Care Credit - Approved

[markdel16]

Just 3 months since discharge and I had an expensive vet bill on the horizon, so I figured I'd give Care Credit a try.

Wouldn't you know they approved me for $2100!

This would be a good way for anyone to work on rebuilding their credit. The APR is insane, but there are promotional plans that apply. Basically you get X amount of months to pay it off in full without any interest. There are 6, 12, 24 month promotional periods. I think which one you get depends on the amount of the charge you make. My vet bill was $545 and I have 12 months to pay it off. Don't miss a payment or not pay it off in-time, because you will get charged interest back to the purchase date.

The best thing about this is it truly can only be used for emergencies, doctors, vets, etc.

[justbroke]

Care Credit is very very picky!

[iswmle]

Yes, they are! I am surprised, I thought they were not very BK friendly.

[forest007]

They didn't approve me. I applied 7 months after closing Chapt 7. They denied me because of the BK. I had gotten 3 credit cards. Capital One $2000 unsecured, Barclays $1500 unsecured, First Progress $600 secured. Less than 10% owed on all three combined. My credit scores range from 616-680 between the three credit bureaus.

[Pjmax]

Picky is probably the best description, but it's a GE card, and GE is BK friendly. Six months post-discharge seems to be the magic time for Walmart and Amazon, anyway. I would try with one of those first, then wait 3-6 mos. for CareCredit. The Walmart card offers a free monthly TU score, BTW.

[SPalin]

It has been over three years since my discharge, but I was just approved for $2200, I guess I can get Bristol fixed now! Anyway, I did have GE cards before my filing all paid in full and never late, but GE closed them once they were notified of the filing! Oh well, maybe I can get my Lowes back, haha!