topic Re: Question about Care Credit Usage in Credit Cards

Question about Care Credit Usage

Anonymous — Thu, 09 Mar 2017 17:26:16 GMT

We're planning on getting a dog (or maybe two? ) soon, so I went ahead and applied for a care credit card for future emergency situations and was approved with a $3,500SL.

Now I am wondering: what if I won't have any emergency situations in the future / what will I have to do to keep the account active and prevent account closure? Should/can I occasionally put general medical expenses (for example for routine check-ups) on the card?

Thank you in advance!

Re: Question about Care Credit Usage

txtjjs — Thu, 09 Mar 2017 17:37:51 GMT

I just ran into to this as well. It depends on your doctor. A lot do take it, but not all. Also, some may have a minimum before they allow you to use it. My eye dr requires a $100 minimum to use CareCredit. If you have a Rite Aid near you, that would probably be the easiest way since it's accepted there.

Re: Question about Care Credit Usage

SunriseEarth — Thu, 09 Mar 2017 20:37:58 GMT

@Anonymous wrote:
We're planning on getting a dog (or maybe two? ) soon, so I went ahead and applied for a care credit card for future emergency situations and was approved with a $3,500SL.

Now I am wondering: what if I won't have any emergency situations in the future / what will I have to do to keep the account active and prevent account closure? Should/can I occasionally put general medical expenses (for example for routine check-ups) on the card?

Thank you in advance!

You may want to. Some have reported having no usage for 12 months and then experiencing account closure. I went for about 15 months of no activity on mine (finally used it at Rite Aid).

If you live near a Rite Aid, go in and buy yourself an ice cream cone every once in a while, if you need activity.

Re: Question about Care Credit Usage

MrsAngelo — Fri, 10 Mar 2017 03:05:25 GMT

Thefirtree I got a puppy in October. Didn't get pet insurance until a week later. In the meantime, I found out my dog has a congenital heart disease and wouldn't live longer than a year or 2 without surgery. Several thousand dollars later and I'm buried in cc debt to cover the costs. So if it were me I would keep it just in case. Also, don't make the same mistake I did grab good pet insurance. Enjoy your dog(s)!!! They are amazing companions.

Re: Question about Care Credit Usage

Aprile421 — Fri, 10 Mar 2017 20:01:09 GMT

Care Credit will def close your card after 12 months of no use. I just had this happen. I had an emergency with one of my cats. Checked the Care Credit site and the vet was listed there, applied for the card got approved and found out my vet did not take the card like advertised on the site. Sigh. We have no Rite Aids here and I had no where I could swipe the card to show usage and they closed my account right after the 12 month hit. I mean with in days of the statement cycle closing they don't play around. I had tried calling and explaining I wanted to keep the account open just incase I needed for the dentist or anything and they told me I'd have to reapply if that situation arose.

Re: Question about Care Credit Usage

irunfromcredit — Fri, 10 Mar 2017 20:06:29 GMT

Care credit was my first credit card years back. Got it when I had some significant dental work. Anyhow, I now use it for vet expenses. Depending on your vet it doesn't necessarily need to be on emergencies. I have used it for annual expenses for my dogs, vaccinations and preventative treatments I get through my vets office. I only use it twice a year when I bring my dogs in.

I also read you can use it at Rite Aid as well.

Re: Question about Care Credit Usage

pip3man — Fri, 10 Mar 2017 21:35:39 GMT

I last used my Care Credit in July 2015 for a dental expense that ran around $450 and never used it again. Account still open and credit limit intact as of right now.

Re: Question about Care Credit Usage

fritscher — Sat, 11 Mar 2017 03:03:55 GMT

another question..i have not used my care credit for a year but still ahve a couple hundred dollars balance on it..they would not close it as long as I have balance right? dumb question probably

Re: Question about Care Credit Usage

grillandwinemaster — Sat, 11 Mar 2017 06:59:59 GMT

@fritscher wrote:
another question..i have not used my care credit for a year but still ahve a couple hundred dollars balance on it..they would not close it as long as I have balance right? dumb question probably

Payments are considered activity.

Re: Question about Care Credit Usage

grillandwinemaster — Sat, 11 Mar 2017 07:02:36 GMT

@SunriseEarth wrote:

If you live near a Rite Aid, go in and buy yourself an ice cream cone every once in a while, if you need activity.

Ice Cream cone??

Get something a little more exciting, like a bottle of 12 year old Irish Whiskey!😀

Re: Question about Care Credit Usage

txtjjs — Sat, 11 Mar 2017 07:17:33 GMT

I was right under the 1 year mark last month, so I went ahead got some new glasses on my Care Credit, which I immediately paid off. I knew some people had their accounts closed at the 1 year mark for inactivity, and I wanted to avoid that. Today I had an unexpected vet bill that I was able to put on it, that I'll probably pay off pretty quickly. I wish there were a Rite Aid near me. Ice cream for the win! Haha

Re: Question about Care Credit Usage

Anonymous — Sat, 11 Mar 2017 12:03:04 GMT

I just googled rite aid and apparently there are none in Florida :/ does anyone know if rite aid will accept it for online orders?

Re: Question about Care Credit Usage

Anonymous — Sat, 11 Mar 2017 12:57:08 GMT

It's been about a year since I got mine. Don't have a Rite Aid close by either so I looked and don't remember being able to use it online. Been a while though

Re: Question about Care Credit Usage

Anonymous — Sat, 11 Mar 2017 12:59:25 GMT

There is a free shipping offer on their website so I would say yes,