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CareCredit?

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  • CareCredit?

    Willow got into a nasty accident on Sunday night while she was outside. She got kicked in the hock and it got into the joint. That resulted in a hock infection that has her at the clinic doing joint flushes and all the things that go along with it. She goes to a rehab facility tomorrow morning to finish up her aftercare and hopefully come out on the other side of this mess. Things are still a bit touch and go, but looking like they are on the up and up.

    The vet bills are starting to get a little terrifying. While we have a significant amount put away into our savings (we wouldn't have gone through with all the treatment if not) this is going to take a HUGE chunk out of it. If it has to, then so be it, but we want to avoid that. We have a baby due in 2 weeks, and the holidays are coming up.

    Our vet mentioned CareCredit as an option. Anybody use it or have any experience with it? Would we be better off just putting it on our credit card? We have the limit for it, but CareCredit is offering a few reasonable sounding promotions. I did a search, but it didn't really pull anything up as far as good/bad. We get the initial "big" bill tomorrow and I figure COTH is always good for the dirty details.

  • #2
    Love care credit and have used it many times at the university. They usually do a 6 month no interest and we usually pay it off by the end of 6months. I prefer them to my regular cc because of the no interest. I have never had a bad thing to say about them and I've had an account for about 8 years now with them. The only thing they may do is if you dint use it for years they will turn it off and close the account but it was just as easy to open a new one when I had to. If you need an increase in your limit you call and do it over the phone with a machine and it tells you right then if you have the increase you asked for and you don't have to wait around. Good company
    Horses aren't our whole life, but makes our life whole

    Comment


    • #3
      Just to add. We have money also to pay if we need to but a good chunk of change Id rather use care credit and pay it off over the time I have then take a bunch of money out of the savings that I may need for another issue that I can't use a cc for.
      Horses aren't our whole life, but makes our life whole

      Comment


      • #4
        Especially with a baby coming (I just had my son in January!) - CareCredit is a godsend. Better to pay a little over time than lose that cushion all at once.

        Loved CareCredit!
        Friend of bar.ka!
        Originally posted by MHM
        GM quote of the day, regarding the correct way to do things:
        "There's correct, and then there's correct. If you're almost correct, that means you're wrong."

        Comment


        • #5
          Use it and love it. We use it at the vets and at the dentist. The interest rate in the short term is zero percent, then it goes up. Another option is to look for a credit card with zero percent interest until the end of 2014, as I hear they are now out there. Or, do what we did, scope out the offers and then call your credit card company to see if they can match the zero percent interest being offered on other cards. In our case, they listened to our protest and then gave us the zero percent deal for a year. That would give you even longer to pay it off without getting hit with the high interest charges. Good luck!
          "The difference between genius and stupidity is that genius has its limits." Albert Einstein

          http://s1098.photobucket.com/albums/...2011%20Photos/

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          • #6
            Care credit has been a life saver. Literally. Without it, my dog would be dead.
            A good horseman doesn't have to tell anyone...the horse already knows.

            Might be a reason, never an excuse...

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            • #7
              Had to get it for my first MAJOR vet bill this summer. (Haven't had one over $1500 yet, which I can usually cover....this one ended up being less but was supposed to be around the $5k mark, just didn't want to lose so much from my savings all at once.)

              0% interest for 6 months is the usual offer, or you can get a longer period with interest, but less than most normal credit cards. The rates are set (and by set, I mean they just chose from a list that CareCredit offers) by the practice accepting the card, not CareCredit.

              It was a great thing, in my case. I couldn't have paid the whole total off in a month if I put it on a credit card, so I would have been hit with finance charges. Instead, I got six months to pay it off and just threw whatever extra money I had at it each month; they do have a minimum monthly payment, but you can pay as much extra as you want. I just sent in my last payment, and didn't pay a single shred of interest on the borrowed money....it was great!

              And now I am keeping the card active, just in case something comes up. Since you literally can't use it for anything else (no shopping or anything, like with normal credit cards), it's great to know that it's always there for emergencies. I was approved for $6k in under 30 seconds through their online process.

              Comment


              • #8
                I only used it once for my own dental work. At the time, they did a thing where if you paid it off within 6 months, there was no interest changed. I paid it off in 4. This was back in 2010, though. I thankfully haven't had to use it since.
                The only thing the government needs to solve all of its problems is a Council of Common Sense.

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                • Original Poster

                  #9
                  Awesome! We will go with them then! We got approved for much more than we needed, and it almost seemed a bit too good to be true.

                  Thanks so much!

                  Comment


                  • #10
                    As long as you get it paid off before the promotional period, you're golden. Otherwise you get hit with the truly ridiculous 30% interest. But in my scenario, I figured if I for some reason couldn't get it paid off in the six months, I would just transfer it to a different card with a more reasonable interest rate.

                    As an additional bonus: I just got a car loan and my bank was thrilled to see this card with a sizable limit on it, empty. It looks good on the credit report, as it just looks like a normal credit card.

                    Comment


                    • #11
                      You'll love it. I was a receptionist in a very expensive ortho vet clinic and probably the majority of our clients used Care Credit. I don't remember ever having a problem with them on either end; we and the client were always very happy with them.
                      “Most people do not listen with the intent to understand; they listen with the intent to reply.” Stephen R. Covey

                      Comment

                      • Original Poster

                        #12
                        Originally posted by GoForAGallop View Post
                        As long as you get it paid off before the promotional period, you're golden. Otherwise you get hit with the truly ridiculous 30% interest. But in my scenario, I figured if I for some reason couldn't get it paid off in the six months, I would just transfer it to a different card with a more reasonable interest rate.

                        As an additional bonus: I just got a car loan and my bank was thrilled to see this card with a sizable limit on it, empty. It looks good on the credit report, as it just looks like a normal credit card.
                        I didn't know you could transfer the amount. It's a good back up plan (hubby LOVES back up plans)! That interest rate is terrifying! Their promotion says up to 24 months interest free, and that is more than generous. What a kick butt program!

                        We have an open card that we pay our cell phone bill with (then pay it off at the same time) as my credit was less than stellar when we got married. Dealership said the same thing.

                        Comment


                        • #13
                          As long as you get it paid off before the promotional period, you're golden. Otherwise you get hit with the truly ridiculous 30% interest. But in my scenario, I figured if I for some reason couldn't get it paid off in the six months, I would just transfer it to a different card with a more reasonable interest rate.
                          Yes, DO NOT miss the promotional payoff date, or you will be charged whatever the interest rate is on the ORIGINAL amount that was charged to your card. Not the amount that is remaining.

                          I didn't know you could transfer the amount.
                          It's not really a "transfer" - simply use another card to payoff your carecredit balance, and viola, amount has been transferred.
                          "If you think nobody cares about you, try missing a couple payments..."

                          Comment


                          • #14
                            Originally posted by Superminion View Post
                            I didn't know you could transfer the amount. It's a good back up plan (hubby LOVES back up plans)! That interest rate is terrifying! Their promotion says up to 24 months interest free, and that is more than generous. What a kick butt program!
                            .
                            I mentioned above, but the specific clinic you're using the card at will set the exact terms. CareCredit takes a portion of the bill, so the clinic has to decide what they want to lose. Tufts offers 6mo interest free, my local emergency vet does 12.

                            Originally posted by SuckerForHorses View Post
                            It's not really a "transfer" - simply use another card to payoff your carecredit balance, and viola, amount has been transferred.
                            Semantics, but you'd do a "balance transfer" through the card you wanted the bill to move to, so it is a "transfer." But yes, you'd just pay off one card with the other, essentially.

                            Comment


                            • #15
                              I hate owing money. If you have the money in savings I would pay the bill and start putting money back in savings right away. I don't know what the interest rate on CareCredit is, but depending on how long it takes you to pay it off that is money you could be putting back into your savings.

                              I would explain to all involved in getting Christmas gifts that there won't be any this year. Most people don't need more stuff anyways. Congrats on the coming baby!

                              Comment


                              • #16
                                Originally posted by candyappy View Post
                                I hate owing money. If you have the money in savings I would pay the bill and start putting money back in savings right away. I don't know what the interest rate on CareCredit is, but depending on how long it takes you to pay it off that is money you could be putting back into your savings.
                                It's nothing. At least for the promotional period. There is literally nothing to lose in taking the six months or whatever to pay off the balance in pieces.

                                What is the advantage of draining (or significantly diminishing, as the OP says is her case) a bank account just to "not owe money"? What happens when the next emergency comes along, and you don't have that cushion in place?

                                Comment

                                • Original Poster

                                  #17
                                  I don't like owing money either, Candy, and if this didn't diminish our bank account as much as it will (I don't even want to THINK about the total after rehab expenses...*sigh*) I would just pay the balance and not think about it again, but with two kiddos we don't want to take the chance of not having that cushion in case something with them comes up. Especially if we can pay this off over the 6 months or a year that it'll take, and not owe interest. That's kind of what clinched it for me.

                                  We already aren't doing holiday gifts, but just the cost of getting home will be cringe worthy. Being an adult is entirely too expensive!

                                  Comment


                                  • #18
                                    I've used Care Credit for everything from vet care to cosmetic surgery. As mentioned before, as long as you pay it off before the promotional period is up, you're going to generally do better than a credit card.
                                    "Is it ignorance or apathy? Hey, I don't know and I don't care." ~Jimmy Buffett

                                    Comment


                                    • #19
                                      Originally posted by Superminion View Post
                                      Awesome! We will go with them then! We got approved for much more than we needed, and it almost seemed a bit too good to be true.

                                      Thanks so much!
                                      You can use it for people medical care as well...dentists, plastic surgery, etc.

                                      Comment


                                      • #20
                                        Love Care Credit!
                                        "You can't really debate with someone who has a prescient invisible friend"
                                        carolprudm

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