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my friend got 6000 instant for care credit with low 700's and bk 7 4 years ago.
will chase approve for this health card with bk?
Last month I was denied for CareCredit. Finally got my dentist to sign up with Chase so i could apply (you have to have a health provider ID number and the credit decision is emailed to you and the health provider).
I made the application. Unlike CareCredit, they do not ask how much you want or your planned procedure cost. They just take the normal app & income info. Then you get a confirmation page that your application was received and that you need to check your email for the credit decision.
Checked my email. Instantly APPROVED $12,000
Thanks all for making me aware of this option! I have some extensive Dental work that I want to put on a 24 month interest free plan!!!!
FYI: They pulled EX. I'm in Texas. FICO scores: TU 723, EQ 724 I won't know EX for another week when PSECU updates my first score.
@clocktick wrote:
Congratulations! I just looked at the site. How do you find the participants?
That is one of the quirks with Chase. They don't make ANY physician referrals. You have to find your own doctor. If they don't accept Chase, then they suggest you send Chase a physician referral or ask your physician to look into it.
I asked my Dentist office to consider accepting Chase. I explained that this was my preferred method of payment. And since I was considering about $8000 in work through their office, they contacted Chase and joined. Evidently it is easy, because it only took them about 2 minutes on the phone.
They gave me their 5 digit Health Provider ID and that allowed me to make an application. When apping, you have to enter a Provider ID first, or it won't let you app. They send both you and your Dr. the credit decision by email.
@Anonymous wrote:Last month I was denied for CareCredit. Finally got my dentist to sign up with Chase so i could apply (you have to have a health provider ID number and the credit decision is emailed to you and the health provider).
I made the application. Unlike CareCredit, they do not ask how much you want or your planned procedure cost. They just take the normal app & income info. Then you get a confirmation page that your application was received and that you need to check your email for the credit decision.
Checked my email. Instantly APPROVED $12,000
Thanks all for making me aware of this option! I have some extensive Dental work that I want to put on a 24 month interest free plan!!!!
FYI: They pulled EX. I'm in Texas. FICO scores: TU 723, EQ 724 I won't know EX for another week when PSECU updates my first score.
Thanks for the info. I was declined for Care Credit earlier this year. I just got approved with Chase Health for $10,000!
From what I have read on the ChaseHealth site, they allow for up to 24 month no interest if over $3000.
FYI: CareCredit just sent me a letter a few weeks ago advising they offer up to 24 months no interest through participating providers as well.
@Anonymous wrote:
Funny you should post, I have a Care Credit card that we got when my husband had to have a $1400 dental procedure. Got approved no prob with a BK that wasn't even 2yr old and was given a $1500 CL. But after having the card for about 6mo and paying way more than the min. payment before due date, they closed the account and started charging me interest even though the interest free period was supposed to last another 12mo. When I contacted Care Credit they informed me that our credit profile had changed and that they had to close the account because we were a risk. This was very alarming so I pulled all three bureaus thinking maybe there was something wrong and found nothing other than our new vehicle purchase which replaced a similar loan as far as interest and balance. We have since been paying all our cards off and I wont be doing business with them again. I might have to look into Chase though.
I would file a complaint with your state attorney general, the BBB and FTC if they failed to honor the interest free period.
Those terms are not based upon your credit, but upon you paying the minimum payment due on or before the date due. If you miss a payment or are late, then they may charge you the standard or default rate. They can close the account, but not change the terms of pay off.
If you paid as agreed, you should be entitled to a refund of the interest charged during the promo period. Don't let them get away with that....if you held up your end of the bargain, so should they.