CareCredit??

[WDWorBUST]

Can anyone tell me about their experiences with CareCredit for vet services?

 

[plummer925]

I have used it at my vet. Make sure you get the special financing (0% financing!). The amount of time does depend on the company - it's basically their choice. My vet gives 6 months interest free (My dentist, on the other hand, allows up to 18 months interest free). Make sure you make your minimum payments on time or interest will be added on from the day charged. If not paid in full by the end of the promotional time, interest will be added on, again, from day one (NOT from the day the promo ends, but the day you charge it).

It's a decent card so long as you take advantage of the 0% offer and pay it in full before it runs out.

 

[ShelsGoingToDisney]

I have not used it for vet services but I did use it to buy my hearing aids last year. My audiologist's office had the 12 month 0% offer so I used that. I just took the total and divided by 12 and paid that amount each month.

As said make sure you pay the minimum payment each month and make DARN sure you pay in full before the promotional date is up or you will be charged the interest from day 1. If you are diligent about it it can be a great deal. I would use it again for the vet or other medical service that I needed.

 

[mouselike-harrier]

I used it when my dog needed disc surgery. We got the 0% financing, for at least a year, maybe 18 months. It worked well for us and we paid it off before the interest kicked in. We actually applied for the card at the emergency vet's office.

 

[jmartinez1895]

I too have used it at the vets office and they gave me a choice of 18 months no interest or a lower interest rate that would be charged monthly. I chose the 18 months knowing that I would have it paid off, the office cautioned me that with the interest " free" it is really a differed interest and that the interest accumulates and then gets billed to you. I don't know if they all do that as each doctor seems to be able to work out there own financing options with CareCredit, but I just wanted to caution you to read the fine print just in case.

 

[WDWorBUST]

So I went ahead and applied for it thinking it would be a great option as I'm familiar with the way the interest is calculated (Best Buy is what comes to mind)....but was declined. Anyone know what criteria they use?? I just checked my credit score last week and it was 826 - I am dumbfounded that I was denied?? We use one card and it's paid off monthly and other than that I have a home mortgage?

 

[plummer925]

So I went ahead and applied for it thinking it would be a great option as I'm familiar with the way the interest is calculated (Best Buy is what comes to mind)....but was declined. Anyone know what criteria they use?? I just checked my credit score last week and it was 826 - I am dumbfounded that I was denied?? We use one card and it's paid off monthly and other than that I have a home mortgage?

You may have too GOOD of credit for it. I have found - in my circle - that those of us with spotty credit (I have a bankruptcy from 10 years ago due to a business closure that is on my credit) seem to get it and those with good credit do not (those with BAD credit do not either). It is a weird company. I got it with $4000 credit line with only Social Security disability income, and hubby was declined with a fulltime job. Really strange.

 

[WDWorBUST]

Maybe that's it.....but disappointing.

 

[ShelsGoingToDisney]

I had no trouble getting approved last year with a credit score in the 800's, but again it was for hearing aids and not vet services. Maybe the type of service has something to do with how picky they are? Sorry you're having troubles.

 

[njcarita]

they have to tell you in writing why the denied you... i would be concerned.. check you credit reports all 3 of them they may be a mistake on them........

 

[WDWorBUST]

I will get the reason I was declined by mail in approximately 7 days...gotta love that. In the meantime My husband mentioned credit reports too so I was going to check that too, just in case. Thanks everyone