topic Re: Found another use for Care Credit.... in Credit Cards

Found another use for Care Credit....

pizza1 — Sat, 31 Oct 2015 17:29:07 GMT

If you havent taken the time to go to the Care Credit site, and actually looked at all the places "near you" that take it..youre totally missing out! With that said, go to the site, plug in your zip code, and 5-10 mile radius, and put "any"....youll have hundreds of places that take the card!! All sorts of places from vets, Doctors, dematology, vision, dental, chiropractors, etc.....You'd be AMAZED at finding a place you could use your card at.

I found a "Medical Spa" 5 min from me that Ive always wanted to go to anyways. I called and inquired, and they DO accept the Care Credit card for ALL of their services AND beauty products they sell there....Score!

So...If you just take the time and do a little homework on the card, youll be amazed at the places you could use it. FYI

Re: Found another use for Care Credit....

NRB525 — Sat, 31 Oct 2015 18:18:30 GMT

Is there a reward structure?

The vet option is interesting. Several years ago my daughter had a chinchilla, who managed to reach outside his cage, pull in an electrical cord, and chew it to give himself a nice burn on his lip. $100 of vet examination to get him patched up. Sheesh.

Re: Found another use for Care Credit....

pizza1 — Sat, 31 Oct 2015 18:23:46 GMT

@NRB525 wrote:
Is there a reward structure?

The vet option is interesting. Several years ago my daughter had a chinchilla, who managed to reach outside his cage, pull in an electrical cord, and chew it to give himself a nice burn on his lip. $100 of vet examination to get him patched up. Sheesh.

not really. They have 0% financing over a certain amount for 6-18 months. Its just another option for medical/dental/vet etcc...for people who dont want to tie up their CL on a major card. I personally think the Care Credit card is a great thing for that resaon alone. Its of course back by Synch, so the limits can get high.

Re: Found another use for Care Credit....

Anonymous — Sat, 31 Oct 2015 18:24:31 GMT

What is the hype with Care Credit? Never knew why people like it so much? Is it like a credit card for doctor visits and dentists?

Re: Found another use for Care Credit....

pizza1 — Sat, 31 Oct 2015 18:27:33 GMT

@Anonymous wrote:
What is the hype with Care Credit? Never knew why people like it so much? Is it like a credit card for doctor visits and dentists?

yes. and a lot more places as well.

Go to the site, and do what I said in my original post, and youll see all the places the card is taken. It helps a lot people out, and frees up their other cards if needed too.

Re: Found another use for Care Credit....

CreditCuriosity — Sat, 31 Oct 2015 18:34:59 GMT

@Anonymous wrote:
What is the hype with Care Credit? Never knew why people like it so much? Is it like a credit card for doctor visits and dentists?

Large limits and 0% financing for long period of time for expensive stuff if why I find value in it. Never know when you might need it as well. I put a charge on it every 90 days to keep it active being dogs toe nails trimmed or whatever. I plan on using in the future for some costly dental work that will deffinetly be financed with the 0% 18-24 month option. Just waiting to get the limit up to 15k so I am not hurt on utilization to much. Hopefully i will get that by end of december then the fun begins

Re: Found another use for Care Credit....

pizza1 — Sat, 31 Oct 2015 18:34:54 GMT

@CreditCuriousity wrote:
@Anonymous wrote:
What is the hype with Care Credit? Never knew why people like it so much? Is it like a credit card for doctor visits and dentists?
Large limits and 0% financing for long period of time for expensive stuff if why I find value in it. Never know when you might need it as well. I put a charge on it every 90 days to keep it active being dogs toe nails trimmed or whatever. I plan on using in the future for some costly dental work that will deffinetly be financed with the 0% 18-24 month option.

+1000

Re: Found another use for Care Credit....

UncleB — Sat, 31 Oct 2015 19:16:23 GMT

@CreditCuriousity wrote:
@Anonymous wrote:
What is the hype with Care Credit? Never knew why people like it so much? Is it like a credit card for doctor visits and dentists?
Large limits and 0% financing for long period of time for expensive stuff if why I find value in it. Never know when you might need it as well. I put a charge on it every 90 days to keep it active being dogs toe nails trimmed or whatever. I plan on using in the future for some costly dental work that will deffinetly be financed with the 0% 18-24 month option. Just waiting to get the limit up to 15k so I am not hurt on utilization to much. Hopefully i will get that by end of december then the fun begins

For purchases $200 or less I would use a Visa, but over $200 the deferred interest is great.

I got my Care Credit back in August as a 'just in case', for possibly getting an implant in the Spring... then just a few weeks later I broke a tooth - of course it took a crown. My out of pocket was $670, which was 'doable' on another card, but using Care Credit got me 24 months at 0% (I could have chosen 6, 12, or 18 as well). I'll likely have it paid off in January, but knowing I can stretch it out if needed is really nice.

Just beware the terms of the deferred interest... if that amount isn't paid in full by the end of the promotion, interest will be added to the whole amount going back to the day of the transaction... at 26.9%.

(Folks with an older account may still have a more 'generous' 22.98%, but new accounts are all at the higher rate.)

Re: Found another use for Care Credit....

CreditMagic7 — Sat, 31 Oct 2015 21:18:22 GMT

Pretty nice finds there pizza. You go girl

This is the one Synchrony Card i purposely am not apping for until i get ready for some procedure or other. I read reports that they will pull that card in a minute for non-use, something like 6 months are better? Dunno, but it is been a very popular card for many ever since i first joined this forum.

Re: Found another use for Care Credit....

Anonymous — Sat, 31 Oct 2015 21:25:10 GMT

I love Care Credit! I have used it for furry babies and for me. I love the zero interest option. That is all the rewards I need when dealing with anything medical. Thanks for reminding me, pizza, why I like it so much!

Re: Found another use for Care Credit....

Anonymous — Sat, 31 Oct 2015 21:26:08 GMT

I had a care credit acct with a $1000 limit. Used it for 10 months straight for monthly prenatal care until my daughter was born. When she was born, I paid it off a few months later and they closed it. Prior to that I was making min payments for like 4 months and then paid the entire thing off.

Re: Found another use for Care Credit....

Anonymous — Sat, 31 Oct 2015 21:40:15 GMT

I orignally got my Care Credit to pay for PRK surgery (similar to LASIK), they offered 2 years 0% on the bill and I needed perfect eye sight for a job I was applying for out of college. It worked great! After that I figured I'd keep it around just in case. Now it is primarly my card for any major vet bills, put $1800@0% for a year this year from an unexpected vet visit! Always good to keep around.

Re: Found another use for Care Credit....

Anonymous — Sat, 31 Oct 2015 21:40:47 GMT

Thanks Pizza1, I got care credit primarily for dental work and I will research more options now. Thanks for sharing.

Re: Found another use for Care Credit....

CreditMagic7 — Sat, 31 Oct 2015 21:41:37 GMT

@Anonymous wrote:
I had a care credit acct with a $1000 limit. Used it for 10 months straight for monthly prenatal care until my daughter was born. When she was born, I paid it off a few months later and they closed it. Prior to that I was making min payments for like 4 months and then paid the entire thing off.

That right there is what concerns me about this card as well as non use.

Thanks for sharing your own experience on that with the forum community.

Re: Found another use for Care Credit....

pizza1 — Sat, 31 Oct 2015 21:49:23 GMT

@Anonymous wrote:
I had a care credit acct with a $1000 limit. Used it for 10 months straight for monthly prenatal care until my daughter was born. When she was born, I paid it off a few months later and they closed it. Prior to that I was making min payments for like 4 months and then paid the entire thing off.

mmm, I find that odd. Synch is one of the last CCC that will close so soon like that. Especially after a pay off? Ive had my card a little over a yr now, and have only used it one time for $10.82. I bought some eye glass cleaner on the eye store. I got the card 10/10/14, and the first time I ever used it was 9 months later in July of 2015! That was my only time ever using the card. Something else must have happened too. I will using my card again next week. Sorry that happened to you.

Re: Found another use for Care Credit....

Countingpennies — Sat, 31 Oct 2015 21:52:09 GMT

I use it for unexpected, emergency vet bills. 0% over 6 months is nice if I don't have the cash to PIF.

Don't automatically expect to be able to spread payments over your choice of 6-12-18-24 mos. Always check with the provider about the deferred interest plans available on a particular service. My vet, for example, is only 6 mos. over $200.

Re: Found another use for Care Credit....

UncleB — Sat, 31 Oct 2015 22:20:20 GMT

@Countingpennies wrote:
I use it for unexpected, emergency vet bills. 0% over 6 months is nice if I don't have the cash to PIF.

Don't automatically expect to be able to spread payments over your choice of 6-12-18-24 mos. Always check with the provider about the deferred interest plans available on a particular service. My vet, for example, is only 6 mos. over $200.

My understanding is that the amount must be over $200 to be eligible for deferred interest, and the actual offering (6 months versus 12, 18, or 24) is actually up to the provider, at least to an extent. My own dentist indicated to me that when somebody takes a 0% offer it does 'impact' him, although he doesn't mind since it allows folks to get extra services they might not otherwise be able to afford.

I was rather shocked (pleasantly) that I had so many options for a purchase of only $670... but from what I've read on here (and on the Care Credit web site) the offers certainly do vary from place to place. To be safe always ask, since YMMV is very much the case.

Re: Found another use for Care Credit....

Countingpennies — Sat, 31 Oct 2015 22:28:08 GMT

@UncleB wrote:
@Countingpennies wrote:
I use it for unexpected, emergency vet bills. 0% over 6 months is nice if I don't have the cash to PIF.

Don't automatically expect to be able to spread payments over your choice of 6-12-18-24 mos. Always check with the provider about the deferred interest plans available on a particular service. My vet, for example, is only 6 mos. over $200.
+1

My understanding is that the amount must be over $200 to be eligible for deferred interest, and the actual offering (6 months versus 12, 18, or 24) is actually up to the provider, at least to an extent. My own dentist indicated to me that when somebody takes a 0% offer it does 'impact' him, although he doesn't mind since it allows folks to get extra services they might not otherwise be able to afford.

I was rather shocked (pleasantly) that I had so many options for a purchase of only $670... but from what I've read on here (and on the Care Credit web site) the offers certainly do vary from place to place. To be safe always ask, since YMMV is very much the case.

This should be considered as a "financing" card, not your typical charge card. If you have two different services on your card, for example, you will be paying on 2 different plans every month. My $900 vet bill will be about $150/mo. I had a follow up for $86. So to avoid interest, my next payment will be $150 plus $86. You can't just accumulate charges.

I should have put the $86 on another card, but I was so happy my furbaby was OK, I wasn't thinking.

Re: Found another use for Care Credit....

kuku4koco — Sun, 01 Nov 2015 01:19:20 GMT

Was your follow up within the same month? That happened to me, but my amount was over $200.. so maybe that's the difference.. I was able to finance it, over the same 6mo period as the first emergency... (within the same month).

(Edit: Also to say, as UncleB mentioned above... The original emergency was to a vet hospital, that asked me how many months I'd prefer (6, 12, 18 or 24)... the second incident, also at a vet hospital did NOT ask... I was only given the 6 month option. (considerably less amount, but still over $200).

***Thanks pizza1... I hope there's a medical spa near me!! I can already feel the massages and the needles for the botox!! Hahahaha

Re: Found another use for Care Credit....

Anomalous — Sun, 01 Nov 2015 01:15:19 GMT

Thanks for the tip! This one is on my 2016 list.