What happens if you or a family member suddenly has severe pain in their mouth and needs dental work, and you find that insurance doesn’t cover all or most of the cost?
Often patients go to their dentist emotionally charged and make bad financial decisions. Many learn about dental credit cards at a dentist’s office because they trust their dentist and they believe they are getting a good offer. They choose CareCredit (the one you hear about most) with a 0% intro APR. Once the intro period is over, CareCredit charges all of the interest that was building from the date of their purchase if they didn’t pay their balance in full by the end of the 0% interest period. On top of that, the APR on CareCredit is monstrous.
You can save yourself a lot of headache and a potential bankruptcy if you take a look at regular credit cards instead. Because they are accepted everywhere, you can easily use them at your dental provider without first checking if they are enrolled. They normally have a much lower APR and annual fees. Many come with reward programs that can be very helpful.
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Once the 0% intro APR is over, the ongoing APR will apply. You may want to pay off the entire cost of the procedure before the introductory period ends. If you use a medical credit card, it may have a retroactive interest, which means you will pay interest back to the first day of the transaction in case you are unable to pay off the card balance.
If you see that you won’t be able to pay off the card balance in full by the end of the zero introductory period and want to prolong your 0% APR for another year or two, we would suggest you to do a simple balance transfer by applying for another credit card offer with a 0% introductory rate.
General credit cards can be used everywhere they are accepted. Another situation with the medical credit cards, like Synchrony Care Credit – these cards can be used for medical procedures and for doctor visits at particular medical institutions and providers.
You can pay for anything with your credit card if it is a general credit card and is accepted by your doctor, merchant or a retailer. A medical credit card can be used to pay medical procedures, like surgeries or dental procedures, and it is accepted at particular doctors and providers.
Medical credit cards like Synchrony Bank Care Credit do not usually offer rewards programs. They are created to help you to finance your medical procedures. A regular credit card with a reward program will allow you to earn rewards on every dollar you spend. However, there are exceptions. For example, such transactions like cash advances and balance transfers do not earn rewards.
Many 0% APR offers that are offered by major banks, do not charge an annual fee. Some cards come with a waived for the first year annual fee. Medical credit cards may have an annual fee. So, make sure to check the terms and conditions of the card you are applying.
of American households use credit cards to pay for medical expenses
The cost of providing health care to a typical American family is $25,000
Medical expenses have gone up
purchase you put on a CareCredit card**
Medical procedures may cost you a fortune and can eat your budget completely throwing you into the depths of debt. But today you can find a medical loan or a medical credit card with low interest that can help you stay aloft.
Why wait all your life and deny yourself the pleasure of being what you really want? Indulge yourself with a promise of a better life and arrange a surgery tomorrow. You can totally afford it with our credit cards.
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Disclosure
*Editorial Note: Any opinions, analysis, reviews, or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. The credit card offers that appear on this site are from credit card issuers from which Advanced Personal Finance Credit Cards receives compensation. This compensation may impact how and where products appear on this site, including the order in which they may appear within listing categories. Advanced Personal Finance Credit Cards does not include all credit card offers that might be available to consumers in the marketplace.
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