Anyone here use Care Credit for Vet?

[Marty]

We don't use credit cards anymore since retirement. Paid them off, cut them up. Gone.

We live on a strict budget and it works for us just fine.

But last week my puppy became very sick. This could have been a very costly surgery which would have upset the apple cart somewhat but thankfully it was not. Then I heard about Care Credit for vet procedures and I thought this could be a very good card to have for me to use for the animals just in case.

I researched Care Credit and found a lot of negatives and very angry people calling the company rip offs and bogus. I also read about many who were happy with it.

Mr. Retirement does not like the idea one bit but I think it would be good for an emergency.

Anyone ever use Care Credit?

 

[drmatthewtaylor]

In my experience Care Credit will extend credit to people who don't need it and won't to people who do.

The premise is that the caregiver (MD, DDS, DVM, etc...) accepts a partial payment (I think 85% of the bill) as full payment from Care Credit immediately while the patient/owner pays Care Credit over time. For my business, a 15% discount is simply too large to pay for the service.

What I encourage people to do is have 1 credit card you keep hidden away and never use with a limit on it high enough to get you through emergencies and then either make payments to the card or get a short term loan from your bank at a lower rate and use that money to pay off the card.

Dr. Taylor

 

[Performancemini]

I fully agree with Dr. Taylor. That is what we do. I like to make sure my vets are paid anyway. They are important people to us; just as important as our personal physicians!

 

[Shari]

No Vet in this area will do payments.

When our cat Sadie, needed surgery in the tune $1,200.00.... I did not have the money. So I ended up getting Care credit.

 

[Marty]

I found out that Care Credit would love to issue us a card but decided against it so I got my own little Visa to use in case of a vet emergency so we don't ever have pull anything out of what I call the "nursing home fund" LOL

 

[Debby - LB]

I used Care Credit many years ago for a colic surgery at UGA. At the time I didn't have almost 5k at hand and the university offered it as a option. Since I do NOT like to pay interest period I looked around and did not find any Visa or Mastercard that was offering 0% interest for 24 months like care Credit was so I did go with the Care Credit. If I remember correctly my payment was around $200. a month and I ended up payng it off before the 2 years. It worked well for me, no problems at all so I would recommend it.

At the time from their Website I recommended my local Vets to receive info. about it and both signed up and offer it to this day.

Since then I put back money for pet emergencies and when it got to a certain amount it just sits there, it's my do not touch fund. I did have a contingency fund back then but not for the amount of that darn colic surgery bill!!

Build a Vet. fee fund, I started mine with $20. a month, if you are faced with an emergency before it's high enough to use look around for interest free cards is my best advice.