How to Qualify for CareCredit

Written by robin reichert
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CareCredit is similar to a credit card in that it is a line of credit, but you can only use it for health care costs. CareCredit can be used for your entire family to help pay out-of-pocket expenses not covered by your health insurance plan. CareCredit charges no interest on the balance if paid in full within six months, 12 months, 18 months or 24 months, depending on the plan you select. No interest is charged if the minimum monthly payment is made on time. CareCredit is accepted by thousands of physicians and hospitals in the USA.

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Things you need

  • Computer
  • Internet access
  • Acceptable credit score

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  1. 1

    Click the link to apply for a CareCredit card online or download the application from the company's website. The site is secure and your personal information is protected.

  2. 2

    Select from the three options to choose a doctor. You may choose a doctor after the application is complete if you have not selected a doctor or if you are not ready to select a doctor. Check whether your doctor is already enrolled as a CareCredit provider by searching for her name in the provider locator on the CareCredit website.

  3. 3

    Provide accurate information, including your Social Security number, driver license number, birth date, full name and current address. CareCredit will use this information to check your credit rating to determine your eligibility to receive a CareCredit card. Approval for credit is based on information you provide on your application together with past credit history and credit score.

  4. 4

    Re-apply with a co-applicant who has very good or excellent credit if your application is denied.

Tips and warnings

  • Approval for a CareCredit card is based on past credit history of the primary credit applicant and a co-applicant.
  • Improve your chance of credit approval by applying with a co-applicant who has good or excellent credit scores.
  • A good credit score is generally 650 or higher. Credit scores of 750 and above are considered "very good" and a score ranging from 800 to 900 is excellent credit.
  • CareCredit is not a credit card for general purchases. It can only be used to pay for out-of-pocket expenses not covered by your health insurance plan.
  • If your regular physician is not on the list of participants in the CareCredit program, you will have to select another physician from a list of participating doctors.

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