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CareCredit or Credit card? Need 0% interest for 12 months

Established Member

CareCredit or Credit card? Need 0% interest for 12 months

I have to get a root canal done and it's going to cost me $515 that insurance won't pay. They said I could sign up for Care Credit and they have payment plans for 0% interest for 3, 6, 12, & 18 months no interest.

 

Should I get the Care Credit card which can only be used for medical stuff or should I look for a credit card that has 0% interest for 12 months?  

 

My Fico Scores are TU 713, Equifax 754 and Experian 753 

Message 1 of 4
3 REPLIES
Regular Contributor

Re: CareCredit or Credit card? Need 0% interest for 12 months

slp, with your scores i would say credit card.  carecredit can only be used for doctors. and if you going to take the a hard inq, why not use it on a card you can use anywhere?
Message 2 of 4
Established Member

Re: CareCredit or Credit card? Need 0% interest for 12 months

Thanks. I think I answered my own question after reading more about the Care Credit. I can use it next year when I am thinking of getting Lasik Surgery as well. I'll save the credit card offers of 0% for 12 months when I have an emergency and need that offer.
Message 3 of 4
Established Contributor

Re: CareCredit or Credit card? Need 0% interest for 12 months

I think Care Credit is the way to go.  I have used it a few times in the last year and haven't paid a dime of interest for over $3000 worth of work on my mouth.  I love it and they gave me a CLI (with a hard of course) and doubled my CL from 1K to 2K after having it for 2 months and paying only 1 payment.  Pretty cool.  Maybe they were just feeling generous that day.  YMMV.
FICO's: TU: 682 EX: 688 EQ: Unknown

In my wallet (strikethough are getting the axe soon): Amex Rewards Plus Gold | BECU: 10,000 | AlaskaUSA FCU: 6,900 | Citi Forward 6,500 | BOA Travel Rewards: 5,000 | US Bank Cash+: 5,000 | Merrick: 4,200 | Chase Freedom: 3,500 | Juniper: 3,100 | Household: 2,450 | Best Buy Reward Zone: 2,000 | Cap1: 1,500 | Cap1: 750 | Bailey's Furniture: 3,100 | Lowes: 4,500 | Care Credit: 2,000 | Zales: 1,400 | Kohls: 400 | Sam's: 5,200 | Walmart: 1,100 | Discover More: 1,000
Message 4 of 4