Credit Cards (US)

What credit score is needed for Care Credit?

Do you need a Care Credit card? What credit score is needed for Care Credit? Have your questions answered in our post. Read on!

by Victória Lourenço

Published on 08/31/2022

Find out what credit score you need for Care Credit and learn more about your score!

Read this post to see if your credit score is good enough for Care Credit. Source: Adobe Stock.
Read this post to see if your credit score is good enough for Care Credit. Source: Adobe Stock.

If you’re looking for a credit card to help pay for health care expenses, you may be wondering what credit score to qualify for Care Credit! With this card, you can get the treatment and medical assistance you need!

Also, Care Credit is a popular healthcare credit card that can be used to pay for medical procedures, dental, work, and much more!

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How to fix your credit score in 6 months?

One of the best ways to improve your score is to research a lot about it! And here, you can learn how to fix your credit score in 6 months. So, read on!

And the good news is that Care Credit is available to those with a wide range of credit scores. However, you may need a higher one to make sure you qualify and get approved for the card.

It is very important to take care of your health. And you can do that by using a card that can get you the medical treatments you need to always be in good shape!

Also, you can even get healthcare for your dear pets and other family members! There are many advantages to using a CareCredit card!

However, even if you need to take care of your health and your family’s health, you need to learn about your score to see if you can qualify for CareCredit.

Therefore, you can keep reading this post to learn more about your score and to understand what credit score you need for Care Credit card!

What is CareCredit?

You can get a Care Credit card to pay for your health expenses. Source: The Mister Finance.
You can get a Care Credit card to pay for your health expenses. Source: The Mister Finance.

CareCredit is a credit card for those who need to cover medical expenses that don’t have medical insurance coverage. So, you can cover some of those expenses if they are eligible to be paid with the card.

In addition, you can find many plans and ways to use the card depending on your financial situation.

Moreover, you can use your CareCredit card just like any other credit card. Only in the case of traditionally covered services by medical insurance are copayments required.

Additionally, the card may be used to pay for elective medical procedures that are not covered by the plan.

Also, vision care, cosmetic surgery, dermatological services, dental care, and audiological services are just some of the many preventive medical procedures for which this card may be utilized.

And you can even get financing options that allow you to pay over 6, 12, 18, or 24 months. Plus, no interest will be charged if you get the promotional purchases in full within these months.

However, if your account is new, you’ll need to pay a purchase interest rate of 26.99%.

This means that you can make payments in full and within the agreed upon period. And it prevents any interest charges on orders totaling the amount agreed.

They also offer financing options of up to 60 months. Also, you can get financing for 24 months with interest rates as low as 14.90% for orders with a minimum purchase of $1,000.

Does Care Credit affect your credit score?

If you are unsure about getting approved for a CareCredit card, you can check if you’re pre-qualified. Also, the pre-qualification process does not impact your credit score.

However, this pre-qualification process is only with the goal of showing if you are more or less likely to be approved.

So, even if you get pre-approved, it doesn’t mean you’ll definitely be approved officially for the card.

Also, if you pass the pre-qualification, you may need to go through an official application, and this one may harm your credit score.

What credit score do you need for Care Credit?

Find out if you have a credit score good enough to apply for a Care Credit card. Source: Adobe Stock.
Find out if you have a credit score good enough to apply for a Care Credit card. Source: Adobe Stock.

Unfortunately, you may need a higher credit score than you think to get a Care Credit card. You may need a fair credit score to be able to qualify.

The good news is that you can choose to pre-qualify before you start your official application. However, you must keep in mind that even if you get pre-qualified, you are not officially approved for Care Credit card.

So, to get approved for CareCredit, your credit score has to be at least 640. Therefore, you need at least fair credit to be approved for this card.

In addition, the acceptance rate for the CareCredit Credit Card is higher for applicants with higher credit scores, but this is not the only factor.

So, you should think about your income, your debt and the number of accounts you have. Also, you need to know the number of recent credit queries, your employment status, and your current location.

Moreover, it’s conceivable that you might be approved with a somewhat lower credit score than you first requested.

However, unless you raise your credit score beyond the minimal requirement, you shouldn’t apply for the CareCredit Credit Card.

This way, you’ll be able to increase your score and meet the official requirements before you officially start the application process.

Why did you get denied for CareCredit?

There might be several reasons why CareCredit did not approve your credit card application. Common cases where these alternatives apply are:

  • Having a poor credit score is a bad thing.;
  • At this point, you just cannot afford it;
  • Your monthly expenses much exceed your income ;
  • There have been too many recent inquiries on your credit report;
  • There is an error on your credit record.

If you were rejected by the issuer, there is still a possibility to apply. To have your situation reviewed, you can contact Care Credit’s support and talk to a specialist from the team.

Also, if they refuse to reconsider their decision, you may always ask to be added as a trusted user to an existing account.

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How to increase your score and get better financial options

If you can’t get approved for a CareCredit card, you may want to increase your credit score. To do this, you may need to make a plan to create the habit of taking care of your finances.

So, read some main tips below that can help you keep track of your finances and get your CareCredit card!

Check your score regularly

You can use many tools to check your score regularly. There are credit monitoring apps, and you can hire a professional to help you with this part too!

Make a financial plan

Making a budget to know how much you can spend and how much you need to pay can be the best option to increase your score. This way, you won’t forget to pay your bills!

Pay all your bills on time

This is one of the most important things you can do to increase your score and get well evaluated by credit bureaus.

Use credit monitoring apps

As we mentioned, credit monitoring apps can be the best option to learn more about your score and check it regularly.

With these tips and information, you’ll be able to raise your score as fast as possible. And you may be approved for a CareCredit card!

One of the best apps to track your credit score is Experian BOOST™. The following content will show you all the pros and cons of using it. Check this review and see if it suits your needs.

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Experian BOOST™ Credit Score and Monitoring review

In this Experian BOOST™ review article, you will learn how this tool can help you raise your credit score at the same time as monitor and access Experian Credit Report.

About the author

Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by

Aline Barbosa

Senior Editor

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