Care Credit

[reereetx]

How easily does Care Credit approve credit cards for medical expenses?  I'm needing a new crown and deep cleaning of a tooth where an old crown has a gap and is causing a lot of inflammation.  Estimate is $1400 after insurance.  I've also been wanting to get Invisalign to straighten my top teeth.  I've been told I was a candidate.  Does anyone know what Care Credit's approval terms are such as base credit score for approval, etc?  Thanks!

[Skye12329]

IMO pretty easy, the only thing is the limit if its not high enough can be an issue on  trying to raise it. I haven't had any success in getting mine raised when i initially got mine. 

[reereetx]

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@Skye12329 wrote:

IMO pretty easy, the only thing is the limit if its not high enough can be an issue on  trying to raise it. I haven't had any success in getting mine raised when i initially got mine. 

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How much were you approved for and what scores did you have?  Just curious. 

[ojefferyo]

I think it's pretty easy to get, question is how much will you get. I got approved for $10k

[BungalowMo]

Not sure exactly, but....they pull Transunion nearly exclusively.

What is your TU FICO?  I checked a database & folks around 700 got ballpark 1k but a bunch of folks called for recon & got 3500 to 6k roughly.

Not totally clean files either.

I love mine...I use it at dentist, eye doc & my kitties vet!  Sitting with an 18k limit too! 

[ojefferyo]

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@reereetx wrote:

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@Skye12329 wrote:

IMO pretty easy, the only thing is the limit if its not high enough can be an issue on  trying to raise it. I haven't had any success in getting mine raised when i initially got mine. 

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How much were you approved for and what scores did you have?  Just curious. 

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TU 780 no negatives on report

[Skye12329]

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@reereetx wrote:

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@Skye12329 wrote:

IMO pretty easy, the only thing is the limit if its not high enough can be an issue on  trying to raise it. I haven't had any success in getting mine raised when i initially got mine. 

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How much were you approved for and what scores did you have?  Just curious. 

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I don't remember my scores at the time but i got a $500 limit, i asked for more and got denied. DH Applied with like 3 90 day old baddies that are over 6 years old and got $1200. His score was 659 TU.

Sister applied with a Thin file and TU 690 Score and got $4000

We had a vet bill which is why we applied. We all ended up applying due to the estimate being 5-6k but ended up just under the 4k. 

[SunriseEarth]

When I applied at my dentist's office, I was approved for $2000.   My TU score was ~670 at that point.   About a month later, I saw that Care Credit SPed me and I was able to get an SP CLI to $10,200

[titanofold]

I had terrible credit when I got mine, and I was approved for 500.

You might be able to reconsider the CL to cover the cost. They're pretty nice for the little interaction I've had with them.

[ojefferyo]

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@SunriseEarth wrote:

When I applied at my dentist's office, I was approved for $2000.   My TU score was ~670 at that point.   About a month later, I saw that Care Credit SPed me and I was able to get an SP CLI to $10,200

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Who did you call to get the SP CLI? The number on the card?