CareCredit question

[Stiga9]

Is there a 0% APR period for this card? or it depends on the healthcare provider? Couldn't find the answer online. thanks.

[user5387]

I believe it's typically a promotional period (like 12 months).

If the full amount is not paid in that time, then the interest is applied retroactively (deferred interest).

This is different than 0% CC offers.

http://www.carecredit.com/cardholder/financing_options.html

[Stiga9]

thanks!

[coldnmn]

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@Stiga9 wrote:

Is there a 0% APR period for this card? or it depends on the healthcare provider? Couldn't find the answer online. thanks.

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Depending on health provider and amount financed Care Credit offer from 6 to 24 months 0%. If not paid within the time period interest retroactive to day one. Minimum 0% financing $200. They also have longer terms of finance with a set interest rate from day one.

[BungalowMo]

What I have found with mine (had it since 07) the length of time to pay off has been in direct correlation with the amount put on the card at that time.  But, it's usually a hefty amount $150 - 2000.00.

2 years ago I had my kitty at the vet several times over 3 months getting all kinds of testing done.  She was finally diagnosed with cancer.  Within a week I had her put to sleep and cremated.  I believe the final total over those months was about $2800.  I'm at work & don't have access to my statements but I believe I had something like 18 mo at least to pay it off.

I have had no problem paying up before interest adds on.  The statements also clearly tell you when each purchase is nearing the "date" of payoff.

This card has been my best one for taking care of my kitties! 

Just thought I'd put in a pic.  My little Pie Pie (sweetie pie)  Worth every penny I spent! 

[Whitneyy]

Does anyone know which bureau carecredit pulls?

[BungalowMo]

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@Whitneyy wrote:

Does anyone know which bureau carecredit pulls?

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From the cc pull site I use, it looks like TU about 99% of the time.

[SunriseEarth]

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@BungalowMo wrote:

What I have found with mine (had it since 07) the length of time to pay off has been in direct correlation with the amount put on the card at that time.  But, it's usually a hefty amount $150 - 2000.00.

2 years ago I had my kitty at the vet several times over 3 months getting all kinds of testing done.  She was finally diagnosed with cancer.  Within a week I had her put to sleep and cremated.  I believe the final total over those months was about $2800.  I'm at work & don't have access to my statements but I believe I had something like 18 mo at least to pay it off.

I have had no problem paying up before interest adds on.  The statements also clearly tell you when each purchase is nearing the "date" of payoff.

This card has been my best one for taking care of my kitties! 

Just thought I'd put in a pic.  My little Pie Pie (sweetie pie)  Worth every penny I spent! 

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Awww....kitty!!

[SunriseEarth]

Yes, as has been stated, it is a deferred interest plan and how much time you have to pay it off depends on how much you spend.  My dental work (about $335) was given 6 months.   My optometrist was around $480, so that's on a 12 month plan.  So long as you pay the balance before the promotion expires, you won't be billed the interest.  

[One7]

Carecredit pulled EX for me, and EX when I requested a CLI.