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Care credit qualifications.

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Care credit qualifications.

How high do your fico scores have to be to qualify for care credit? I'm looking to have some plastic surgery this year.

Message 1 of 15
14 REPLIES 14
Moderator Emeritus

Re: Care credit qualifications.

Hello SophieB.

 

The thread you had typed on was over 5 years old.  I took your post and moved it here, keeping everything as it was but just changing the heading.  If you want to change it just click on the options to the right and click "Edit Reply".

 

I figured I'd let the gurus here give you their words of wisdom.

 

Shogun, myFICO moderator.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 15
Mega Contributor

Re: Care credit qualifications.

CareCredit is not very hard to get. I would say 620 and up FICO little bit of history with CCs no recent baddies should get it for you. GE isnt very CLI happy with this card ir is strictly HP for CLI. If you do not the CL you initially needed I would immediately recon it.



EQ FICO 548 3/3/16
Message 3 of 15
Senior Contributor

Re: Care credit qualifications.

+1 the approval isnt that difficult, but the getting cli does require HP

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019
Message 4 of 15
Member

Re: Care credit qualifications.

I just got a 5200cl through website the key is to put in a very high procedure amount they typically do 25/35% of that as your CL based on your fico they pulled TU on me in Ohio I'm 671..2%util..several good TL but still 6 old PD baddies hope this helps
Message 5 of 15
Senior Contributor

Re: Care credit qualifications.

Woah! $5,200 is very good. Congrats!

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019
Message 6 of 15
Established Contributor

Re: Care credit qualifications.


@100plus wrote:
I just got a 5200cl through website the key is to put in a very high procedure amount they typically do 25/35% of that as your CL based on your fico they pulled TU on me in Ohio I'm 671..2%util..several good TL but still 6 old PD baddies hope this helps

EEEK so if my procedure is around $6k, I should request about $20k...   Smiley Wink

May I ask what you requested, when you were given $5200?

 

 

FICO: EQ 803 | TU 844 | EX ? (Started in the low 500's... you can do it!)

Amex BCE $25000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $9500, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $7500, Citi Diamond $11200, Citi Double Cash $12000, Care Credit $13500k.
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Message 7 of 15
Member

Re: Care credit qualifications.

I asked for $5000 yesterday and I got it instantly.  Wished I would have asked for more.

 

My EQ score is 670 but my TU is 753 Vantage and they pulled TU.  It also said on the sheet that if I have an immediate need for a higher CL that I could contact my provider and they could inquire whether I would qualify for a CLI.  The sheet that I printed out stated that the card would arrive in 7 - 10 days and if I wished to use my account sooner I could print out the current page and take it to the provider with 2 forms of ID.

 

I have 1% utilization.

Message 8 of 15
New Contributor

Re: Care credit qualifications.

 I have had this card for little over a year. Started at $5000 initally and I am now at $19,800 if you can believe it LOL. I was looking into getting a boob job and asked for $20k when I asked for a CLI and got increased to $19k. I was really surprised at that!!


Starting Score: 624
Current Score: 710(MYFICO 06/10/2013) Experian: 705 (Pulled from Bank of America while applying for an auto loan 5/2013)Goal Score: 800 Club

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Message 9 of 15
Senior Contributor

Re: Care credit qualifications.

I just got approved for a $6000 CL

Message 10 of 15
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