What does your credit score have to be for care credit?

AffiliatePal is reader-supported. When you buy through links on our site, we may earn an affiliate commission.



When it comes to financing medical expenses, many people turn to CareCredit, a healthcare credit card that allows individuals to pay for treatments and procedures over time. However, one common question that arises is, “What does your credit score have to be for CareCredit?” In this article, we will explore the credit score requirements for obtaining a CareCredit card and provide you with a better understanding of how your credit score can impact your eligibility.

Credit Score Requirements for CareCredit

CareCredit is designed to help individuals cover medical expenses, including dental, vision, cosmetic, and veterinary care. To apply for a CareCredit card, you will need to meet certain credit score requirements. While CareCredit does not publicly disclose specific credit score thresholds, they do consider various factors when evaluating applications.

1. Credit Score Range: CareCredit typically considers applicants with a credit score in the fair to good range. This generally translates to a credit score of 600 or higher. However, it’s important to note that meeting the minimum credit score requirement does not guarantee approval.

2. Income and Debt-to-Income Ratio: CareCredit also takes into account your income and debt-to-income ratio when evaluating your application. Having a stable income and a low debt-to-income ratio can positively impact your chances of approval, even if your credit score is slightly lower.

3. Payment History: Your payment history is an essential factor in determining your creditworthiness. CareCredit will review your credit report to assess how you have managed your previous debts and whether you have a history of late payments or defaults. A strong payment history can compensate for a lower credit score.

4. Other Factors: In addition to credit score, income, and payment history, CareCredit may also consider other factors such as employment history, length of credit history, and recent credit inquiries.

It’s important to remember that while credit score is a significant factor, CareCredit evaluates applications holistically. Meeting the minimum credit score requirement does not guarantee approval, and other factors will be taken into consideration.

Improving Your Chances of Approval

If your credit score is below the recommended range for CareCredit, there are steps you can take to improve your chances of approval:

1. Pay Off Outstanding Debts: Reduce your overall debt and make timely payments to improve your credit score and debt-to-income ratio.

2. Check Your Credit Report: Regularly review your credit report for any errors or discrepancies that may be negatively impacting your credit score. Dispute any inaccuracies and work on resolving any outstanding issues.

3. Build a Positive Payment History: Make all your payments on time and in full to demonstrate responsible financial behavior.

4. Consider a Co-signer: If you have a low credit score, you may want to consider applying with a co-signer who has a higher credit score to increase your chances of approval.


In conclusion, while CareCredit does not disclose specific credit score requirements, having a credit score in the fair to good range (typically 600 or higher) can increase your chances of approval. However, credit score is just one of the factors considered by CareCredit, and other factors such as income, payment history, and debt-to-income ratio also play a significant role. If your credit score falls below the recommended range, taking steps to improve your creditworthiness can increase your chances of obtaining a CareCredit card.


– carecredit.com
– creditkarma.com
– experian.com