No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
You probably would have to ask the staff at your doctors office if you can have it charged now to the card before the procedure
I wonder, if you just apply for CareCredit, but don't use it, how you get them to give you CLI for the future when you do need it? Just asking with no history of usage seems like it shouldn't work.
I agree with asking about CareCredit at the Doctor's office. It is especially helpful if the Doctors office can request from GE on your behalf, a Credit Limit that is large enough to cover the planned procedure. If you apply online, your initial credit limit may not be sufficient to cover the costs.
Keep in mind that your FICO scores will be negatively impacted by the utilization percent of the balance in relation to the available balance on the card. The effects are short in duration, and your scores will rebound as soon as the balance is paid down. (provided that all other bills are paid on time and you have no collection activity)
As long as you do not plan to purchase any large items using long term financing, (such as a home or car) then you will not be negatively impacted by opening and using a GE Care Credit account for your procedure.
@webhopper wrote:I agree with asking about CareCredit at the Doctor's office. It is especially helpful if the Doctors office can request from GE on your behalf, a Credit Limit that is large enough to cover the planned procedure. If you apply online, your initial credit limit may not be sufficient to cover the costs.
Keep in mind that your FICO scores will be negatively impacted by the utilization percent of the balance in relation to the available balance on the card. The effects are short in duration, and your scores will rebound as soon as the balance is paid down. (provided that all other bills are paid on time and you have no collection activity)
As long as you do not plan to purchase any large items using long term financing, (such as a home or car) then you will not be negatively impacted by opening and using a GE Care Credit account for your procedure.
Thanks for the advice there. I've been considering getting cosmetic dental surgery to assauge my vanity. 24 month 0% financing seems like a good deal if I'm not worried about util.