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@Anonymous wrote:@Anonymous
The big score drops, I am not sure if you are talking Fico or VS, but as I mentioned, Sync uses VS 4.0, which is not accessible anywhere outside of Sync, which they give that score to you monthly in your account. It does not even compare to my SO's VS3.0 or Fico scores, so it will be hard to guess what it is, but if you are in the 700's, I would assume you would be fine. Sync and CareCredit both seem very generous and accommodating.
I meant my FICO scores took a tumble. I'm not familiar with VS scores?
Sync just gave me an Old Navy card so hopefully this relationship will help me get the CareCredit.
What you said about growing the card is making me wonder if I should schedule surgery for Fall...
@Luxeedee wrote:
@Anonymous wrote:@Anonymous
The big score drops, I am not sure if you are talking Fico or VS, but as I mentioned, Sync uses VS 4.0, which is not accessible anywhere outside of Sync, which they give that score to you monthly in your account. It does not even compare to my SO's VS3.0 or Fico scores, so it will be hard to guess what it is, but if you are in the 700's, I would assume you would be fine. Sync and CareCredit both seem very generous and accommodating.
I meant my FICO scores took a tumble. I'm not familiar with VS scores?
Sync just gave me an Old Navy card so hopefully this relationship will help me get the CareCredit.
What you said about growing the card is making me wonder if I should schedule surgery for Fall...
So if you have Old Navy backed by Synchrony, they will tell you what your Vantage 4 score is on the website where you manage your bill. That is what Synchrony uses for extending credit as it provides trended data with regards to balances. It weights things differently than Fico does. As you are preparing to app for Care Credit, you'll want to keep on eye on your Vantage 4 score and see if it is trending up or down.
That being said, Care Credit is not hard to qualify for. I was approved last month with scores close to 100 points lower than yours. I even had an unpaid charge-off from Care Credit to the tune of over 800 bucks but the computer must have shorted out because I was approved. I only have a 600 starting limit but it's a start.
So perhaps apply sooner rather than waiting and starting at the 3-4 bill cycle, ask for a CLI. It should be a soft pull. When you apply, ask for WAAY more than you need (10k) and they will counter. (I asked for 3k... got 600... but hey, it was approved after I burned them so really can't complain)
Then, in the fall, when you really want Victoria Secret, use the shopping cart trick to get a soft pull approval rather than doing a cold app which will do a hard pull. My understanding from the forums is that Victoria Secret is one of the easiest SCT cards to get... as you approach the holidays and the economy continues to emerge from the COVID Coma, that should be even more true.
Good luck!
OK I'm back! Because Care.com denied me based on not having high enough credit limits on my cards, I decided to wait to get some CLI on my existing cards. My strategy has worked! I got a 3x CLI on my Amex and a smaller CLI on my Discover. I'm going to try for a CLI on Old Navy OR try to have my store card converted into an Old Navy Visa. My score have thankfully rebounded to 715. THEN I'm going back to Care.com to try again. I paid out of pocket for some dentistry. But I'm holding out hope I can charge the plastic surgery rather than give up more cash right now. Wish me luck.
I'm not sure if my experience will help with any information you might be seeking but last week I created a pink account and downloaded the app so I could save things I was looking at.
I think I was checking out out when somewhere on the the screen it said I was pre-approved and that if I applied that I could instantly use the card to pay for the purchase. So I applied and they approved me for 600. My order was around 100. I also got a discount for applying and using the card for that order. I haven't found any hard inquiries on any of my reports yet. The card is already reporting with balance on my all three CB. I haven't received the card yet so I can't login and create an account to pay off. Approved, reporting, and no hard inquiries within 7-10 days from applying. Still not sure if they are going to do a hard pull...
I don't have any experience with care credit but from all the stuff I've read it sounds like a nightmare.
I'm going to look into opening up a new CC with a high starting limit with 0 apr or one that I can transfer the balance with 0 apr for a certain amount of months. I plan on doing it right before a planned surgery. I also don't plan on having surgery for another 1-2 years so I stopped looking at those options and I'm focused more on improving my credit.
OK Ijust read the reviews and....it's a horror show! https://www.sitejabber.com/reviews/carecredit.com
I've been looking into abdominaplasty w/ lipo and I've read that it's better if you get it done in the winter months.
I'm pushing my surgery back to save more money, to lose more weight, and so I can get it done in the winter.
Getting surgery done was probably my second reason on getting my credit in check.
My credit scores have recently taken a dive from the 750s to the 720s because I went from 2 CC to 6 CC. I also closed one CC that had a yearly fee, no rewards, and they we're keeping my security deposit with no option to graduate to unsecured.
The VS card is my last CC until I schedule my surgery.
I hear you! I've been working out since July to prepare. I'm home from Covid. So I've spent all August getting my teeth done. I have my 2nd lipo consultation next week. I have mixed feelings about waiting. Now that I have multiple cards, I want to get it done and have months for recovery and fine tuning my look.
Care credit is what I first initially looked into. I've read horror stories about care credit in some of the surgery support groups I'm apart of. I'm sure it works fine for some people but I feel like they take advantage of a lot of people.
I think if your credit is in good shape and work on rasing your CLs that there are better options.
Im pretty sure there are other cc options that have high starting limits, rewards, and 0 apr for certain number of months.
So did I lol
I probably could just went ahead and done mine. They wouldn't discount my quote for how far I wanted to schedule out. My quote is BMI based and I've already lost more weight since then. If I lose more then its cheaper and less of a risk. I've waited a long time so I was torn on delaying it. I've only gotten one quote and he's the only surgeon I have even considered. My quote was almost 20,000 with an additional 3000 for scar revision.
Delaying my surgery is giving me a chance to research more surgeons that might be closer. It's also helping to put myself in a position for better financing options. I also want to have extra funds just in case of emergency related surgery cost.
There's a lot of good that comes in waiting but it's soooo tough!
Just one data point but I was approved for carecredit with a brand new fnbo evergreen reporting. Also did you run the prequal for carecredit? "Estimated procedure amount" is desired credit limit to me. I suspect synchrony doesn't want people to max out the card.