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This is probably a foolish question but has anyone ever had luck getting the terms of their Care Credit interest free extended? I ask because I have 2 seperate charges on my account, one for my glasses for $200 which was given 18 months. The second, was for $1200 but I was only given 6 months to pay that off. I know I can direct my payments to the charge expiring sooner but I was hoping there would be a chance to get more time.
Nope no extensions.. If you cant pay it off it time psosibly BT it to a card with 0 APR until you can pay it off?
@CreditCuriousity wrote:Nope no extensions.. If you cant pay it off it time psosibly BT it to a card with 0 APR until you can pay it off?
+1
I'll add that with Care Credit the purchases are deferred interest, which means if you don't have a purchase PIF by the time the period expires they go back and add interest from the day of the original transaction.
I also currently have two 'plans' active on my account, and in my case the smaller one also has the longer period of deferred interest. My shorter (and larger) plan expires in December, and if I happen not to have it PIF by November I plan to do a BT to Quicksilver or Discover.
Note that I'm making sure it's PIF a month early... it would be terrible to be off by a few days and get soaked with all that back interest!
That was a big *duh* on my part. I will throw as much extra cash at it as i can over the next few months and then balance transfer to my credit union. Not 0% but 5.9 on the balance is better than 26% on the whole thing. Thanks for the reminder!
@Charger_Fan19 wrote:That was a big *duh* on my part. I will throw as much extra cash at it as i can over the next few months and then balance transfer to my credit union. Not 0% but 5.9 on the balance is better than 26% on the whole thing. Thanks for the reminder!
I disagree... not a 'big duh' at all...
The 'big duh' would have been not checking things out and ending up with back-interest added back on!
It's the wise folks who ask questions and save themselves money and headaches.
Personally, if I couldn't PIF before the promo period ended, I'd probably just BT the balance off to another 0% offer on another card. I'd be doing this well before the Carecredit promo ends, because they do charge interest retroactively. So, if you decide to BT it, do so at least 3 weeks before your promo ends, so your BT has plenty of time to post to CC.
Edit: Oops, it looks like that's pretty much what UncleB told you above.
@CreditCuriousity wrote:Nope no extensions.. If you cant pay it off it time psosibly BT it to a card with 0 APR until you can pay it off?
Yes, there are several good BT offers out there.
@UncleB wrote:
@CreditCuriousity wrote:Nope no extensions.. If you cant pay it off it time psosibly BT it to a card with 0 APR until you can pay it off?
+1
I'll add that with Care Credit the purchases are deferred interest, which means if you don't have a purchase PIF by the time the period expires they go back and add interest from the day of the original transaction.
I also currently have two 'plans' active on my account, and in my case the smaller one also has the longer period of deferred interest. My shorter (and larger) plan expires in December, and if I happen not to have it PIF by November I plan to do a BT to Quicksilver or Discover.
Note that I'm making sure it's PIF a month early... it would be terrible to be off by a few days and get soaked with all that back interest!
I generally do the month or two early as well.