topic Re: Credit Care (Synchrony Bank) or PLOC? in Credit Cards

Credit Care (Synchrony Bank) or PLOC?

DoroLucky — Mon, 23 May 2016 00:34:57 GMT

I'm suppose to be gardening BUT I feel like I need to get one more INQ/new account out of the way before I can stay firmly under the dirt lol. Always wanted cosmetic surgery and I'm thinking of doing it now or I'll need to wait until after I purchase my home which could be late 2017 or sometime in 2018. Doing it now would mean I'll pay it off within a year.

Not sure if I want to get a PLOC since I am still within 90 days with PenFed or should I go with Credit Care? I'm only thinking of a PLOC to avoid another HP and new account. If Credit Care, which bureau do they pull? Are the inquiry and new account sensitive?

Or should I garden, get the house and "girls" (LOL) later?

Re: Credit Care (Synchrony Bank) or PLOC?

Loquat — Mon, 23 May 2016 00:57:18 GMT

Care Credit/Sync typically pull TU and can be very generous. I was approved at almost $10k out of the gate. PenFed PLOC is awesome but I'll be honest, it's a lot harder to get than their credit cards. Most folks are shot down instantly, some go pending with a loan officer and still denied. But there are some success stories as well. I'll also add that CareCredit tend to have really good finance options as well. Depending on what procedure you're having, you can score 0% for a year or better. As you know with a PLOC that isn't the case. Best of luck in whatever you decide.

Re: Credit Care (Synchrony Bank) or PLOC?

Anonymous — Mon, 23 May 2016 00:56:08 GMT

Your call, but I would go for the PLOC first and then Care Credit. Let us know how it goes.

Re: Credit Care (Synchrony Bank) or PLOC?

Anonymous — Mon, 23 May 2016 01:44:53 GMT

I was able to finance my Invisalign with 0% APR for 24 months with Care Credit. I financed $3.4k.

Re: Credit Care (Synchrony Bank) or PLOC?

UncleB — Mon, 23 May 2016 02:53:47 GMT

Care Credit can have some really good 0% offers.

You might want to check with your provider to see what could be available (there's evidence on here that the promo offered at the time of sale can be somewhat specific to the provider, i.e. how many months you're given).

Re: Credit Care (Synchrony Bank) or PLOC?

DoroLucky — Mon, 23 May 2016 14:25:40 GMT

@Loquat wrote:
Care Credit/Sync typically pull TU and can be very generous. I was approved at almost $10k out of the gate. PenFed PLOC is awesome but I'll be honest, it's a lot harder to get than their credit cards. Most folks are shot down instantly, some go pending with a loan officer and still denied. But there are some success stories as well. I'll also add that CareCredit tend to have really good finance options as well. Depending on what procedure you're having, you can score 0% for a year or better. As you know with a PLOC that isn't the case. Best of luck in whatever you decide.

TU, that is great to hear as the others are chilling on ICE ***BRRRRR****. I can spare an INQ with TU.

Well I went ahead and pulled the trigger on the PLOC, I really have nothing to lose. I requested $20K (because I think the procedure will cost about $10K or more) and they offered a 10.5% APR. App is pending...so lets see how that goes. THANKSSS

Re: Credit Care (Synchrony Bank) or PLOC?

DoroLucky — Mon, 23 May 2016 14:26:59 GMT

@Anonymous wrote:
Your call, but I would go for the PLOC first and then Care Credit. Let us know how it goes.

You're right, I did. App pending Thanks

Re: Credit Care (Synchrony Bank) or PLOC?

DoroLucky — Mon, 23 May 2016 14:29:50 GMT

@UncleB wrote:
Care Credit can have some really good 0% offers.

You might want to check with your provider to see what could be available (there's evidence on here that the promo offered at the time of sale can be somewhat specific to the provider, i.e. how many months you're given).

I'm almost sure you're right. I believe I read that on their site. Let's see what Pendfed says. Even if approved, I might still go with Credit Care because of those 0% offers. I will def check with my provider Uncle B

Re: Credit Care (Synchrony Bank) or PLOC?

DoroLucky — Mon, 23 May 2016 14:31:34 GMT

@Anonymous wrote:
I was able to finance my Invisalign with 0% APR for 24 months with Care Credit. I financed $3.4k.

That is awsome. I would LOVE something like. I want a pair of "GIRLS" and Lasik

Re: Credit Care (Synchrony Bank) or PLOC?

woodyman100 — Mon, 23 May 2016 15:01:19 GMT

DW and I both had Care Credit.
I had a $15k line and she had a $9k line.
All but one of the kids are out of the house so we figured it was time get selfish and fix our selves up for a change.
She went for the whole enchilada of dental work last year to the tune of $12k financed for 24 months at 0%.
Part on hers and part on mine for utilization.
That's all well and good, but I was stuck with hard payments of $500 a month.
That was easily payable or I could pay it off with savings.
No! We have a strict rule in our house. Savings are for old age!
I payed the 2% fee and BT'd the balance over to Capital One on the 0% for 18 months.
I pay more than the original $500, but if I get in a pickle, I can reduce it down lower if I have to. I feel better with this arrangement.
When that's paid off, it'll be my turn

Re: Credit Care (Synchrony Bank) or PLOC?

DoroLucky — Mon, 23 May 2016 15:16:29 GMT

Thanks for sharing Woodyman. I am soooooooo excited about this and I can't wait to get it done. I just plan on showing up looking a bit swollen as I have no plans of telling anyone.

I have an appointment with my surgeon next week. Already checked Credit Care and his practice was the first one to pop up in this area. There's something else I wanted but he did not start doing it until recently they've confirmed....was thinking about going to another state, now I don't have to. My summer will be very very interesting LMAO!!!

Re: Credit Care (Synchrony Bank) or PLOC?

UncleB — Mon, 23 May 2016 15:38:20 GMT

@woodyman100 wrote:
DW and I both had Care Credit.
I had a $15k line and she had a $9k line.
All but one of the kids are out of the house so we figured it was time get selfish and fix our selves up for a change.
She went for the whole enchilada of dental work last year to the tune of $12k financed for 24 months at 0%.
Part on hers and part on mine for utilization.
That's all well and good, but I was stuck with hard payments of $500 a month.
That was easily payable or I could pay it off with savings.
No! We have a strict rule in our house. Savings are for old age!
I payed the 2% fee and BT'd the balance over to Capital One on the 0% for 18 months.
I pay more than the original $500, but if I get in a pickle, I can reduce it down lower if I have to. I feel better with this arrangement.
When that's paid off, it'll be my turn

I got my Care Credit last August with the intention of keeping it in the SD until it was time for my dental implant. Lucky me... I broke a tooth just a month later and had to get a full crown (my dentist can sometimes do 1/2 or 3/4 crowns that are cheaper... but not this time - of course). When I went to pay (approx. $900) I was given the option of 6, 12, 18, or 24 months to pay... of course I took the longest period, not planning on needing that long, of course.

In November I went to get my implant done (the total was $1895), and when I went to pay I was only given the choice of 12 months. Since I had a shiny new screw in my jaw, stitches, and novocaine that would soon be wearing off I didn't bother to ask why those were the only options this time. (It was the same provider that did my crown.)

I plan on having it PIF well before the deadline anyway, but if something were to go wrong I would quickly BT the remainder over to Capital One or Discover without concern.

I'll only add for anybody that might be looking at Care Credit to be sure to have any promo PIF before it expires or they will add on interest back to the very first day ("deferred interest").

The promo for my implant expires on December 23, but I plan to have it PIF by December 1 to be on the safe side. Also FWIW they make it very clear on your statement (or online) when the promo expires, so you really do have to be careless to miss it - it's not "hidden" or anything.

Re: Credit Care (Synchrony Bank) or PLOC?

UncleB — Mon, 23 May 2016 15:48:19 GMT

@DoroLucky wrote:
Thanks for sharing Woodyman. I am soooooooo excited about this and I can't wait to get it done. I just plan on showing up looking a bit swollen as I have no plans of telling anyone.

I have an appointment with my surgeon next week. Already checked Credit Care and his practice was the first one to pop up in this area. There's something else I wanted but he did not start doing it until recently they've confirmed....was thinking about going to another state, now I don't have to. My summer will be very very interesting LMAO!!!

At the risk of sounding 'creepy', I'm happy for you and once underway I wish you a speedy recovery!

We only go around once, and we might as well be happy with ourselves. In my case the implant was for the tooth just behind my "eye tooth", so it wasn't too noticeable unless I smiled really big, which I avoided (for obvious reasons). It made no functional difference at all (it clearly didn't slow me down eating... LOL) but as expensive as it was I felt like doing it for "me".

My resources are rather modest compared to many on here, and a $2k purchase for something like this is significant for me, especially for something 'cosmetic' (I'm a 40-something dude, nobody much looks my way anyhow... LOL). It took four months to heal, and I got the crown attached last month - I couldn't be happier.

I'm glad I made the investment in myself, and you will be as well.

P.S. Let us know later on how your lasik goes... I'm interested in getting that done myself.

Re: Credit Care (Synchrony Bank) or PLOC?

DoroLucky — Mon, 23 May 2016 15:55:00 GMT

@UncleB wrote:
+1

I got my Care Credit last August with the intention of keeping it in the SD until it was time for my dental implant. Lucky me... I broke a tooth just a month later and had to get a full crown (my dentist can sometimes do 1/2 or 3/4 crowns that are cheaper... but not this time - of course). When I went to pay (approx. $900) I was given the option of 6, 12, 18, or 24 months to pay... of course I took the longest period, not planning on needing that long, of course.

In November I went to get my implant done (the total was $1895), and when I went to pay I was only given the choice of 12 months. Since I had a shiny new screw in my jaw, stitches, and novocaine that would soon be wearing off I didn't bother to ask why those were the only options this time. (It was the same provider that did my crown.)

Spoke with my provider and they only offer the CreditCare 6 months 0% financing OR the lower apr option of 14.9% for 24 or 36 months. I'll def do the 6 months deal and BT if I can't PIF by the expiration. Just got a new Cap1 QS with 0% APR until 2017 AND I have a Venture that I'm frequently getting a BT offers on for 0% 18 months.

However if all else fails and I can't get approved for CreditCare, I'll do the PLOC if approved since the apr is lower. Hell I might just stick it on my QS and several cards with the 0%apr right now. This way, no HP or new accounts on my reports. I think I may even go in this direction depending on the cost. I'm certain my surgeon will give me a nice discount because I'm not a new patient and I've sent others to him....he did tell me he would give me a discount when I am ready.

Re: Credit Care (Synchrony Bank) or PLOC?

DoroLucky — Mon, 23 May 2016 16:04:20 GMT

@UncleB wrote:

At the risk of sounding 'creepy', I'm happy for you and once underway I wish you a speedy recovery!
We only go around once, and we might as well be happy with ourselves. In my case the implant was for the tooth just behind my "eye tooth", so it wasn't too noticeable unless I smiled really big, which I avoided (for obvious reasons). It made no functional difference at all (it clearly didn't slow me down eating... LOL) but as expensive as it was I felt like doing it for "me".
My resources are rather modest compared to many on here, and a $2k purchase for something like this is significant for me, especially for something 'cosmetic' (I'm a 40-something dude, nobody much looks my way anyhow... LOL). It took four months to heal, and I got the crown attached last month - I couldn't be happier.
I'm glad I made the investment in myself, and you will be as well.
P.S. Let us know later on how your lasik goes... I'm interested in getting that done myself.

Thanks Uncle B, you're always so supportive and you don't sound spooky at all but I get it lololol. FYI, 40-something isn't old. Trust me I know firsthand that the investment is well worth it. I'm sure I'm going to be very pleased with them

As for the Lasik, I'm not in a rush but it's coming. However, the girls are long overdue

Re: Credit Care (Synchrony Bank) or PLOC?

Anonymous — Mon, 23 May 2016 16:34:44 GMT

Good luck!

Re: Credit Care (Synchrony Bank) or PLOC?

DoroLucky — Mon, 23 May 2016 19:43:34 GMT

OMG OMG OH MY GODDDDDDDDDDDDD I just checked my PLOC app status and PenFed counter-offered but for only $5K. Should I accept and recon the amount? LOL can that even be done???

Re: Credit Care (Synchrony Bank) or PLOC?

Loquat — Mon, 23 May 2016 21:53:51 GMT

@DoroLucky wrote:
OMG OMG OH MY GODDDDDDDDDDDDD I just checked my PLOC app status and PenFed counter-offered but for only $5K. Should I accept and recon the amount? LOL can that even be done???

Congrats on the approval? Did you accept?

Re: Credit Care (Synchrony Bank) or PLOC?

DoroLucky — Mon, 23 May 2016 22:39:24 GMT

Not yet! Saved it, offer is good for 90 days. As I thought about it some more, I'll prob just put it on my 0% cards. I'm sure the entire procedure will cost wayyyy over $5K because I've had the consultation before and I'm looking at no less than $8K.

Can I recon for more? I don't really need the PLOC but I may just get it just to have.

Re: Credit Care (Synchrony Bank) or PLOC?

Anonymous — Mon, 23 May 2016 23:50:26 GMT

Just my take on it, I keep my PLOC (it's new) for emergency cash situations so I don't need to dip into savings. I would take it and let it sit then use it a bit and later ask for a cli. Just my humble opinion. Everyone doesn't get approved for their PLOC's.