With a 686 TU score, assuming that’s a FICO score and not from Credit Karma or another FAKO source, I would say your chances are pretty good since it’s a Synchrony card.
I dont know what kind of limit they would be willing to extend with no other revolving history though.
Also, check to see if you medical provider takes this card. Not everyone does. It is not like a Visa/MC/Discover/AmEx that are accepted almost everywhere.
I opened a CareCredit with a 671 TU in Feb 2018 for $4,000. Within 3 months I was able to get it to $15,000. The CLI is SP so the potential to grow is great. I've been stuck at $15,000 for a while but no complaints. This is with a CO and over 25 late payments on my credit report.
I am currently seeking to apply for Care Credit for a medical surgery that my insurance does not cover. The surgery is about 8K and I plan on paying half in cash. I do not have any credit cards nor have I ever had any. I have always paid with debit or cash.
My scores are
No collections on my report, 100% payment and student loans of 50K that are deferred because I am in a masters program.
How likely is it that I’ll be approved for Care Credit?