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Frequent Contributor
Posts: 299
Registered: ‎05-28-2012

Care credit

How is this card? I don't plan on apping for it until north of 640 (mortgage first!), but I have some major dental work coming up (2 root canals, 2 crowns and an implant) that I don't want to have to clear out my savings to pay for. We have great dental insurance with no annual maximum, and the amount would probably be qualified for the extended payment plan (total is 11,000 without insurance, about 4,000 with). If I use it and abuse it once, then sock drawer it except for annual doctor visits for my family, is it a good choice?

Starting Score: 492 02/12
Current Score: TU: 668 (FICO), EQ: 668 (FICO). EX: 651(lender pull 9/27/12)
Goal Score: 660

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011

Re: Care credit

If you make the payments on time yes, no interest is the best!!

Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
Posts: 869
Registered: ‎07-04-2012

Re: Care credit

I would give it a shot. No interest based on the place you use it at. Our place gives us 12 months. Nice cl and cli friendly even with balances.
A worth trying card.
Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

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