topic Re: Care Credit question in Credit Cards

Care Credit question

Gotagoal — Sun, 30 Sep 2007 01:02:40 GMT

Just learned about CareCredit yesterday at the LASIK dr. My appt is 2 weeks from now (woo hoo!) and I only asked for the amount of the procedure (2200). Up to 18 mo with zero %. Pretty cool!

I'm assuming it's an installment account - not revolving. RIGHT? If it's revolving then I'm maxing out the CL they gave me, which I don't want. If that's the case I should call them and ask for a higher CL.

Anyone know?

Re: Care Credit question

haulingthescoreup — Sun, 30 Sep 2007 01:09:17 GMT

I would think that it's installment, unless you have additional eyeballs that you might want to get fixed later. ;-) Have you got a phone # for CareCredit? what do they say it is?

Congrats on the LASIK. I had it last December--now better than 20/20, and before surgery, the last time I could read the big E was at age 15. I paid $3995, chucklehead that I am.

Re: Care Credit question

Gotagoal — Sun, 30 Sep 2007 01:37:13 GMT

Thanks for the reply! ahha... I've always been called 4-eyes, so I guess I do have more eyeballs to fix! SOOO cool to hear about your success. Long story short, I won $1000 toward lasik at a recent health fair at work. I was waiting to do lasik for the past few years b/c I had debt etc - and now I've paid everything and my score is mid - high 6 and I've got great cards like Amex (Clear and Blue) and other great new accounts. I was so excited to do lasik on my own terms - qualifying for financing or using my Amex. It feels so good to have my good credit back and not to mention the nice prize money toward lasik. So it would have cost me what you paid - just wanted to make sure you knew that. Words can't describe how excited I am!!!!

Re: Care Credit question

Anonymous — Sun, 30 Sep 2007 01:59:18 GMT

congrats-
Just don't default- the repo would really hurt....

Re: Care Credit question

Anonymous — Sun, 30 Sep 2007 02:01:36 GMT

Timothy wrote:
congrats-
Just don't default- the repo would really hurt....

scary part is it took me about half a second to get that!

Re: Care Credit question

Gotagoal — Sun, 30 Sep 2007 02:10:32 GMT

Too funny !! It took me a second, too!

Re: Care Credit question

fused — Sun, 30 Sep 2007 02:56:49 GMT

Timothy wrote:
congrats-
Just don't default- the repo would really hurt....

The post of the day! Real Good One!!

Re: Care Credit question

dallasjetfan — Sun, 30 Sep 2007 05:11:25 GMT

I have that same account. I had LASIK done in April. My account is listed as a revolving account. I asked for the price of surgery and it showed 100% usage the day it reported. I would definitely ask for more. That price is really low, where are you located??

Re: Care Credit question

Gotagoal — Sun, 30 Sep 2007 17:42:59 GMT

Thanks for your input. I know, I thought it was an installment too - which is why when it asked for the amount of the procedure, I put the real exact amount. I'll call them tomorrow to find out if I can ask for more, otherwise I feel like I need to use another cc so that I'm not 'maxing' out this care credit.

I'm in Seattle. The cost is offset a bit from the great prize of $1000 off - so I definitely feel very lucky. Are you happy with your lasik?

Hope you're having a nice relaxing Sunday

Re: Care Credit question

MidnightVoice — Sun, 30 Sep 2007 18:50:34 GMT

Try searching the forums for CareCredit - it is a GE credit card. DW has one - scores in mid 600s at the time and she got $5,500

Re: Care Credit question

Anonymous — Sun, 30 Sep 2007 23:16:56 GMT

Yep, CareCredit will report as a revolving account in your CRAs. My dad has one with the Dental clinic and that's how it shows.

-d

Re: Care Credit question

Anonymous — Sun, 30 Sep 2007 23:22:48 GMT

so if you apply for an account should/could you apply for 4 x what you need so it doesn't kill utilization/fico?

Re: Care Credit question

Gotagoal — Mon, 01 Oct 2007 12:24:26 GMT

Thanks Midnight. So I just called them and explained that I don't want to max out and that I would have asked for more of a CL. She totally understood, took some info, and put me on hold. Came back and said no problem - She doubled my CL to 5,400. That's much better This forum is so awesome.

Woo hoo !! Lasik here I come!

Re: Care Credit question

Anonymous — Tue, 02 Oct 2007 00:13:33 GMT

Gotagoal wrote:
Thanks Midnight. So I just called them and explained that I don't want to max out and that I would have asked for more of a CL. She totally understood, took some info, and put me on hold. Came back and said no problem - She doubled my CL to 5,400. That's much better This forum is so awesome.

Woo hoo !! Lasik here I come!

excellant news, next time you'll be able to see a problem like that coming. now that you know about the whole utilization issue. sorry couldn't resist the punn.

Re: Care Credit question

Gotagoal — Tue, 02 Oct 2007 03:25:56 GMT

Hahah.. totally! You're on a roll ! I should have "seen" it coming! ahhah