Once you choose an offer, you still need to submit an official application. the weird thing there is they just hand write the prices for procedures on a piece of hair, Obtaining Credit Cards, Auto Loans and Financing. When you submit a pre-qualification form, you'll typically receive several credit card offers that you have good approval odds for. I make to much for the state provided dental coverage, my employer provided will take 10 years (at 1000 per year) to get all the work I need done.... Oh well, I'll try again in 6 months. And am I really getting 50% off, like they say? You pay a downpayment (in my case where the amount is $2660, the down payment will be $400) and then payments of $200/mo for 12 months. When you click on the link, there's a statement that says checking your qualification chances does not affect your credit score. It may work. Just checked TrueCredit, and that 620 score is now 607. Many card issuers provide pre-qualification links where you can check if you may qualify for a credit card. Every few weeks I win a credit battle.. it'll get better. I'm sorry you weren't approved! :shock: you made me laugh, yeah, I guess I do have think hair (but it was really paper). Once you submit an actual application though, you give the card issuer permission to check your credit, which is called a hard inquiry (or "hard pull"). In fact, you can submit multiple pre-qualification requests without any damage to your credit score, since it involves a soft inquiry of your credit. Here are some actions you can take if you didn't pre-qualify for a card: CNBC Select may receive an affiliate commission when you click on the links for products from our partners. These offers can help you kick-start the credit card search process, but you should still compare other cards to find the best fit for your needs. A soft inquiry (also called a "soft pull") isn't connected to a specific application for new credit (a mortgage or a credit card, for example) and doesn't require your permission, so it doesn't show up on your credit report. Smooth solutions does specials and I think it is only $39 for upper lip. I tried for the Target Redcard after applying and being accepted for CareCredit, and they denied me. Care Credit reports that you're "more likely to be approved" for their Care Credit card with a score of 623 or higher. I applied online and was not approved. Approval for credit is based on information you provide on your application together with past credit history and credit score. Then again, I guess if that is the case you wouldn't need to have it done anyway. The laser hair removal prices do seem high. A pre-qualification form only provides the lender with partial information. CareCredit is subject to credit approval, which means that borrowers with higher credit scores will have a better chance of getting approved. When you submit a pre-qualification form, you'll typically receive several credit card offers that you have good approval odds for. They both checked Equifax too. It's good to use whenever I go to the Dr. to keep the account open. hi i am new here but i have been reading this site for about three weeks.i love this site. Applying for many cards at once is a red flag to issuers and can have a bigger impact on your credit score. Like, the lip (upper lip) costs $719 (6 sessions plus a 2 yr warranty that hair does not grow back). it said my card would arrive in 7-10 days. Multiple factors, such as your monthly housing payment and employment status, are taken into consideration. So, I am still having second thoughts, but my appt is this Wednesday. Ensuring your balances are low and that you have less than six inquiries will help. This can sometimes result in a slight ding to your credit score, which is why it's recommended you only apply for a credit card every six months. There's a simple feature that many card issuers offer for free: pre-qualification. I also did not have to pay a down payment, and I believe it will be interest free for the first 18 months, but if I needed a longer term, it goes up to around 11%. But if anyone goes for a free consult, the weird thing there is they just hand write the prices for procedures on a piece of hair, so how do I know what their real prices are? I will go check them out. Let us know if the hair removal works. Subprime credit borrowers may have a harder time qualifying for CareCredit. There's a chance you'll pre-qualify for a card and still be denied during the official application process. and our own. Prequalified vs preapproved: What you need to know about your approval chances for a credit card, Here's who's eligible for a credit card and what factors card issuers consider when you apply, Want to maximize the rewards you earn shopping for Black Friday? I think I will remove my hair with a bonus of adding another positive TL to my credit report! You can submit a prequalification form online to see whether you may qualify for a card. then, I got the navel free, b/c I am getting so many things, minus 50% discount. Lyubashka, May 5, 2007 in Obtaining Credit Cards, Auto Loans and Financing. I applied for a CareCredit card at the dentist office. As a result, offers described on this page may be out of date. As with any financial product, you should do your research and make sure the card is a good fit for you before submitting an application. It was great b/c I had a 0% introductory rate for 3 months, so it gave me time to pay off my porcelain crown, which I'm going back to the dentist for him to fix since I see a tiny crack in it. Funny how I can be approved for $3600, but not $200. So, their prices are pretty high, which are for a package of six treatments with a two year guarantee. The score they checked was 620. These offers typically provide an invitation code that you enter on the card issuer's site and a date when the offer expires. First time that ever happened! Looking to open a new credit card but not sure if you'll get approved? These online forms typically ask for your name, address and the last four digits of your social security number.