You can request a CareCredit Credit Card credit limit increase by calling customer service at (866) 893-7864. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income Synchrony has on file. Synchrony will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.
Impact of a CareCredit Credit Card Credit Limit Increase on Your Credit Score
When you request a CareCredit Credit Card credit limit increase, Synchrony will conduct a soft pull of your credit report, which does not affect your credit score. However, some CareCredit Credit Card credit limit increase requests may involve a hard pull, which will cause a short-term dip in your credit score. Synchrony cannot do a hard pull without your permission.
Alternatively, you could be eligible for a CareCredit Credit Card credit limit increase without even requesting one. The CareCredit Credit Card card may offer an automatic credit limit increase if Synchrony’s regular review of your account shows a history of on-time payments and low debt. An automatic credit limit increase involves a soft pull, which does not affect your credit score.
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