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $257k
Last app: 1-31-26

gdale6 · ‎06-08-2022

8K is a good start, it will grow, grats on it!!

CreditAggie · ‎06-08-2022

Congratulations on your Care Credit approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (June 2026):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

Elpadrino1 · ‎06-08-2022

Congratulations on your approval!!

babygirl1256 · ‎06-08-2022

Congrats on your Care Credit approval.

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850

NalekSok · ‎06-09-2022

Congratulations on your approval! 🎉

JaayC5 · ‎06-09-2022

Congratulations! I did something similar with Care Credit about two years ago. But I never used the line at all. So it closed within the first year. Just a heads up for ya.