CareCredit

Charlie524 · March 16, 2009

Has anyone used this company to help pay for their surgery? I got the information package from my dr.'s office and applied and was approved but not for nearly enough to cover the surgery. I am wondering how easy it is to get a credit line increase?

ksill18 · March 16, 2009

oh man please do not use them!! I used them for my dental surgery and you will end up paying double in the end for the surgery.

as far as credit limit extension it is based on how well your credit score is. How short are you?

olivia_99 · March 16, 2009

I never used carecredit but i heard the interest is super high..hope this helps!

MrRiceGuy · March 16, 2009

I use CareCredit and love it. Compare it to a retail store card. You get it because of some great financing deal like '18 months no interest'. However, it, like retail store cards, will charge you for interest for the full term if you don't pay it off by the financing deal term. Any remaining balance after the "special deal" financing is at a rate of like 24.99% APR. So, don't use unless you're getting a good "no interest until" deal, and can pay it off in time.

Charlie524 · March 17, 2009

My insurance will cover 70% of the surgery but only after I pay my $2500 deductible, so all in all I need about $6k and I was approved for $3k. I can probably get together $3k on my own so I might just do that rather than increase the credit line. I have my first real meeting at the dr office tomorrow so I will ask a lot of questions and hopefully get the answers I need.

MrRiceGuy · March 19, 2009

So, what did you decide? I saw you're in so-cal getting banded. Where and by whom?

cattoy71 · March 19, 2009

I financed a portion of my self pay surgery through CapitalOne. My APR is something ridiculously low like 2.99% but I think that was based on my FICO score.

Couldn't hurt to check them out. You can appy online for a health credit line.

lapbandgirl2009 · March 19, 2009

I also used them for dental missed one payment cause they do automatic deduction and the garnished me and I ended up paying double then what the original amount of the contract was written for. They have no understanding for one mistakes.