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CareCredit MasterCard Upgrade

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Moderator

CareCredit MasterCard Upgrade

I logged into the CareCredit site to clear the message that was causing an update failure on my USAA dashboard, and I was greeted with this:

 

CareCreditMC.png 

 

I'm not sure how I feel about this.  Ironically just a few years ago this would have been reason to celebrate, but these days not so much.

 

If it weren't for how Synchrony reports an upgrade it would be a no-brainer but I'm just not sure it's worth the 'ding'.  I made a small purchase at Rite-Aid a few months ago to keep the account alive, but while there I found out the location is changing to Walgreens (dual-signage right now) so it's questionable how much longer I'll be able to continue using the card there if I keep it as a PLCC (this is assuming the upgrade is optional).

 

I keep hanging on to the account in case I have an exceptional dental need (or decide to try Lasik) but otherwise it's not that useful.  As a PLCC It's perpetually on the chopping block and while I think I recall seeing reports of an occasional spend promo on the MasterCard version overall the product is rather underwhelming.

 

Anyway, TL;DR for anybody interested Synchrony is still occasionally offering upgrades on CareCredit.

Message 1 of 28
27 REPLIES 27
Moderator

Re: CareCredit MasterCard Upgrade

Ya if I got that offer and wasnt counted as a new account I would be all over it, but if offered it and was a new account I would have to pause and think about it.. Turning it down or letting it simmer?

Chase | Citibank | Amex | BofA | PenFed | NFCU | Discover | 5/3rd | Synovus | Commerce | FNBO | Union Bank | Regions
Message 2 of 28
Moderator

Re: CareCredit MasterCard Upgrade


@CreditCuriosity wrote:

Ya if I got that offer and wasnt counted as a new account I would be all over it, but if offered it and was a new account I would have to pause and think about it.. Turning it down or lietting it simmer?


For the moment letting it simmer... I figure there's no reason to make a hasty decision.  Smiley Indifferent

 

Without this I'll be 2/24 in January, so if I were to go for it I'd have room for one more 'addition' still assuming a January goal... any more and it'll be another eight months tacked on to my 5/24 counter.  Smiley Frustrated

 

To be fair, there's no 5/24 card(s) currently on the radar, but I like to at least pretend I'm keeping the option open.  Smiley Tongue

Message 3 of 28
Moderator

Re: CareCredit MasterCard Upgrade


@UncleB wrote:

@CreditCuriosity wrote:

Ya if I got that offer and wasnt counted as a new account I would be all over it, but if offered it and was a new account I would have to pause and think about it.. Turning it down or lietting it simmer?


For the moment letting it simmer... I figure there's no reason to make a hasty decision.  Smiley Indifferent

 

Without this I'll be 2/24 in January, so if I were to go for it I'd have room for one more 'addition' still assuming a January goal... any more and it'll be another eight months tacked on to my 5/24 counter.  Smiley Frustrated

 

To be fair, there's no 5/24 card(s) currently on the radar, but I like to at least pretend I'm keeping the option open.  Smiley Tongue


2/24 in January wow!  I could only imagine as you know lol..  I had to login to my card to see if it was offered esp since the huge charge i put on and paid off, but nope.. Guessing you got to have been with them so long and other various scenarios (score sure is one of them as well) to be offered it.. Not sure I would take it or not as no huge value and plenty of stores I can use a PLCC if I needed to around here other then the big ticket items such as dental or cosmetic type of stuff etc.

Chase | Citibank | Amex | BofA | PenFed | NFCU | Discover | 5/3rd | Synovus | Commerce | FNBO | Union Bank | Regions
Message 4 of 28
Valued Contributor

Re: CareCredit MasterCard Upgrade

Mine was upgraded automatically but I didn't mind the ding because forget Chase and their 5/24. I like my bonuses too much. The good thing about it is that for the first full year they are doubling my rewards. 4x points on medical providers, groceries, drugstores, pet stores, and 2x points on everything else.

Message 5 of 28
Super Contributor

Re: CareCredit MasterCard Upgrade

Interesting. I could easily use this for dental work but I've got enough synchrony accounts right now. 






Message 6 of 28
Community Leader
Super Contributor

Re: CareCredit MasterCard Upgrade

Grats on the offer UB. This would be a prayer for most who crave the CareCredit line but as you and I have often commented, Synchrony and their MC or Visa usually come way to late to want to take the diveSmiley Happy
Charter Member of the Discover " No Cli For You " Club !

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Message 7 of 28
Valued Contributor

Re: CareCredit MasterCard Upgrade

Congratulations on the offer; if you decide to take it, let us know how it works out. I'm curious as to what form the rewards take.

 

I do have a Care Credit card - in fact, it's currently got my biggest credit line - and it's come in useful for various health-related purchases (mainly dental and veterinary). It's got its limitations, though, notably the high APR; also it can't be used to pay for things like lab tests, which is an annoyance because I have a bill for a test coming due (I may end up applying it to one of my existing rewards cards anyway). I'm looking to see if Sync offers an upgrade on my Walmart store card now that it's a year old, though I'm not counting on it; in any case, I'm more interested in the Paypal 2% MC anyway, though it'll be at least next month before I'm ready to apply for that.

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 28
Community Leader
Super Contributor

Re: CareCredit MasterCard Upgrade

Nice UB !! I understand your dilemma, and on a side note, 2/24 in January?? My DREAM!!! LOL!! As it looks now, I won't be 5/24 till 10/2020, or somewhere around there. Smiley Happy

Scores held down by umpteen INQ & New accounts
~~~BK7 d/c-08/2013......my rebuild worked for me, but won't necessarily work for you.~~
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Message 9 of 28
Senior Contributor

Re: CareCredit MasterCard Upgrade

Congrats on the offer. I got one when they first started offering them. I WAS at the stage where I was like 'Woo Hoo!' but it definitely was a new account. There are occasional spend offers but the rewards (which can be taken as a statement credit, I don't remember if there are limitations on amounts) are S L O W to post. I think you GET the rewards credit okay, IIRC it's getting the statement credit to post that is a nightmare. Trying to zero out an account and not have it report and not end up with a credit and not end up owing interest was dicey. Definitely SD for me. 

 

I got my original CC when I did get lasik. Best. Decision. Ever. YMMV, but I am so happy I did it, especially when I buy a pair of sunglasses off the rack. Smiley Wink (It also came in handy when I had a dog with health issues.)

Message 10 of 28
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