Anyone use CareCredit?

I'm not sure, how did you apply?? I am needing a card b/c with my payday loans I have sucked my acct dry and now I have medical bills to pay??

Believe it or not 600 is not that terrible of score. I would prefer a 800 but will never be there. I would think if your dentist accepts this it would be ok. I only have capital one. I have stuck with them. They gave me a chance when no one would. KYSIDE38

My dentist does accept it. I am sure I'll end up paying more interest than they claim, but I don't want my teeth to rot and fall out. :cry: I just now tried to do another search on their website for medical doctors, but the search function is not working. I know when I searched last night, just about all the dentists in my zipcode were providers and the vet for my birds were too. My health insurance is pretty good, my dental insurance is not so good. Someday, I'll be able to save money to cover such things and will not have to scramble for loans, credit cards to keep me smiling pretty. I should be greatful that I have insurance at all.

JMM, I am with you on that one. Without insurance with all my health problems I would probably be on the street living. Take care of those teeth. KYSIDE38

I just talked to my dental office. He said that CareCredit works real well for their patients. He has never had one complaint - so I feel better now. I have worked hard to get my credit score up to that whopping 600-630 :? and don't want to mess it up with a stupid decision.

This loan will be reported as a new account in your credit report. Your payment history will determine the future standing of your credit scores. If you pay in full and within the due dates, your scores are going to be better otherwise it will keep coming down.

In other words, do you really need to multiply your debts at this stage? If you are assured of paying back within the due dates, it won't be a problem.

I have rehabilitated my defaulted student loans and they were sold to a lender. I paid off $1000 in payday loans. I have a student loan and one gas station credit card (I am not going to blow $500 at SuperAmerica) and have no other outstanding debts. I sold my car in order to pay off the payday loans and now I walk 3/4 mile to catch the bus everyday. I feel great and I may never get another car! I love taking the bus. I work as much OT as I can and opened a savings account with a whopping $100. However, I need the dental work done. I'll work OT till I drop to pay the card off. I monitor my credit. My score went from 510 to 600-630 in two months after my student loan went off default. I don't plan on letting it all go down the toilet again. :lol:

JTM, Please register and join us on the forums you are an inspiration!!!! KYSIDE38

JMM that is great how you have pulled yourself out of the financial hole. IF you like riding the bus and its feasible for you then there is no reason for you to take on the expense of a car. As for the dental stuff, you know things come up and we deal with them how evere we can. If you dentist has no bad information about the company then go for it. Just make sure you get it paid down monthly, you need your teeth! Good luck and register here you seem to have valuable information

I don't plan on being Toothless in Minnesota. :P I am lucky that I can take a bus to work. My company gives out discounted bus passes because we are in downtown St Paul and it is expensive to park. Sometimes it is the only relaxation I have in a day because I work so much OT and then go home and do laundry, etc. I read and shoot the breeze with other passengers. On the weekends, I can use my live-in's truck to go to work and shop, etc, but I usually take the bus. I did not want to close my checking account to pay off the payday loans and subject myself and other's to the phone calls that would have resulted in closing the checking account. Selling my car was the smartest thing I did. It was only worth $1800, but it made all the difference. I won't buy another car till I have a decent down payment and my payments are reasonable. I budget every nickel. No more going out for lunch at work or buying $2 coffee every day. I bring my own coffee and pack a sandwich. I got a prepay cell phone and am wearing last year's clothes. I should now be able to actually save 200-300 a month or more, but of course the tooth fairy did not smile down on me when I went to the dentist. She wants my teeth and I won't let her have them! The dental work will be around $1000 up front to pay after the insurance and I just don't have all of it, so I am charging at least $500. I have 43 hours of OT on my next check and I am done Xmas shopping, so I should be good to go to pay at least $500 of the bill myself. I should have no problem paying it off.

When you get to the point of looking for a car please do your research. I addressed the issue of carpayments for new vs used in a blog entry
"I want to buy what??? Do I need it or do I want it?" and my eyes were opened up to what I would REALLY pay if I financed a new car. Anyhow visit my blog to read this entry i hope it helps. Keep up the good work and keep posting

JMM---I have used CareCredit and had no problems with them personally...My only probs with them was when I couldn't pay after I got myself in a mess with the PDL's.

They will report to all 3 bureaus as well. :)

I joined a credit union with a $100 savings account because I know they can have better rates for used cars. As far as a new car, my dreams of a Jaguar are just dreams, although I think I would look darn good in one. I have my eye on a Plain Jane Honda Civic, around $14,000 new. Just a five speed with no bells or whistles. I would like to save $2000 for a down payment before I buy though. I am happy taking the bus and can patiently wait to get a car. I am 51 y/o and have 8 grandchildren. I should get a mini van! Or may not...........