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Discussion Starter #1
I was looking into Care Credit for MowMow's dental. That would allow him to have it ASAP and then I'll pay it off in the next three months...

That brings me to my question. Do they ding you for paying it off early? If I sign up for a 6 month repayment and pay it back in 3 will they charge me a penalty fee?

I don't want to sign up for Care Credit until I hear about the lump. We may be rolling it all into one big surgery and one ENORMOUS bill. Then I'll look into one BIG loan from them (I hope they approve me).
 

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Krissy, The Care Credit card is our "insurance" for our pets, so it gets used a bit!
I am paying big payments to get it knocked off...since I really need to get Peaches in for a full dental, before she gets any older!

There is NO Penalty for paying off early!!

We've never had any problems with Care Credit either!
Sharon
 

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Discussion Starter #3
Thanks Sharon!

:p I'm obsessive about planning. I do my budget for 2 years in advance and of course things change weekly so I'm always messing with it and updating it. Right now I've got THREE different budgets on that spreadsheet.
One for as it stands now.
One for just in case I'm denied for care credit (He can get his toophisis fixed on July 29th and I'll need to borrow a little from my momz)
One budget for payments for care credit as per there calculator.

I can't bring myself to make one for the unthinkable (the lump needs to be removed). That'll be a WHOLE new ball game that terrifies the crap out of me. Can't think about that yet.

Either way, all my discretionary money for the next little while is sitting in his pearly whites. The guys at work think I should get him gold caps(I'm getting a LOT of flack for spending this much money on an animal) so he can look really awesome.
 

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Krissy,
I know about the budget!
One other thing about Care Credit, there are $$$ levels, if your bill is under a certain level, its six months interest free, if paid in full.
If it's over a certain amount, It's extended to a year, interest free, if paid in full.

I've been looking for Charlie's vet bill, because he had 4 teeth removed, and a very good cleaning....
This was done at the same time they had to put him out for his foot biopsies. Everything was just under a 1000.00 bucks.
He had already had up to date blood tests, so that wasn't needed again.

I do recommend getting the dental
x-rays...I'm sure glad I did with Charlie...who knew that a cat thats only around 3 1/2 could have the dental problems he had!
My poor little boy...
He's a happy camper now tho', so all was worth it!

If MowMow has to be under anesthesia for a lump removal...
Have the rest done at the same time!
It will save money in the long run, rather than doing it ala carte!
Sharon
 

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Discussion Starter #5
That's exactly what I meant. I don't want to apply for the care credit yet, I want to wait for the pathologist report on the lump so that if it does need to come off then I'll just apply for one big enormous amount from care credit.

So, I sit twiddling my thumbs and going crazy. I want to be proactive and get it all over with!
 

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Krissy, Get the card now!
Just because you have it, doesn't mean you have to use it either!
There's also NO Penalty for not using it!
And whether it's six months or a year, there are NO Penalties for paying it off early!
It really is a GREAT Backup card to have! :)
Sharon
 

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Discussion Starter #7
Oh wait, it comes as a credit card? I assumed it was like a loan... they pay off the vet directly and I pay care credit back....

Do you have a link for the one you're using?
 

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Yep! I'll get it to you!
 

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Krissy, try this one:

www.carecredit.com

It is a part of GE Capital credit services!
Also heres a phone # for Customer Service!
1-866-893-7864
 

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Discussion Starter #10
I was approved for 800. That's not bad at all. Very doable and I can pay it off in 6 months without stretching too badly (thank goodness for July being an extra paycheck month).

I can come up with the rest by the first of July.

Woot, thanks so much for your help Sharon!!
 

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Krissy,
No Problem!
It definitely helps the Peace of Mind, for those "What If" circumstances, when they pop up!!
Glad you're approved! YAY!
Sharon
 

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Discussion Starter #12
So once it's paid off it's just a credit card that sits with an 800 available credit?
 

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Yes! That's whats nice!
You'll have that amount to use over and over! (Of course, hopefully you won't have to!)
But we know the kind of curve balls, our furkids like to throw at us! ;):p
To bad more people don't look into this, as a very good backup plan!
 

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Oh, looks like all your questions were answered. I don't think it just becomes a credit card after paying it off - it's only able to be used at places that accept care credit. You can use it on vision, dental (for yourself) and other medical services. Just have to look around. I didn't expect you to have any trouble getting approved - I was approved for 3600 when I was only making about 600/mo.

10c, do you know if you don't pay it off in full before the 6 months, are you charged the interest rate on the full amount or just the remainder?

Oh and you two - check out mint dot com if you haven't heard of it! It is a great tool for budgeting if you're just using spreadsheets.
 

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Oozma,
You have to pay the full amount before your interest free period is up.
If you don't, you will be charged interest for the WHOLE time!
And no it's not a credit card, like a Visa or MasterCard, etc.
But for the things you may need it for...it's really nice to have!
Sharon
 

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Discussion Starter #16
I was worried because I have that recent bankruptcy on my report.

I was HOPING for 1200 ( to include the lumpectomy) but I'm thrilled with what they offered.
 

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Krissy,
Once you've been with them for a while, with a payment history, you can always request a review and a credit bump up!
The worst they'll do is say, "no, at this time."
Sharon
 

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Yeah, care credit really helped me with my cats! Recently they bumped up my amount because my credit score got higher!
 

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The great thing about Care Credit is that it works for humans and pets. I had to get my wisdom teeth taken out (rather late in life, I might add) and I put that all on my care credit. I paid it off before it was all due and haven't used it since. However, I have to use it for my mom's cat with kidney failure and I'm still approved for up to $1400 with no annual fee.

It can't be used as just a regular good old credit card though, I believe it only covers medical visits and procedures and possibly prescriptions, but I've never tried it with my prescriptions. They also have a Car Credit from the same place that's used at Meineke and works the same as Care Credit.
 
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