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CareCredit Approval and CLI - $4,000 SL bumped to $12,000

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Anonymous
Not applicable

CareCredit Approval and CLI - $4,000 SL bumped to $12,000

Dog was in need of some dental surgery, quoted around $1400, but unfortunately no payment plan options so the promotional financing through CareCredit was my best option.

Approved on April 22nd with a $4,000 SL
Pulled TU with FICO8: 679

 

Always see everyone here saying to not be shy with your CLI request so I went for it not expecting much over the SL.

Credit Line Increase Approved April 30th, asked for $10,000 and got $12,000!
TU FICO8 currently at 684

Over the moon right now, hopefully with this credit limit increase the procedure won't hurt my overall utilzation that much as it'll bring my total credit from $16,500 to $24,500. It's a family pet so I won't be the only one paying off this balance, plan to pay it off in 6 months as a conservative estimate.

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Background Info:

Since December of last year I've working on paying down balances to improve my score. Started with a Experian FICO8 of 599 December 2nd and I'm at a 657 right now. Overall Reported Balance of $3,841/4700 Dec 6th to now $2,404/16,500 (includes the CareCredit SL) but have about $400 in payments that haven't been reported yet, progress! Hoping to be completely paid by the end of November.

Not including CareCredit I've had 5 new accounts since the start of the year that I opened to help with overall utilization (added $6,500 available, I know not great) and had CLIs on other accounts totaling $1,700 and closed a CreditOne account that had a $400 limit. Didn't plan on opening any more but needed to for the surgery so with this CareCredit account now being the 6th new account this year I am officially in the garden for at least 2 years.

Message 1 of 12
11 REPLIES 11
Cred4All
Valued Contributor

Re: CareCredit Approval and CLI - $4,000 SL bumped to $12,000

Dog surgery got me too this past fall, sneaks up on you.  Glad to see you got a great Carecredit approval w/ an even better CLI!!


Message 2 of 12
calyx
Super Contributor

Re: CareCredit Approval and CLI - $4,000 SL bumped to $12,000

I'm sorry your pupper needs the dental surgery - but congrats on the approval and the CLI!  You're making great progress Smiley Happy

Happy practitioner of AZE7or8or9or10 | Team Finances > FICO
Message 3 of 12
Anonymous
Not applicable

Re: CareCredit Approval and CLI - $4,000 SL bumped to $12,000

Congratulations on your approval! Also, on your re-building!

Message 4 of 12
Anonymous
Not applicable

Re: CareCredit Approval and CLI - $4,000 SL bumped to $12,000

Congrats on your CL... especially since Care Credit is with Sync...

Nice job on your credit!! Kudos!

 

Message 5 of 12
Anonymous
Not applicable

Re: CareCredit Approval and CLI - $4,000 SL bumped to $12,000

Just finished paying off my 6800 vet bill for a sick pup!! I understand the pain! Congrats on the movement though!

 

Enjoy

Message 6 of 12
pinkandgrey
Senior Contributor

Re: CareCredit Approval and CLI - $4,000 SL bumped to $12,000

Great journey with CareCredit! Hopefully doggy’s doing better! I always appreciate people that aren’t afraid to sacrifice for their pets. <3
Discover It: 21.5k
Amex Cash Magnet: 18k
Fidelity Visa: 16.5k
Apple Card: 6.5k
Message 7 of 12
MartyWrite75
Valued Contributor

Re: CareCredit Approval and CLI - $4,000 SL bumped to $12,000

Wow! Congratulations on your massive CLI!
June 2024: Experian 772; Equifax 779; Transunion 781


Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $6,200 (Sock drawer) || Discover It: $11,400 || Cap One Walmart: $600 (Sock drawer) || AMEX BCP: $8,900 || Amazon Prime Store Card: $10,000 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $7,500 || Citi Custom Cash: $9,500 || Verizon VS Visa: $12,000 || Amex Hilton Honors: $10,000 || Amazon (Chase) Prime Rewards (VS): $9,500

Wishlist Cards:
Paypal Mastercard || Bread Mastercard

Gardening to 10/2024(ideally)
Total Utilization: 11%
Inquiries: Exp: (1) Trans: (0) Equif: (0)

Message 8 of 12
gdale6
Moderator Emeritus

Re: CareCredit Approval and CLI - $4,000 SL bumped to $12,000

Grats on all counts there OP and welcome to the board Smiley Happy

Message 9 of 12
19eighty5
Senior Contributor

Re: CareCredit Approval and CLI - $4,000 SL bumped to $12,000

Congratulations on your approval!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:


Message 10 of 12
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