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Frequently Asked Questions

Frequently Asked Questions

 

 

What is ALPHAEON CREDIT?

ALPHAEON CREDIT, offered by Comenity Capital Bank, is a credit card you can use to pay for procedures or treatments performed by board certified physicians specializing in dermatology, ophthalmology, and plastic surgery. You can also use ALPHAEON CREDIT to pay for products and services offered by these physicians. 


Where can I use ALPHAEON CREDIT?

ALPHAEON CREDIT is only accepted by board certified physicians specializing in facial plastic surgery, plastic surgery, or dermatology. However, not all of these physicians are enrolled in the program. Find an enrolled physician near you here.

 

What are the benefits of an ALPHAEON CREDIT card? 

With special financing options - not always available with other credit cards, you may find the ALPHAEON CREDIT card is the better way to pay.

No Interest if Paid in Full within 6 or 12 Months
Interest is charged to your account at the variable rate of 28.99% from the purchase date if the purchase is not paid in full within the 6 or 12 month promotional period or if you make a late payment. Minimum monthly payments and additional informationEstimate your monthly payment.

Equal Pay 14.99% APR if Paid in Full within 24, 36, 48 or 60 Months
If the balance is not paid in full in 24, 36, 48, or 60 months, regular credit terms will apply and interest will be imposed from the end of the promotional period at the standard variable APR or 28.99%, based upon the Prime Rate. Minimum monthly payments and additional informationEstimate your monthly payment.

Budget Pay 14.90% APR with Monthly Payments of $99, $149, $199, or $299 per month
When you use your ALPHAEON CREDIT card account, interest is accessed on promotional credit plan purchase from the date of purchase through the end of the promotional period at an APR of 14.90%. Minimum monthly payments and additional information

Please inquire with your practice about which plans are offered, as options vary by physician and some physicians have longer term plans that aren't listed here. 


What if my physician doesn’t offer ALPHAEON CREDIT?

We would be happy to reach out to your physician to speak to them about the program and get them enrolled. Refer your physician


How do I apply?

Applying is quick and easy. Apply here or at any physician’s office that participates in the ALPHAEON CREDIT card program. Applying is quick and easy. Apply here or at any physician’s office that participates in the ALPHAEON CREDIT card program. Find an enrolled physician near you


Is there an application fee or an annual fee?

No.


Are there any prepayment penalties?

No.


Why does the variable rate on the application say 28.99%?

The standard interest rate for new accounts is 28.99%. However, special promotional plans exist including:

No Interest if Paid in Full within 6 or 12 Months
Interest is charged to your account at the variable rate of 28.99% from the purchase date if the purchase is not paid in full within the 6 or 12 month promotional period or if you make a late payment. See minimum monthly payments and additional informationEstimate your monthly payment.

Equal Pay 14.99% APR if Paid in Full within 24, 36, 48 or 60 Months
If the balance is not paid in full in 24, 36, 48, or 60 months, regular credit terms will apply and interest will be imposed from the end of the promotional period at the standard variable APR or 28.99%, based upon the Prime Rate. See minimum monthly payments and additional informationEstimate your monthly payment.

Budget Pay 14.90% APR with Monthly Payments of $99, $149, $199, or $299 per month
When you use your ALPHAEON CREDIT card account, interest is accessed on promotional credit plan purchase from the date of purchase through the end of the promotional period at an APR of 14.90%. See minimum monthly payments and additional informationEstimate your monthly payment.

Please inquire with your practice about which plans are offered, as options vary by physician and some physicians have longer term plans that aren't listed here. 


What information do I need to apply?

Applying is quick and easy. To apply you must be at least 18 years of age, be a U.S. resident, have a U.S. social security number, have a physical address, and have a valid government issued ID. You will also have to provide your phone number and annual income. Apply here.


Can I apply over the phone?

No, but you can apply or at your physician’s office.


How much will I be approved for?

The ALPHAEON CREDIT card grants credit lines up to $25,000. If you are approved, your credit limit will be provided to you. Apply now.


What if I don’t have enough available credit on my account to complete my purchase?

Call Customer Care at 1-855-497-8176 (TDD/TTY 1-888-819-1918) and request a credit limit increase.


How do I know how much I have available on my credit card?

To find out how much credit is available on your ALPHAEON CREDIT card account, please call Customer Care at 1-855-497-8176 (TDD/TTY 1-888-819-1918) or sign in to the Account Center.


Can I use my card again?

Absolutely. It is a credit card that you can use again and again with no need to reapply and special financing options are available for purchases of $250 or more.


What variables are used to determine eligibility?

A credit report will be pulled and other variables may also be considered. The only way to know if you’ll be approved, is to apply here or at your physician’s office.


Will my credit repot be pulled to determine if I qualify?

Yes.


When I applied, I was told I would receive an answer in 7-10 business days. What does this mean?

This means your application is pending or has been declined. If your application is pending, additional information may be needed and a letter will be sent to you outlining the next steps. If your application is declined, a letter will be sent to you explaining the decision.


I was declined. How soon can I reapply?

If you were declined, you can always reapply after 30 days.


Can I apply with a co-applicant?

No. However, you can add an Authorized Buyer to your account.


Can I add an Authorized Buyer to my account?

Yes. If your physician’s office submits the application, you can add an Authorized Buyer during the application process. If you submit the application, you will need to wait 30 days to add an Authorized Buyer. Keep in mind, you are responsible for payments on all purchases made by an Authorized Buyer.


I haven't received my card and my appointment is soon. What should I do?

You do not need your card in order to make a purchase. The physician’s office staff can look up your account at your appointment, just be sure to bring a valid form of government ID with you.


My card was lost or stolen. What should I do?

Call Customer Care at 1-855-497-8176 (TDD/TTY 1-888-819-1918).


When will I receive my statement?

You won’t receive a statement until you make your first purchase. Statements are sent around the 24th of each month. You can also sign in  to the Account Center to view your statement online at anytime.


How can I pay my bill?

Sign in to the Account Center or call Customer Care at 1-855-497-8176 (TDD/TTY 1-888-819-1918) to pay by phone. 


How can I view my statement online?

Sign in to the Account Center.


I received my statement in the mail and am on the wrong payment plan. Who should I contact?

Contact your physician’s office to discuss plan options.


How do I change my address?

Call Customer Care at 1-855-497-8176 (TDD/TTY 1-888-819-1918) or sign in to Account Center.


Who do I contact for further information or account inquiries?

Call Customer Care at 1-855-497-8176 (TDD/TTY 1-888-819-1918).


How do I close my ALPHAEON CREDIT card account?

Call Customer Care at 1-855-497-8176 (TDD/TTY 1-888-819-1918).