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Care credit CL increase

Followyourobsession
New Member

Care credit CL increase

Hey guys, I have been reading on forum for a while but this is my first post! Just thought I'd ask if anyone else has ever had their synchrony bank/ Carecredit card limit increased without a request before? Went to pay on it the other day and when I logged on my limit magically increased from $2,000 to $3,000. Everything I've read always revolved around having to ask for an increase, and that there was usually a hard pull involved. Just thought it was strange.
Message 1 of 7
6 REPLIES 6
VoltronM
Senior Contributor

Re: Care credit CL increase

Congrats on CLI

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 2 of 7
Musiclover
Super Contributor

Re: Care credit CL increase

Congratulations to you and welcome to the forum! Care Credit is not big on CLI's in my humble experience. You should celebrate. Smiley Happy


Daily Drivers: Penfed Platinum Rewards; NFCU GoRewards; Discover..
Message 3 of 7
realestone
Established Contributor

Re: Care credit CL increase

congrats





Message 4 of 7
MRSPIGGIE
Valued Member

Re: Care credit CL increase

Congrats!
Starting 653 EQ Score ---> 4/29/2018
Current EQ 675 TU 655 FICO 610 --->6/17/2018
Current CCs:
USAA Classic Visa SL$500
Finger Hut SL: $600
First Progress: SL $400
Buckle: SL $250
Credit One: SL$400 Current CL: $600
Milestone Gold: CL $300
First Access SL: $300 Current CL: $350
Total Visa SL: $300 Current CL: $450
Neiman Marcus SL: $1K
Wayfair SL: $2K Current CL: $2.8K
Fidelity SL $3K
Overstock SL: $2K
Lowes Advantage SL: $400
Message 5 of 7
Followyourobsession
New Member

Re: Care credit CL increase

Thanks everyone, just wanted to check to see if it was normal. I'm relatively new to the credit game, but trying to get my score up as high as possible. It's becoming a hobby now haha! Started with a lease as a cosigner (11/16), then got a Discover it (6/17)and the Care credit (9/17). Managed to get my FICO 8 to 744 as of right now and FICO 9 is reporting 760! Feeling pretty good 😁. I hit the luv (i think that's what everyone calls it?) Button on discover last month and it increased from 1,700 to 3,000. I wonder if that has anything to do with this incease? Or maybe because my score jumped from 720's to 740's? Seems like a threshold of sorts from what I gather.
Message 6 of 7
FinStar
Moderator

Re: Care credit CL increase

As your credit profile matures over time along with any score improvements, a variety of CC lenders will grant auto-CLIs, which is also tied into your overall account's performance combined with any type of periodic account reviews (ARs).
Message 7 of 7
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