0% Introductary APR = no late payment on report?

Anonymous · ‎10-03-2017

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Anonymous · ‎10-03-2017

As long as you're making the minimum monthly payment, you won't have a late payment reported.

Care Credit is the devil though, so if you can swing getting a different 0% card I think it would be the better option for a balance the size of the one you are looking at.

Ardecko · ‎10-04-2017

Will the provider allow you to make payments against it?

Also, unless you think you would be approved for a card that's at least 2x(maybe 3x) that, you'll take a UTI hit by putting it on there.

Have you considered some kind of installment loan for it?

2017-09-09 FICO 08: EQ 677, TU 640, EX 705
2020-02-07 FICO 08: TU 789
2020-02-10 FICO 08: EX 752

Gardening, mostly, again until... soon(I need to replace my car)

Anonymous · ‎10-14-2017

Would've gotten back to this sooner but my account was locked for some reason. I have no idea why I asked this. I never carry over a balance so I was intially confused with the relation of APR's and late payments. I ended up apping for the amex blue cash after posting this thread. Never got a large dental bill before so I thought they wanted me to pay upfront and that the work would be all done in a span of a week or so, but apparently it's pay by appointment and after my first visit which was $418 they scheduled a second all the way in Decemeber. Not sure why the manager even tried to sell me on care credit in this case.