I have great credit. So I go to have a procedure done and decide To apply for care credit after the treatment. I go through the hassle of applying and low and behold! I was denied. I was upset and embarrassed! Then I receive an email after about a week that I was denied because they couldnt identify me via the picture Id process. So finally i get through customer service after more than 1 hour only to be told they cant help me its a done deal. What?! I need answers Synchrony. Your system is not the best!! User's recommendation: Please get approval before treatment since your good credit is not a guarantee.