CareCredit helps you pay for out-of-pocket healthcare expenses for you, your family, and even your pets! Once you are approved, you can use it again and again* to help manage health, wellness and beauty costs not covered by insurance.
Over 175,000 healthcare providers across the US accept CareCredit and offer medical services including vision and dental services, as well as pharmaceutical purchases. The card’s application is available online on the CareCredit website and can also be filled out by calling a customer care representative.
Once the application is approved, the account holder can use the card multiple times, as long as the purchases are within the individual’s approved credit limit.
Options to pay the card off are 6, 12, 18, or 24 months financing with no interest charges if paid in full within the promotional period and if a $200 minimum in purchases has been made.
In addition, an extended 60-month interest-free financing period is offered to pay for purchases of $2,500 and up. Payments can be made online or by phone, using a checking account or debit card.
While there are advantages of using the credit card, interest and fees incurred can sneak up on the account holder. CareCcredit advises consumers that only paying the minimum amount that is due on the account every month may not pay off the full balance before the availed no-interest promotional period expires. Individuals who do not pay off purchases within the interest-free time period may incur expensive finance charges. If not cautious in managing CareCredit bills, significant expenses may be incurred from the card’s associated fees.
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