Q&A: What credit score do you need for CareCredit® plastic surgery?

Updated on January 8, 2024

Question: What credit score do you need for CareCredit® plastic surgery?

Answer: CareCredit® is a bit different from your typical credit card. It’s specifically designed for healthcare services, including plastic surgery, dental work, vision care, and even veterinary services. When it comes to the credit score needed, many have found that they can get approved with a score in the fair range, often starting around the mid-600s. However, as always, a higher score can increase your chances and potentially get you better terms.

But here’s a heads up: while your credit score is a significant factor, it’s not the only thing CareCredit® looks at. They’ll also consider your income, any recent credit applications, your payment history, and other debts. So, if you have a score that’s a bit on the lower side but your overall financial picture is stable, you might still have a shot. Conversely, a higher score doesn’t guarantee approval if there are other red flags in your credit history.

If you’re mulling over applying, it’s a smart move to check your credit report first. Ensure everything’s on the up-and-up and maybe even strategize on ways to bump up your score if needed. And remember, applying for credit means a hard inquiry on your report, which can cause a temporary dip in your score.

All set? If you’ve got more questions or need clarity on anything else, just let me know. Best of luck with your decision!

Stilt, Inc. and its affiliates do not provide financial, tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own financial, tax, legal and accounting advisors before engaging in any transaction.

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Frank Gogol

I’m a firm believer that information is the key to financial freedom. On the Stilt Blog, I write about the complex topics — like finance, immigration, and technology — to help immigrants make the most of their lives in the U.S. Our content and brand have been featured in Forbes, TechCrunch, VentureBeat, and more.

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