Self Pay And Credit Card Question...

[pushagrrl 11]

I am self-pay and I just set my surgery date for October 15th and I have to have my money turned in for the surgery next Monday, Oct 1st. I was planning to charge the surgery to two different credit cards that have enough limit for the surgery and then pay them off as soon as I could so that I could also get the benefits such as miles on my cards. Has anyone tried this? Does the credit card companies consider this a cash advancement? Or would it be like any other purchase you would make with your card. Please help me?! =)

[Shackwacky 72]

I would think it would be a purchase, since it would be done through a vendor who is paying credit card charges (not a bank). I thought of doing the credit card route too, but the thought of the interest rates scared me off.

[SageTracey 608]

Surely there are too many variables involved for us to answer? It would depend on your credit cards and banks, as well as how the surgery processes the payments. You might get a more definitive answer by speaking with your bank/s and surgery. Good luck.

PS Why not plan to use the miles/rewards points as a celebration for a post-surgery NSV? Something to work towards and look forward to.

[wishuponastar 7]

I used two different credit cards. Both were charged as purchases. Good luck

[ElleG 394]

Good luck! I love the idea of earning miles for this that's soooo awesome!

[Shackwacky 72]

Oh! Air miles ---- I hadn't thought of that.

[wildrose1966 396]

I had the cash in hand, but put it on the CC to get the airmiles, and then just plopped down the cash before interest was charged.

[homestead16 12]

I was going to use my credit cards too but decided to go with united Medical credit and save my credit cards for other non medical use. I have good credit and employment history and found their interest rates are pretty competitive. If you decide to go that way have a look. http://www.unitedmedicalcredit.com/ Good luck on your journey.

[pushagrrl 11]

I paid for my surgery today and ended up dividing the costs between two credit cards so that I could get cash back and miles. Then I have the money to pay the cards off as soon as the charges go through. very excited! Two weeks till surgery!