Frequently Asked Questions (FAQ)
Below are answers to the most frequently asked questions about the Advance Care card.
- How do I apply for the card?
- Does it cost anything to apply?
- How long will it take to get approved?
- What are the minimum requirements?
- What is the maximum amount I can be approved for?
- What if my credit is not perfect?
- What will my interest rate be after the initial interest free period?
- Are there any pre-payment penalties?
- What if my physician is not currently working with Advance Care?
- Can I use my card for other people in my family or just myself?
- Who do I call if I have questions?
How do I apply for the card?
To receive the fastest turn around time on your application, you may apply on-line.
Does it cost anything to apply?
Applying with Advance Care is free, and there is no obligation to use your account if you are approved.
How long will it take to get approved?
When you apply on-line, instant credit decisions are avalible. Certain applications may take 24 to 48 hours.
What are the minimum requirements?
You must be at least 18 years of age, must not have filed for bankruptcy in the last 5 years and not have been sent to collections in the prevous 3 years. Your monthly income must be at least $1,500. These are the minimum requirements for approval with Advance Care. If you do not meet these miniumal requirements you may wish to consider utilizing a co-signer.
What is the maximum amount I can be approved for?
You can be approved for up to $25,000 or more with excellent credit.
What if my credit is not perfect?
If you have experienced credit challenges in the past, Advance Care will work diligently with you to provide you the best opportunity for approval. Utilizing a co-signer is always a good option if you feel your credit is damaged.
What will my interest rate be after the initial interest free period?
Your interest rate and terms are based on your own individual credit history as well as your current financial situation. The better your credit, the better interest rate and terms you are likely to receive.
Are there any pre-payment penalties?
No. As long as you make your minimum monthly payments as required, you can pay your balance off at your own pace. You may pay the balance as quickly as you like or take as long as necessary.
What if my physician is not currently working with Advance Care?
Advance Care will work with your physician to be able to utilize our services if they are not currently one of our providers. Please have them contact us.
Can I use my card for other people in my family or just myself?
Once you are approved you may choose to use your card for other members of your family.
Who do I call if I have questions?
Please feel free to contact us at 1-800-432-9470 if you have any questions concerning the card or your account. We will be glad to assist you.