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Care Credit Denied

New Member

Care Credit Denied

635... denied

Message 1 of 8
Regular Contributor

Re: Care Credit Denied

@Francisvance93 wrote:
635... denied

I would recon, I was approved in January for 500, called back and they moved it to 600. After 2 months of on time payments it got moved to 2400. At the time of application my score was low 600s. Have you opened several lines lately? I will say that my Care Credit card was the first I opened in almost 4 years, but at the time I was at around 70% utilization and several late payments from a year prior.

FICO 8. EQ - 682. EX - 703. TU - 703
FICO 9. EQ - 735. EX - 716. TU - 749

Capital One Quicksilver - $2350 || Care Credit - $23500 || Costco Citi - $7500 || Redstone FCU Secured - $350 || Chase FU - $6600 || Discover - $2100 || Apple Card - $5000 || Wells Fargo - $7000 || REI Co-op - $15,500 || Citi Diamond Preferred - $2800
AMEX Amazon Business - $5500 || Chase Ink Unlimited - $3000
Message 2 of 8
Community Leader
Senior Contributor

Re: Care Credit Denied

Sorry about that! Definitely try recon before throwing in the towel

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Fidelity Visa: 2k
Apple Card: 1.5k
Message 3 of 8
Community Leader
Super Contributor

Re: Care Credit Denied

What was the denial reason they gave you? I would call and recon that as well.

Welcome to the forums!!Smiley Happy

My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 4 of 8

Re: Care Credit Denied

What does recon mean? I was denied care credit a few months ago. I have a Wal-mart credit card, and was also denied a cli today($0 balance, on time payments, still only $200 limit). I recently opened a credit card in Dec. making it my 4th credit card. I was just approved for an auto refinance today with Wells Fargo (my second auto loan with WF). I am having cosmetic surgery in Sept and I am so afraid to try for care credit again! I can get a loan thru a private lender but I know the interest rate will be high. I just wish I could get Care Credit to give me an approval! 

Message 5 of 8

Re: Care Credit Denied

The term "recon" stands for reconsideration, which usually involves contacting the lender after a declined outcome to determine whether or not the application can be overturned for approval.

However, SYNCB doesn't reconsider system-declined applications, including Care Credit. There are some exceptions, those typically involving verification.
Message 6 of 8

Re: Care Credit Denied

So if they don't reconsider denials, then why are people suggesting to contact them to try?


Message 7 of 8
Moderator Emeritus

Re: Care Credit Denied

I'd recommend using the denial to get a free copy of your TU report and then review and address any issues you can.   Definitely look through the Rebuilding forum, if you haven't already.

Start: 619 (TU08, 9/2013) | Current: 798 (TU08, 8/2/21)
AMEX Cash Magnet $64000 | Discover IT $46000 | BofA BBR #1 $43900 | BoA BBR #2 $31100 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Sony Card VS $23750 | GS Apple Card WEMC $20000 | Freedom Flex WEMC $20000 | Cap 1 QS WMC $17250 | Disney VS $15000 | FNBO Evergreen VS $15000 | Target MC $14000 | WF Active Cash VS $12,000 | Citi Custom Cash MC $11600 | Jared Gold Card $11000 | Amazon VS $10000 | Cash Back World WMC $3000 | AARP VS $800 | ~~
Message 8 of 8
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