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Originally Posted by xxmxaxrxyxx  i got care credit back in 1999 when i had to take my toy poodle in for a csection and spayed..it cost me $900 but i had no interest for 2 years...which was great...i too use this card in case of emergency...since i don't have pet insurance....
recently my sister maltese fracture his leg...she doesn't have great credit but since i haven't used my care credit in say 8 years...i let her use it ... her total cost was $1300 for fix his leg and get him neutered...no interested for 1 year...
i am not sure what the interested rate is...i don't think it matters how good your credit is...care credit is sorta like department store cards...imo |
Care credit is just like a dept credit card. They will charge the 20 something precent if you default on your monthly payment. I think she should have called and seen what's up.
I think what happened there is that for the bills that get the deferred interest they tell you the interest rate is 20 something percent...they want you to pay off that bill before the deferred time is up. But if it's under the $300 then the interest rate is the 11% because there is no deferrement on it and it's just a regular charge.
The care credit is better to me than the insurance. I won't have anyone trying to say something is a pre-exisiting condition and deny my claim.
My friend has had VIP for about four years and paid for the max package. Earlier this year her dog ended up with some sort of blood disorder and they made her jump through hoops to get her stuff all paid up. Then came time for her renewal. On their policy a renewal is treated like a new policy and not a continuation. So when it came time for her renewal they told her he has a pre-exisiting condition (that blood disorder) so they won't be renewing. I found that to be sneaky as hell but they did it. That was another thing that turned me off from them.