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CareCredit BK friendly?

angeoudemon1
New Member

CareCredit BK friendly?

Hi 

 

I have my BK7 discharge in Jan 2020. I would love to apply for CareCredit but wonder if they are BK friendly. I did not burn them in BK but did burn synchrony bank with amazon store card for about 2.8k. 

Anyone knows if there is a chance to get approved for CareCredit? 

My current credit score is 667 TU 665 EQ and 637 EXP. 

 

just looking to get a card with higher CL.

 

thanks in advance 

7 REPLIES 7
Bradac56
Valued Member

Re: CareCredit BK friendly?

CareCredit is Synchrony and they are finikey over BK's.

I wouldn't say you have no chance but if your only wanting it for the CL I would look at different cards.

 

 


Message 2 of 8
angeoudemon1
New Member

Re: CareCredit BK friendly?

Thank you for the advice. Yes I was looking more for CL. I did get Capital one with 3K will look at PenFed, unfortunately, can't get in Navy.  

Message 3 of 8
Horseshoez
Established Contributor

Re: CareCredit BK friendly?


@angeoudemon1 wrote:

Thank you for the advice. Yes I was looking more for CL. I did get Capital one with 3K will look at PenFed, unfortunately, can't get in Navy.  


I'm thinking PenFed and Discover should be your next stops in your shopping for a card.

I categorically refuse to do AZEO!

Message 4 of 8
Constant_Gardener
Valued Member

Re: CareCredit BK friendly?

Wait 2 years post BK or start a checking account with them now and perhaps get in earlier. But since they changed their underwriting rules a year ago, PenFed is 2 years post BK. Some with reaffirmed car loans etc. have gotten in earlier. But once your in, they are generous with prime interest rate and good SL (for the circumstance). I just applied yesterday 2.5 years post BK and got 17.99% $6500 SL Gold Visa.

CH 7 BK DC: 07/18
FICO 04/19: EX 601, EQ 632, TU 589
FICO 05/20: EX 660, EQ 670, TU 638
IIBK: Chase, BoA, Citi, CapOne, Discover
BK Rebuild
03/19: CreditOne $300, FingerHut $400, Merrick $200, LendUp $750, CapOne Plat $500, Self Lender 2 year.
07/20: Mission Lane $950, CapOne Plat (QS) $850, QS1 $1000, Avant $1000, Overstock $300, Amazon Prime Store $2100, Mercury $3000
03/21: Mission Lane $950, CapOne Plat (QS) $950, CapOne QS1 $3000, Avant $1000, Overstock $750, Amazon Prime Store $4000, Mercury $3000, Apple Card $2500, BBVA Clearpoints $1000, Venmo Visa $1000, PenFed Gold Visa $6500.
Message 5 of 8
Bradac56
Valued Member

Re: CareCredit BK friendly?

Pendfed is doubtful at best with a 2020 BK. 

I agree with opening a checking account plus adding a DD per paycheck to the account to start a relationship with them.  Two years would be the earliest I would try getting a CC from them. 

 

A secured Discovery card should be far more doable. 


Message 6 of 8
pip3man
Valued Contributor

Re: CareCredit BK friendly?


@Constant_Gardener wrote:

Wait 2 years post BK or start a checking account with them now and perhaps get in earlier. But since they changed their underwriting rules a year ago, PenFed is 2 years post BK. Some with reaffirmed car loans etc. have gotten in earlier. But once your in, they are generous with prime interest rate and good SL (for the circumstance). I just applied yesterday 2.5 years post BK and got 17.99% $6500 SL Gold Visa.


This is false. The 2yrs post BK waiting period is not quite the rule anymore. I was approved for my first Penfed card 9 months post BK7 filing and more recently the 2nd one at 12 months. I dont reach my first anniversary post BK7 discharge until July. OP needs to have at least a 650 EQ score and should apply for the Power Cash card for best chances of approval.

Macy's AMEX $47,000| Citi $13,000| CapOne $18,000| Chase $25,000| SYNCB $53,000| Fidelity $7800| Discover $3,000| NASA FCU $3,500| BestBuy $6,100| Barclay $4,400| TD Bank $1,000|

Starting Score: 490
Current Score: EQ 728 (681 as of 07/30/14) EX 721 TU 735 (669 as of 07/30/14)
Goal Score: 780

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Message 7 of 8
silverspringsdream
New Member

Re: CareCredit BK friendly?

I am 11 months post BK opened a savings account with $70 in it at penfed and same day applied for credit card . They approved me for $5000  at 17.99%. Power cash rewards . I did have to send prooof of income . I also have several other cc and was very focused on my credit rebuild since day one.  

Message 8 of 8
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