CARE CREDIT

[Anonymous]

I dont have no history my credit profile is very think i was thinking about adding an AU or 3 to my history i want care credit for my dental and surgery needs...? do anyone thinki can get approved with 3 AU accounts and no other history?

[Anonymous]

All you can do is try. I was approved several years ago for $500 with terrible credit. (500 FICO range.) I applied/was approved in the dentist's office. A few days later at another dentist/specialist they called CareCredit and got it bumped up to $1,000 to cover the procedure I needed.

A little side story for those who have CareCredit or thinking about getting it... I carried the above mentioned balance for several years, just paying the minimum monthly payment. One day I was looking at my statement and noticed they were charging me a monthly account fee (some BS) I never signed up for. I called and without saying two words they started apologizing and said they would refund all of the fees. The refund paid off my $1,000 balance. Come to find out they were sued for signing people up for this monthly fee without their permission, so they immediatley refund it if you call them. Saved myself a $1,000 with a 30-second phone call.

https://www.consumerfinance.gov/about-us/newsroom/cfpb-orders-ge-carecredit-to-refund-34-1-million-f...

[Cherekas]

Thanks bjk, for that information. I just received the card this week. I wasn't able to get the card when my chargeoffs werent paid. Once they were paid and settled, I applied 2 weeks ago and my beginning balance is $8600.