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Credit Card Applications » Questions » User Questions » Excellent/Good Credit » I don’t want a credit card as I have several. My dentist said CreditCare would give ...

I don’t want a credit card as I have several. My dentist said CreditCare would give me interest free up to six months to pay this bill. I am having root canal done today and I have Encore Dental Insurance but the dentist will not accept it and referred me to CreditCare.

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Leo Zhu

CareCredit is a healthcare credit card that can only be used for medical needs at certain doctors or medical centers. They offer interest free promotional periods starting at six months. But once the promotional period ends, you will be charged interest and if the balance is not paid in full within this period, the interest will be charged to your account from the date of service.
If your dentist accepts other credit cards, consider applying for a general credit card like the Discover it® credit card. This card can be used everywhere Discover is accepted. The card has a 12-month introductory period on purchases and balance transfers, plus you will be able to earn cash back on all eligible purchases. Also, the interest rate for this card is lower in comparison with CareCredit rates.

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