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My Smile Care Credit

ForeverGardening
Established Member

My Smile Care Credit

I was approved for a SL of 2,000. Logged into my account immediately and requested a CLI and was bumped up to 4K
NFCU CashRewards: 5K | Finger Hut: 700 | VS: 500 | Marathon 600 | Lane Bryant 550 | Overstock 1.8K | Children's Place 750 | Torrid 400 | My Smile Care 4K


FICO 8 - EX: 590 | EQ: 600 | TU: 589 -- 11/14/18
Oldest account: 9.3 years
Newest: 2 month
Average: 4y 7m
Inquiries: 15/24
Baddies: 3 collections | 3 30 day lates ranging from 2015-2017
Message 1 of 7
6 REPLIES 6
RonM21
Valued Contributor

Re: My Smile Care Credit

Congrats on the approval an CLI!
                

Total CL: $304.1kUTL: 3%AAoA: 6.8yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k |DISC-40.6k | PENFED-38.4k | AMEX-37k | NFCU-37k | LOWES-35k | ALLIANT-25k | BARCLAYS-15k | CITI-11.7k | CHASE-10k

Message 2 of 7
StartingOver2018
Frequent Contributor

Re: My Smile Care Credit

Awesome! What exactly can this be used for?  Never heard of it. I used to have CareCredit.

BK CH7--Filed September 25, 2018--D/C Jan.4, 2019
{FICO8 Feb.12, 2019--TU 580--EX 600--EQ 626}

Credit One Visa CLOSED by me May 2020!! :-)($500 now $700) Nov. 2018
SelfLender (2 year) Nov. 2018
Capital One Platinum MC ($2000 now $2500) Jan. 2019
Target RedCard ($500 at 4 months $800 six months later $1900) April 2019
Venus Comenity ($500 now $1500) May 2019 no HP
Ann Taylor Loft MC ($1000) June 2020 no HP
Overstock ($350 now $2350) June 2020 no HP


FICO 8 SCORES: 06-04-2020633 TU656 EX652 EQ
Message 3 of 7
James_A
Valued Contributor

Re: My Smile Care Credit


@StartingOver2018 wrote:

Awesome! What exactly can this be used for?  Never heard of it. I used to have CareCredit.


It's a Commenity product. And, as the name suggests, it's for dental care.

Congratulations! FG on your 4K approval. I suspect, like other Commenity cards, it's a grower. (Assuming, of course, they don't shut you down first -- no jinx intended.) 

Some DPs would be appreciated.

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (3/12/2021): FICO 08 EXP: 748; TU: 755; EQ: 773
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 4 of 7
AverageJoesCredit
Community Leader
Mega Contributor

Re: My Smile Care Credit

😁😃😄😆😀
NN7! Fico math 1 HP = 20 CG LIEr Club Plankowner
Message 5 of 7
19eighty5
Senior Contributor

Re: My Smile Care Credit

Congratulations on your approval and CLI!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 6 of 7
ForeverGardening
Established Member

Re: My Smile Care Credit

Here are some DP for my approval. YMMV

 

Pulled EX: FICO 08 590

 

Oldest account: 9.3 years

Newest: 2 month

Average: 4y 7m 

Inquiries: 15/24

Baddies: 3 collections (2 from LVNV for Cap1 charge offs in 2015. The 3rd from Midland and in the process of being removed). 3 30 day lates ranging from 2015-2017

My highest credit line is $5K from Navy Federal

NFCU CashRewards: 5K | Finger Hut: 700 | VS: 500 | Marathon 600 | Lane Bryant 550 | Overstock 1.8K | Children's Place 750 | Torrid 400 | My Smile Care 4K


FICO 8 - EX: 590 | EQ: 600 | TU: 589 -- 11/14/18
Oldest account: 9.3 years
Newest: 2 month
Average: 4y 7m
Inquiries: 15/24
Baddies: 3 collections | 3 30 day lates ranging from 2015-2017
Message 7 of 7
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