cancel
Showing results for 
Search instead for 
Did you mean: 

Chances of CareCredit approval?

Contributor

Chances of CareCredit approval?

I am not certain yet that I will need to apply for this card but it can't hurt to find out or ask ahead of time even if I don't need it. Had some pet things come up and may be more then I can cover all at once. I have no baddies or derogs on my reports, squeaky clean scores of 726, 720 and 725 FICO. Only a little over 6 months of credit history though. Do I stand a chance of getting approved?

Message 1 of 7
6 REPLIES
Valued Contributor

Re: Chances of CareCredit approval?


Irkedredit wrote:

I am not certain yet that I will need to apply for this card but it can't hurt to find out or ask ahead of time even if I don't need it. Had some pet things come up and may be more then I can cover all at once. I have no baddies or derogs on my reports, squeaky clean scores of 726, 720 and 725 FICO. Only a little over 6 months of credit history though. Do I stand a chance of getting approved?


You have Ann excellent chance of getting approved. What other credit accounts do you have? 


Current Scores 3/2016 Equifax 676 Transunion 697 Experian 648 Goal Scores: 720's accross the board. Gardening Goal: 3/2017
Message 2 of 7
Contributor

Re: Chances of CareCredit approval?

I have 3 cards local CU $500, Cap1 $400 and a comenity card at $750. Also have one unsecured personal loan as well. Don't carry any balances on any card.

Message 3 of 7
Contributor

Re: Chances of CareCredit approval?

Any one else have any data points that have this card?
Message 4 of 7
Regular Contributor

Re: Chances of CareCredit approval?

Shouldn't have any problem I got it in the 580's with a sl of 1000, with many inquiries and new accounts

Message 5 of 7
Valued Contributor

Re: Chances of CareCredit approval?

Imo Synch either likes you or they don't.

I got it with a 630-640 ish TU for $500. 9 new accounts in the prior 6 months and 6-8 INQs.

When TU hit 680+ I asked for $10k and got bumped to $7k.
11/2017: EX 704 | TU 720 | EQ 672 -- Starting (2/2016): 630 | 620 | 580 -- INQs: 17 | 26 | 28 (last 6 months: 5 | 2 | 6)
AMEX Delta: $10k, Marvel: $8k, Discover IT: $7.2k, AMEX BCE: $6k, Target MC: $5k, PayPal 2%: $8k, CO QS: $2.6k, Merrick: $1.6k, Barclay's NFL Rewards: $1k, CO BuyPower: $500. And a mix of well-loved store cards.
Message 6 of 7
Valued Contributor

Re: Chances of CareCredit approval?

I would think you have a good chance. I was approved a year ago with a 660ish TU for 800. Since then they have given me two SP increases to take it up to 12K

State Farm Rewards (3,000) ~ Marvel MC (8,000) ~ PenFed Power Cash (5,000) ~ PenFed Promise (6,000) ~ PenFed OLOC (500) ~ Discover ($1,000) ~ Citi DC (1,700) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (1,700) ~ NFCU CLOC (15,000) ~ QuickSilver Visa (10,300) ~ DCU Visa (5,000) ~ Chase Freedom Unlimited (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG Business (3,000) ~ Care Credit (15,000)
Current Scores (7/8/17): 682 Transunion, 648 Equifax, 673 Experian
Message 7 of 7