No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
After reading about @CreditCuriosity's success with Lowe's last week I decided to poke at CareCredit again, mostly for grins.
It was strange... I got an error message, "unable to complete action" or something to that effect, so I immediately tried again and got the boilerplate 'decline' message, so I figured I was out of luck.
Well, just a few moments ago I was checking over my accounts and I saw that I did, indeed get the CLI.
For posterity, my CareCredit PLCC CL was $8k, and when the card was upgraded to MasterCard back in the summer they increased it to $9.5k. My TU FICO8 is currently around 780.
I can't say for certain, but I suspect the initial request was granted, which is why when I tried a second time it was declined (I'll probably be getting a letter in the mail explaining why the second attempt was turned down... LOL).
Anyway, I'm now offcially 'done' with this one. $15k is much more than I would ever need, and should I decide to use the promo financing I'll be in good shape as far as utilization goes.
TL;DR... if you get a strange error code when trying for a Synchrony CLI, be sure to go back and check your dashboard.
Congrats
May I ask how long you had the card before they upgraded? I just have the regular ole carecredit card, would love the MC instead.
@Jnbmom wrote:Congrats
May I ask how long you had the card before they upgraded? I just have the regular ole carecredit card, would love the MC instead.
Thanks!
Absolutely... I got the CareCredit (PLCC) in August 2015. I still had a couple of baddies at the time. I got the upgrade offer back in May June (2018), and accepted it a month later.
(Edited to correct the month that the upgrade offer was received.)
@UncleB wrote:
@Jnbmom wrote:Congrats
May I ask how long you had the card before they upgraded? I just have the regular ole carecredit card, would love the MC instead.
Thanks!
Absolutely... I got the CareCredit (PLCC) in August 2015. I still had a couple of baddies at the time. I got the upgrade offer back in May (2018), and accepted it a month later.
Thank you
I just went back and checked my upgrade offer and it turns out I was a month off; I got the offer in June, not May... now my CLI denial in October makes sense - I was too early.
Anyway, here's a link to the thread regarding the upgrade: https://ficoforums.myfico.com/t5/Credit-Cards/CareCredit-MasterCard-Upgrade/m-p/5270093
Awesome UnkaB! Now I know my CLD went to a good cause.😂
My limit was $15k now $6k. I didn't know it was reduced until CK alerted me.
I called them to close it. Because I don't have the MC and haven't used it in the last year.
The CSR actually talked me out of it, reminding me they do 0% promotions on the card. He asked me if I wanted to raise it back to $15k. I told him to just leave it at $6k. If I needed, I'd call and have it increased in the future.
@Gmood1 wrote:Awesome UnkaB! Now I know my CLD went to a good cause.😂
My limit was $15k now $6k. I didn't know it was reduced until CK alerted me.
I called them to close it. Because I don't have the MC and haven't used it in the last year.
The CSR actually talked me out of it, reminding me they do 0% promotions on the card. He asked me if I wanted to raise it back to $15k. I told him to just leave it at $6k. If I needed, I'd call and have it increased in the future.
Thanks my friend!
Your situation sounds similar to one I had 'back in the day' when Synch was still GE Money Bank. They lowered the limit on one of my accounts by just a few hundred dollars and when I noticed it really annoyed me. I gave them a call to just close it out, but the rep said, "... why don't we just restore your limit to what it was?" I also took the bait.
The oddball CLD (often for non-use) seems to be a 'thing' with them, but luckily they are fairly easy to deal with. Easy come, easy go...
Nice increase!
Congrats on your increase UncleB. We both sit at 15k.. I will make you a deal once you pay off your small balance lets trade cars are you can have the cool old memory non mastercard back and i will syffer with the mc version
@kilroy8 wrote:Nice increase!
Thanks!
@CreditCuriosity wrote:Congrats on your increase UncleB. We both sit at 15k.. I will make you a deal once you pay off your small balance lets trade cars are you can have the cool old memory non mastercard back and i will syffer with the mc version
If I can get my 2015 account opening date back you have a deal!
To be honest, had I known that the CareCredit PLCC was about to be accepted at Walmart I never would have upgraded. Back in the summer I was looking at having no good way to keep it 'alive', since my local Rite Aid is converting to Walgreens - that's the only thing that motivated me to upgrade to begin with.
It's all good, though... no regrets.