Credit Card Center Advertiser Disclosure

Reply
Valued Contributor
Posts: 2,118
Registered: ‎12-29-2011
0 Kudos

Care Credit - Limits and usage

Considering applying for Care credit because I have a big dental procedure coming up and my insurance is covering a certain percentage of the treatment but I have to cover the additional 20% I believe which is going to be over 2,500. I was interested in applying to get the special financing but have my doubts. I only want it to get the special financing and don't plan to ever use it again. Is it worth the hassle of taking an AAoA hit? What kind of limits do they usually approve?

As of 2017, rebuilding...
Frequent Contributor
Posts: 409
Registered: ‎10-07-2012
0 Kudos

Re: Care Credit - Limits and usage


maiden_girl wrote:

Considering applying for Care credit because I have a big dental procedure coming up and my insurance is covering a certain percentage of the treatment but I have to cover the additional 20% I believe which is going to be over 2,500. I was interested in applying to get the special financing but have my doubts. I only want it to get the special financing and don't plan to ever use it again. Is it worth the hassle of taking an AAoA hit? What kind of limits do they usually approve?


For what it's worth, I got approved a year ago when my scores were all in the low to mid 600's....they only gave me $1000

Now my TU score (which they pull) is 750ish, so just a couple of weeks ago I asked for a CL and got a $15,800 increase.

I got some cards. Some are pretty, some are ugly. Some are more useful then others.

Current Scores: Low 700's give or take.
Valued Contributor
Posts: 2,118
Registered: ‎12-29-2011
0 Kudos

Re: Care Credit - Limits and usage

15k CL? WOWOW!

 

I don't need that much of a credit line. I need around 5k at least. Still unsure if I should apply or use one of my current cards and do a BT.

As of 2017, rebuilding...
Frequent Contributor
Posts: 275
Registered: ‎07-11-2013
0 Kudos

Re: Care Credit - Limits and usage

If you only need 5k I would use a card you already have, unless Care Credit is offering you a great deal. I never applied but had a friend who needed almost all his teeth capped even with insurance it was 20k or so, he did Care Credit because they gave him some no intrest deal if I remember. 

Chase Sapphire Reserve - American Express Blue Sky - Chase Freedom - - Chase Freedom Unlimited - BankAmericard Travel Rewards -

Walmart TU 823 (Most Recent) EX 807 EQ 810
Valued Contributor
Posts: 2,118
Registered: ‎12-29-2011
0 Kudos

Re: Care Credit - Limits and usage


Networth wrote:

If you only need 5k I would use a card you already have, unless Care Credit is offering you a great deal. I never applied but had a friend who needed almost all his teeth capped even with insurance it was 20k or so, he did Care Credit because they gave him some no intrest deal if I remember. 


I just want the 24 month no interest financing they're offering.

As of 2017, rebuilding...
Highlighted
Mega Contributor
Posts: 17,179
Registered: ‎08-08-2011
0 Kudos

Re: Care Credit - Limits and usage


maiden_girl wrote:

Networth wrote:

If you only need 5k I would use a card you already have, unless Care Credit is offering you a great deal. I never applied but had a friend who needed almost all his teeth capped even with insurance it was 20k or so, he did Care Credit because they gave him some no intrest deal if I remember. 


I just want the 24 month no interest financing they're offering.


When I got mine people said shoot high for credit limit. At the time my highest limit was $700 I almost fell over when they approved me for $5000. I thought they changed the maximum no interest financing to 18 months. Also be sure your provider offers the longer no interest terms.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $10.9k / Walmart Mastercard $8k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit $5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.5k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.