topic Re: Care Credit Question in Credit Cards

Care Credit Question

Anonymous — Mon, 19 Dec 2011 22:02:39 GMT

New member here.

I want to apply for Care Credit. My TU Fico score is 640 and EX FICO is 632 (PSECU) but I have an unpaid collecton from Midland Credit that's due to fall off in 2013. Will that prevent an approval? Thanks for any input.

Re: Care Credit Question

namvet — Mon, 19 Dec 2011 22:03:49 GMT

Don't waist your time! If you apply now it will result in another INQ from EQ. Take 6 months to work on your score!

Re: Care Credit Question

sweetschuni — Mon, 19 Dec 2011 22:15:44 GMT

@Anonymous wrote:
New member here.

I want to apply for Care Credit. My TU Fico score is 640 and EX FICO is 632 (PSECU) but I have an unpaid collecton from Midland Credit that's due to fall off in 2013. Will that prevent an approval? Thanks for any input.

CareCredit was my first credit card and I received it in 08/11. They pulled TransUnion and my score was 580 at the time with about 15 derogs (mostly medical.) I hope this helps.

Re: Care Credit Question

Anonymous — Mon, 19 Dec 2011 22:16:55 GMT

Are you looking for Care Credit to cover a medical procedure that you need done now?

Re: Care Credit Question

Anonymous — Mon, 19 Dec 2011 22:43:56 GMT

@sweetschuni wrote:
@Anonymous wrote:
New member here.

I want to apply for Care Credit. My TU Fico score is 640 and EX FICO is 632 (PSECU) but I have an unpaid collecton from Midland Credit that's due to fall off in 2013. Will that prevent an approval? Thanks for any input.

CareCredit was my first credit card and I received it in 08/11. They pulled TransUnion and my score was 580 at the time with about 15 derogs (mostly medical.) I hope this helps.

Thanks. What kind of credit limit did you receive?

Re: Care Credit Question

Anonymous — Mon, 19 Dec 2011 22:43:32 GMT

@Anonymous wrote:
Are you looking for Care Credit to cover a medical procedure that you need done now?

Yes.

Re: Care Credit Question

Juan123 — Mon, 19 Dec 2011 22:50:08 GMT

i got approved with a 590 score and 0 baddies for $1000, i say go for it, you'll get it! i have faith!!!!

Re: Care Credit Question

sweetschuni — Tue, 20 Dec 2011 00:01:05 GMT

My initial CL was $1,000.

Re: Care Credit Question

LS2982 — Tue, 20 Dec 2011 00:55:53 GMT

@Anonymous wrote:
New member here.

I want to apply for Care Credit. My TU Fico score is 640 and EX FICO is 632 (PSECU) but I have an unpaid collecton from Midland Credit that's due to fall off in 2013. Will that prevent an approval? Thanks for any input.

You should be good, they may hit you with a small CL but explain to them your procedure and estimated cost and they might bump it up for you.

Re: Care Credit Question

Anonymous — Tue, 20 Dec 2011 02:25:00 GMT

I was approved for Care Credit in October with an EQ Fico score around 670. I had one 1.5 year medical collection reporting at the time (my only derog). I was approved for $5,500, which has proved to be incredibly helpful since I've had to have multiple dental procedures since receiving the card.

Good luck!

Re: Care Credit Question

toytoy — Tue, 20 Dec 2011 02:43:42 GMT

When I applied online for this I don't remember my scores but they were in 600s. When it asked me how much I wanted I said 8000 just for giggles and it instantly came back approved. I applied bc I am at dentist every other week and even with insurance it was killing my pockets.

Re: Care Credit Question

Anonymous — Tue, 20 Dec 2011 03:10:17 GMT

@toytoy wrote:
When I applied online for this I don't remember my scores but they were in 600s. When it asked me how much I wanted I said 8000 just for giggles and it instantly came back approved. I applied bc I am at dentist every other week and even with insurance it was killing my pockets.

I asked for $10,000 and they came back with $5,500.