Care Credit Required Credit Score

Updated: 15th May, 2022
Ashley Astors
Verified Collections Expert

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Care Credit reports that you're "more likely to be approved" for their Care Credit card with a score of 623 or higher. There are user reports of being approved with a score as low as 600. Ensuring your balances are low and that you have less than six inquiries will help.

Care Credit Minimum Credit Score

For the best approval odds with CareCredit, you'll need a credit score of 620 or higher. However, some users report approval with scores around 600. If you're score is lower than 600 you'll have a hard time getting approval.

Care Credit Phone Number

You can reach CareCredit customer service at (866) 893-7864. If you want to apply by phone call (800) 677-0718. To speak to a live agent you need to call between 9am–9pm M-F ET.

Care Credit Requirements

CareCredit requires that you are 18+ to apply online and 21+ to apply by phone. Additionally, you'll want to have a credit score above 620 to increase your odds of approval. CareCredit is to be used for healthcare expenses.

How To Get Approved For Care Credit

Approval for CareCredit starts with filling out an application. You can complete the application online or by phone at (800) 677-0718. You'll need a credit score of at least 620+ to increase your odds of approval.

How To Qualify For Care Credit

Qualifying for CareCredit requires a good credit score (above 620). You'll also need to be over the age of 18 (or 21+ to apply by phone). If you meet these criteria you can apply online, or by phone.

What Credit Bureau Does Care Credit Pull From?

CareCredit may use any of the three major credit bureaus — TransUnion, Equifax, or Experian — during a credit check. They make their judgement based on two years credit history. Verify your score is above 620 on all three for your best approval odds.

What Is Care Credit?

CareCredit is a lending service offered by Synchrony Bank. It's a way to cover medical expenses when insurance isn't enough. You can use CareCredit for expenses like LASIK, veterinary, dentistry, and more.

What are the approval odds for CareCredit?

You have high approval odds for CareCredit if your credit score is 620+. What can you do if it's too low? Double-check your credit report for inaccurate items and dispute them with help from the credit repair experts at Credit Glory.

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Accurate as of March 1st, 2022

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