Care credit odds of approval?

[ApplePie96]

I've gotta get dental work done and the dentist office suggested I get carecredit since they don't do payment plans. Insurance gonna cover ABOUT half so I'm likely gonna need a $1k limit at least. Never had a cc just my car financed. TU 629 EQ 621 on CK.

[CincyReds1882]

I was just approved for 5K with a 665 TU. Good Luck!

---

@ApplePie96 wrote:
I've gotta get dental work done and the dentist office suggested I get carecredit since they don't do payment plans. Insurance gonna cover ABOUT half so I'm likely gonna need a $1k limit at least. Never had a cc just my car financed. TU 629 EQ 621 on CK.

---

[MrsCHX]

Do you happen to know your actual FICO score for TU?? 

I got Care Credit last March with a TU of about 630 for $500. 

2 months ago my TU hit 697 and I got bumped to $7k. So it helps to know your actual. e.g. my Credit Karma TU is 663 but actual is about 690.

[ApplePie96]

I don't actually know my fico score.. Should probably look into that, I've heard a lot that ck is lower than real score.

[WaveRider]

CK's can often be 30-50 points lower than real FICO scores.  But with just an auto loan in the equation they may be more accurate than otherwise, not sure.  Creditchecktotal offers FICO scores for a $1 seven day trial and their site is awesome.  Though CareCredit is generally easy, creditboards database shows approvals down to 608 Fico.

[MrsCHX]

---

@WaveRider wrote:

CK's can often be 30-50 points lower than real FICO scores.  But with just an auto loan in the equation they may be more accurate than otherwise, not sure.  Creditchecktotal offers FICO scores for a $1 seven day trial and their site is awesome.  Though CareCredit is generally easy, creditboards database shows approvals down to 608 Fico.

---

+1 If you get a CCT trial say, today, you'll get all 3 bureau reports plus scores. In 7 days you can update and get them all refreshed, and then cancel. 

I've done this every month for a year now. LOL. They don't charge on day 7. It's more like day 10 (they tell you the date your card will be charged).

[ApplePie96]

I just tried to do that earlier today, it said there was a technical issue. I'll check back again

[ApplePie96]

Update: I've found out that I only had to pay about 300 for my procedure. Applied this morning for 500 and got approved for 800. Very happy.

[grillandwinemaster]

---

@ApplePie96 wrote:
Update: I've found out that I only had to pay about 300 for my procedure. Applied this morning for 500 and got approved for 800. Very happy.

---

Fantastic!! Congrats on your approval.  Having to pay less is always a welcome relief!  

Take care of CareCredit and it will grow like a weed!

[HeavenOhio]

---

@ApplePie96 wrote:
Update: I've found out that I only had to pay about 300 for my procedure. Applied this morning for 500 and got approved for 800. Very happy.

---

When you applied for the card, were you allowed to request the credit limit that you wanted? I got my card at the dentist's office. The office manager did the grunt work, and I walked out of there with a card that was 95% maxed out. I've been blaming Synchrony. But if requesting a limit is an option, the maxed out card may have been the fault of the dentist office.