The credit score you need for the CareCredit Credit Card is 640 or better. That means people with at least fair credit have a shot at getting approved for this card.
For the best approval odds with CareCredit, you'll need a credit score of 620 or higher. However, some users report approval with scores around 600. If you're score is lower than 600 you'll have a hard time getting approval.
My credit isn't great.
You can see if you prequalify by using our custom link or by going to carecredit.com. This is a soft inquiry and will have no impact on your credit score.
Let's look at CareCredit, one of the most common medical credit cards. A CareCredit card has a maximum credit limit of $25,000. For charges of $200 or more, CareCredit offers "no-interest" promotional periods of six, 12, 18 and 24 months, depending on the provider.
Your credit score is too low. You don't have enough income. You have too much debt relative to your income. There are too many recent inquiries on your credit report.
Another appealing part of the CareCredit card is that it is really easy for you to get approved. Unlike other credit cards, there is no credit check involved, and you don't have to have impressive credit history, employment records and sterling debt to income ratio to be approved.
A prequalifying offer allows them to see if they are likely to be approved if they apply for the CareCredit credit card without affecting their credit bureau score. If they accept the offer of credit, they will complete the application and the hard inquiry may impact their credit bureau score.
Covering a wide variety of procedures, Denefits is an alternative to CareCredit that patients may be interested in if they can't afford to pay for their medical treatment all at once. If you are concerned with your credit getting dinged every time it is checked, you will appreciate Denefits' no credit check policy.
If your credit score is in the 500 range, you may think you can't obtain medical financing. That is not necessarily the case. You may qualify for a medical loan online, even with a low credit score.
No, all CareCredit payments must be made directly to Synchrony Bank. Click here for more information on managing your account.
Applying doesn't impact your credit, so we encourage you to do so to determine if we have an offer for you. You can get your credit score from any major credit bureau. Your score may vary from credit bureau to credit bureau. This is because each bureau uses its own rating scale.
The applicant applies for credit.
The credit application process and requirements can vary, depending on what kind of credit you are trying to get. If you're applying for a credit card, for example, you may only need to fill out a simple online form with your Social Security number, contact details, and income.
If you were rejected because of too many hard inquires, Harzog recommends you wait at least four to six months before applying, or possibly longer. If you don't have stellar credit, you may want to wait longer to reapply than someone who has excellent credit.
Applicants must be at least 21 years of age to apply by phone (must be 18 or older to apply). Applicants by phone must have written copy of the credit card agreement before proceeding, which can be printed from carecredit.com or you can obtain from your provider.
Alphaeon Credit Card is a great Credit Card if you have fair credit (or above). Their APR is quite high (above 20%). If you're looking to apply, we recommend at least a 630 credit score. If you're not sure what your Credit Score is, apply for a report, here.
When you fill out an application with United Medical Credit to prequalify, we run what is known as a “soft inquiry,” also known as a “soft credit check” or “soft pull” on your credit file to get your overall FICO credit score.
Established in 2001, Credit Medical is one of North America's oldest and most trusted private lenders, providing loans to patients seeking surgical and non-surgical medical procedures and treatments not covered by government or healthcare insurance plans.
The Walmart Credit Card credit score requirement is “fair” for both the Walmart Credit Card and the Walmart® Store Card; that's a credit score of 640+.
Credit cards and auto loans offer the best approval odds for someone with a 550 credit score. For example, people with credit scores below 580 take out roughly 12% of car loans versus only 6% of mortgages, according to 2017 Equifax data.
today. CareCredit, from Synchrony, is one of the largest and most popular health, wellness and beauty credit cards in the nation, serving millions of families each year.
If you got upgraded to (or applied for) the CareCredit Rewards Mastercard, you can definitely use that anywhere. Only the regular one is for medical stuff; the Mastercard has no such restrictions. Still, obviously you'll get better rewards if you use it for healthcare.
You can pay for pet food using your CareCredit healthcare credit card as long as it is doctor recommended and purchased from your veterinarian's office.