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Care Credit approved for $4K

joe8185
Valued Contributor

Care Credit approved for $4K

Applied for Care Credit today to cover various upcoming and future medical expenses (hearing, veterinary, dental and vision) and was approved for $4,000! Synchrony pulled EX, which has my best score currently (694). This sends my total revolving credit up to a whopping $23,351 - and at this time last year I had only $951 on a Capital One secured MC! P.S. After this, Synchrony really has no excuse not to give me a CLI on my Amazon Prime card. Smiley Tongue

Ch 7 BK discharged 11/28/14, credit rebuild well advanced. FICO:TU 680 FICO 8 (3/2/19) or 687 FICO 9/EX 694 FICO 8/EQ 685 FICO 8 or 674 FICO 9 (NFCU 3/3/19), VS 3.0 10/17/18: TU 702/EX 699/EQ 698. $92.9k revolving credit as of 1/31/19; $1K NFCU cashRewards Visa, $2K BJ's Perks MC, $5.1k Discover It #1, $6.5k Discover It #2 (new 3/12/18), $3.5k Petal Visa, $6k Paypal 2% CB MC, $6k Amazon Prime Store Card, $6k Walmart Store Card, $7k Apple FCU Platinum Visa, $7k Penfed Power Cash Rewards Visa, $11.8k Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening: 3 months, 19 days as of 1/31/19. 24 HP inqs total as of 10/12/18: 10 TU, 9 EQ, 5 EX (about half over 1 year old).
Message 7 of 22
21 REPLIES 21
joe8185
Valued Contributor

Care Credit approved, $4K

I applied for Synchrony's Care Credit card just now and was approved for a $4,000 line. They pulled EX which is currently my best score (694). My current total credit lines add up to $19,351, so this will boost my total revolving credit to a whopping $23,351 and send overall utilization plummeting downward. And to think that at this time last year, I only had $951 in revolving credit on a Cap One secured MC!

 

Interestingly enough, my mother recommended this card to me nearly a year ago, but I didn't actually apply until today. I wear hearing aids and in fact have an appointment next week to see about getting new earmolds (those generally need to be replaced at least every two years) and connecting tubes, am preparing to engage a veterinarian for regular and emergency care of my two pet rabbits (I have pet health insurance from Nationwide and will be using those to repay any vet expenditures on the card), and also dental needs (I haven't been to a dentist in way too long, unfortunately). I also may need new glasses next year and my optometrist takes Care Credit, so there's that as well. I'm not sure if my current source for prescriptions accepts Care Credit, but Rite Aid does, so I may have to look into that for the prescriptions that aren't covered by free generics.

 

Ch 7 BK discharged 11/28/14, credit rebuild well advanced. FICO:TU 680 FICO 8 (3/2/19) or 687 FICO 9/EX 694 FICO 8/EQ 685 FICO 8 or 674 FICO 9 (NFCU 3/3/19), VS 3.0 10/17/18: TU 702/EX 699/EQ 698. $92.9k revolving credit as of 1/31/19; $1K NFCU cashRewards Visa, $2K BJ's Perks MC, $5.1k Discover It #1, $6.5k Discover It #2 (new 3/12/18), $3.5k Petal Visa, $6k Paypal 2% CB MC, $6k Amazon Prime Store Card, $6k Walmart Store Card, $7k Apple FCU Platinum Visa, $7k Penfed Power Cash Rewards Visa, $11.8k Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening: 3 months, 19 days as of 1/31/19. 24 HP inqs total as of 10/12/18: 10 TU, 9 EQ, 5 EX (about half over 1 year old).
Message 1 of 22
joe8185
Valued Contributor

Care Credit approved for $4K

Applied for Care Credit today to cover various upcoming and future medical expenses (hearing, veterinary, dental and vision) and was approved for $4,000! Synchrony pulled EX which has my best score at the moment, $694. This sends my total revolving credit up to a whopping $23,351 - and at this time last year I had only $951 on a Capital One secured MC!

Ch 7 BK discharged 11/28/14, credit rebuild well advanced. FICO:TU 680 FICO 8 (3/2/19) or 687 FICO 9/EX 694 FICO 8/EQ 685 FICO 8 or 674 FICO 9 (NFCU 3/3/19), VS 3.0 10/17/18: TU 702/EX 699/EQ 698. $92.9k revolving credit as of 1/31/19; $1K NFCU cashRewards Visa, $2K BJ's Perks MC, $5.1k Discover It #1, $6.5k Discover It #2 (new 3/12/18), $3.5k Petal Visa, $6k Paypal 2% CB MC, $6k Amazon Prime Store Card, $6k Walmart Store Card, $7k Apple FCU Platinum Visa, $7k Penfed Power Cash Rewards Visa, $11.8k Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening: 3 months, 19 days as of 1/31/19. 24 HP inqs total as of 10/12/18: 10 TU, 9 EQ, 5 EX (about half over 1 year old).
Message 2 of 22
Musiclover
Super Contributor

Re: Care Credit approved, $4K

Congratulations! Good CL! I love the card. I use it for all my furry babies and for myself, as well.


Daily Drivers: Penfed Platinum Rewards; NFCU GoRewards; Discover..
Message 3 of 22
c00mtg
Valued Contributor

Re: Care Credit approved, $4K

Congrats!!

 

You're a great example of "only apply for card you actually need and will use " Smiley Happy




FICO 8 Scores EQ 704 / Goal 750, EX 706 / Goal 750, TU 724 / Goal 750

FICO 9 Scores EQ 726 / Goal 750, EX 683 / Goal 750, TU 726 / Goal 750
Message 4 of 22
AverageJoesCredit
Community Leader
Mega Contributor

Re: Care Credit approved for $4K

Congrats JoeSmiley Happy Now do the Sync leg, ask for 10 and see if they counter with12 lolSmiley Wink
NN7! Fico math 1 HP = 20 CG LIEr Club Plankowner
Message 5 of 22
scarfa21
Regular Contributor

Re: Care Credit approved for $4K

Congrats, I started with 2k with this, forgot I had it, a few months ago asked for and got 12k Bump.




Message 6 of 22
joe8185
Valued Contributor

Re: Care Credit approved for $4K

Guys, sorry about the dupe threads. My work PC connection was acting up and made me think the site was unavailable for some reason.
Ch 7 BK discharged 11/28/14, credit rebuild well advanced. FICO:TU 680 FICO 8 (3/2/19) or 687 FICO 9/EX 694 FICO 8/EQ 685 FICO 8 or 674 FICO 9 (NFCU 3/3/19), VS 3.0 10/17/18: TU 702/EX 699/EQ 698. $92.9k revolving credit as of 1/31/19; $1K NFCU cashRewards Visa, $2K BJ's Perks MC, $5.1k Discover It #1, $6.5k Discover It #2 (new 3/12/18), $3.5k Petal Visa, $6k Paypal 2% CB MC, $6k Amazon Prime Store Card, $6k Walmart Store Card, $7k Apple FCU Platinum Visa, $7k Penfed Power Cash Rewards Visa, $11.8k Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening: 3 months, 19 days as of 1/31/19. 24 HP inqs total as of 10/12/18: 10 TU, 9 EQ, 5 EX (about half over 1 year old).
Message 8 of 22
joe8185
Valued Contributor

Re: Care Credit approved, $4K

Apologies for all the dupes, my work connection was playing nasty tricks on me. Mods, please combine.
Ch 7 BK discharged 11/28/14, credit rebuild well advanced. FICO:TU 680 FICO 8 (3/2/19) or 687 FICO 9/EX 694 FICO 8/EQ 685 FICO 8 or 674 FICO 9 (NFCU 3/3/19), VS 3.0 10/17/18: TU 702/EX 699/EQ 698. $92.9k revolving credit as of 1/31/19; $1K NFCU cashRewards Visa, $2K BJ's Perks MC, $5.1k Discover It #1, $6.5k Discover It #2 (new 3/12/18), $3.5k Petal Visa, $6k Paypal 2% CB MC, $6k Amazon Prime Store Card, $6k Walmart Store Card, $7k Apple FCU Platinum Visa, $7k Penfed Power Cash Rewards Visa, $11.8k Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening: 3 months, 19 days as of 1/31/19. 24 HP inqs total as of 10/12/18: 10 TU, 9 EQ, 5 EX (about half over 1 year old).
Message 9 of 22
AverageJoesCredit
Community Leader
Mega Contributor

Re: Care Credit approved for $4K

Haha! You are on fireSmiley Happy You just might have broken the all time revord for most Care Credit approvals in 1 daySmiley Happy
NN7! Fico math 1 HP = 20 CG LIEr Club Plankowner
Message 10 of 22
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