I to was turned down by care credit and it was devastating to me. I worked a part time job for 6 months to help pay down credit cards--then applied randomly online with Wells Fargo and was shocked that I was approved!! Don't give up, there is a way to make it happen! We are worth this. It's a gamble though now that I did it and read others stories about slipped bands, erosions ect I worry. My Insurance won't pay for anything related to this surgery