When first applying for CareCredit, you’ll likely receive a hard inquiry which may cause your credit score to drop. Fortunately, this is completely temporary and the inquiry should eventually go away over time. Using your CareCredit card regularly and responsibly, while also completing payments on-time, can even improve your overall credit score.
CareCredit typically requires a score of 623 or higher to qualify for the financing card. However, several applicants have been accepted with scores as low as 600.