Care Credit Pickle- UTL

[Anonymous]

So I need some dental work done that is costing me 12.3k. I applied for Care Credit in office and got approved only 8k. Called for a CLI and only upped it to 9600. I really don't want to max out my care card because of UTL :/ . They offered me a 14.90 APR for 48 months but hopefully planning to pay it off sooner or balance transfer.

-What type of Credit is Care Credit? Revolver or a Loan?

-Will this hurt my overall UTL maxing it out? (I'm currently at 1% UTL overall)

I'm planning on apping for a place in 2 months so really don't want any big hits to my score since I worked hard on getting it to where it is now..

Any advice would be great

[Anonymous]

Care Credit is revolving and maxing it out will cause some Fico points lost. 

[A1Credit]

Do you have any other credit cards that offer 12/14 month 0% interest.  If you do and it has a higher CL, I would go that route. Either way you are probably going to take a ding on FICO points due to the utilization percentage.