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April 9th, 2010

CareCredit

As I was walking out of my vet’s office last week, I picked up a brochure for something called CareCredit. I looked it over and liked what I saw: a credit card specifically for vet care (though it exists for human health care as well) that lets you spread out your costs, interest-free, over at least a six month period at participating providers. Given that we have some larger bills coming up soon, I decided to investigate further to try and find the catch.

Alas, it appears there aren’t any. A few people that I talked to that have used it have spoken very highly of it. The only thing is, they said, don’t miss a payment (there is a small minimum payment due each month) and be sure to pay off the bill before the end of the six month period. Given that you can set auto-pay amounts online, that shouldn’t be a problem, but I’ll definitely keep it in mind.

While it doesn’t save me much money (the small amount of interest I’ll earn, aside), it does make the expense a little easier to deal with knowing that I can spread the cost out over a few months and not pay anymore overall.

Oh. Plus: instant approval and the ability to use the number right away, before you get your card.

Posted in Consumer Commentary

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