Celluloid I don't have good insurance my insurance it only covers $1K max and the rest comes out of my pocket. This card I feel is going to be a life saver the fact that I am out of debt since I paid everything and to everyone that I owe and a little low on $$$ I need a few months to catch up on saving steady and this tooth is not willing to wait for that. I hope my dental provider allows 24 months financing because it might be around $4K and in 24 months I can definitely pay that off no problem