I need $17000 in dental work and need to know what options are best applying with CareCredit?

[Kree]

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wrote:

I have Care Credit and presently have 0% for 24 months on my balance. I love my card.

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Double check that it is 0% and not deferred interest. They will often avertise deferred interest as 0%* .  Still gets you 0%, but if you don't pay it off within the 24 months, suddenly 12 years of 24% get added on at once.

[Anonymous]

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wrote:

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wrote:

I have Care Credit and presently have 0% for 24 months on my balance. I love my card.

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Double check that it is 0% and not deferred interest. They will often avertise deferred interest as 0%* .  Still gets you 0%, but if you don't pay it off within the 24 months, suddenly 12 years of 24% get added on at once.

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I haven't checked, but I'm not worried about it, since it will paid off in 12 months.

[Gollum]

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@Anonymous wrote:

Does Care Credit offer any sort of 0% for X amount of time when you get their product?  I had one maybe 10 years ago and don't recall if they do, but do remember a ridiculously high ~25% interest rate.  How long are you planning to taking to pay off the amount of the procedure you're getting done?  To me, Care Credit was the Devil way back when and not a product I would ever use again or recommend to anyone.

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For medical/dental/veterinary providers, yes, and the length of time is up to the provider;  for "retail location" use, maybe, maybe not... it's difficult to tell based on their answer to a FAQ: https://www.carecredit.com/faqs/#promotionalfinancing

[JR_TX]

If you’re absolutely sure that you can pay it off in 12 months then why not just app for a new major that offers 0% for 12-15 months intro APR card that has a nice SUB?! That $17K should get you some really nice perks! My only concern is getting that SL.

[SouthJamaica]

Care Credit sometimes give surprisingly high credit limits.

The best way to go about this is to ask for a huge limit much higher than you expect to need; they will counter rather than turn you down if it's too much.

Then after you're advised of the starting limit, call and recon, again asking for a huge limit; again, they will counter rather than turn you down if it's too much.

[Anonymous]

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wrote:
If you’re absolutely sure that you can pay it off in 12 months then why not just app for a new major that offers 0% for 12-15 months intro APR card that has a nice SUB?! That $17K should get you some really nice perks! My only concern is getting that SL.

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If this is for me, I'm not the OP. I do not have 17K on my card. Also if I did have 17K on the card, I couldn't just app for a 0% card since I have a 2 yr old BK.

[Anonymous]

With your scores you can most likely get the $17k or close to it. I applied and put $6k and was approved. Realized I left money on the table. Called in and bumped it to 7500. Scores in my signature. As for applying you can include your mothers income if you still live with her (household income) or (income and asserts available to you). Or you can have her cosign and both have a card. Or apply separately as suggested. With her scores similar to mine is say they will approve anywhere from 6-10k on here alone. Being her applying separately though she will have to add you as an authorized user or be there to pay when its time. If this is the case I'd just suggest co applying. As for the MasterCard.  I know its harder to get. But I think your scores will be able to justify it. Either way I think you will get all this worked out no problem. As for the other posts. Yes it is deffered interest. And you can choose 6,12, or 24 months depending on amount spent. However when your at the dentist be sure to ask for as much time as possible (even if you can pay it sooner. You never know what can happen. Emergencies happen etc.) Because some of them are known to just choose the shortest time possible or select on their own without asking you. Good luck and let us know what happens!

[Anonymous]

I remember before Synchrony/Care Credit it was backed by GE Capital or GE Money Bank and there was tons of bad publicity on the product.  I want to say this was around 2013.  Card holders experienced massive amounts of interest that weren't appropriately disclosed in the terms up front and I know GE had to make good on a ton of accounts (lowering what was owed).  Ever since those days, I haven't seen Care Credit as a positive entity.

[AverageJoesCredit]

I thought the Mastercard. Ersion was only available as an offered upgrade?. Otherwise i would think we would see alot more apps for the MC version here which i have not.

Also op, with your score you should be able to get a nice limit and a even higher limit after by calling Credit Solutions. Was a recent poster, who made less than you , get like 9k or somewhere around there on approval snd he actually got it up to 20k. I remember it because it was one of the highest i had seen for a CareCredit limit. Good luck on your procedures

[Anonymous]

I have Care Credit and love it. I use it for dental, vision and my furry babies. I have an 18k CL, but it was like pulling teeth to get it up there.All that being said, you will want to check with your dentist to see how many months he gives for payment of the charge. My dentist and eye doctor only give six months, but my vet gives 24 months. An important factor if you want to pay in 12 months. Good luck!