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CareCredit Approved Then Denied??

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DN
New Member
New Member

CareCredit Approved Then Denied??

Hi all,

 

I recently applied for CareCredit ($8000) and got approved up to $6500 twice! Great news. I had to think about my decision for a second, went back to reapply not even hours later, and I have been constantly getting denied since. Any ideas on what to do? I tried calling the number but they say you have to be 21 or above (I'm 19) to inquire over the phone. I really need this, so any advice would be greatly appreciated!

Message 1 of 7
6 REPLIES 6
GZG
Senior Contributor

Re: CareCredit Approved Then Denied??


@DN wrote:

Hi all,

 

I recently applied for CareCredit ($8000) and got approved up to $6500 twice! Great news. I had to think about my decision for a second, went back to reapply not even hours later, and I have been constantly getting denied since. Any ideas on what to do? I tried calling the number but they say you have to be 21 or above (I'm 19) to inquire over the phone. I really need this, so any advice would be greatly appreciated!


you doing multiple appplications looks suspicious to them and that's why the extra applications are being denied

 

next time, don't apply unless you're ready to accept it.

 

give it time to cool off so you can apply again in the future. 

Starting FICO 8:
Current FICO 8:



Message 2 of 7
DN
New Member
New Member

Re: CareCredit Approved Then Denied??

Sounds good. Thank you. I am ready to go through with the whole process now, but how long do you think I should wait before reapplying? I'm hoping I get approved again. Thanks.

Message 3 of 7
butterpecan
Frequent Contributor

Re: CareCredit Approved Then Denied??

@GZG Hi I happened to see this post and your reply. I can attest to this being true. If you don't accept the offer and close out the browser it's a wrap for an unknown amount of time. It is also mentioned on the very bottom of the screen in small print that this offer is only valid for the active browser screen.




Message 4 of 7
GZG
Senior Contributor

Re: CareCredit Approved Then Denied??


@DN wrote:

Sounds good. Thank you. I am ready to go through with the whole process now, but how long do you think I should wait before reapplying? I'm hoping I get approved again. Thanks.


I'd probably wait 30 days honestly, if you can.

 

a week at least.

Starting FICO 8:
Current FICO 8:



Message 5 of 7
DN
New Member
New Member

Re: CareCredit Approved Then Denied??

I'll wait a week and try again. Do you think it's worthwhile calling them to try and explain the situation?

Message 6 of 7
UncleB
Credit Mentor

Re: CareCredit Approved Then Denied??


@DN wrote:

I'll wait a week and try again. Do you think it's worthwhile calling them to try and explain the situation?


Probably not... this is Synchrony we're talking about, after all.

 

I don't know if a week will be sufficient, but it may be... circle-back and let us know if you try it.

Message 7 of 7
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