![]() Should You Apply For A Dental Credit Card? It's a good idea to shop around for the best deal for credit cards for dental work or a personal loan. That means you can schedule your dental work on the same day without waiting for a card in the mail or time to set aside extra cash. Usually, you’ll get instant approval right there on the spot. Some types of dental credit cards run credit checks while others don’t. You simply fill out the application to the 3rd party dental financing company, and CareCredit or whichever platform it’s through will run your information through their system. If your dentist accepts credit cards for dental work, they’ll usually have a brochure in their office or an application form on their website. Related: 6 Best Dental Credit Cards for Dental Work How to Get a Dental Credit Card Or it’s gifting yourself a smile makeover because you can’t stand hiding your teeth any longer. Maybe it’s something like an emergency root canal and crown that can’t wait. In most scenarios, people get these credit cards for dental work that is elective or exceeds their insurance benefits. But in the sense of using credit cards, nothing is off limits they can be used on any dental procedure, unlike your dental insurance policy. ![]() PRO TIP: If you have a good credit score, check out credit cards that offer a true 0% APR where your card is interest-free for up to 24 months without interest secretly building up! What Can I Use a Dental Credit Card For?Ĭredit cards cover medical, optical, and other things too. If know you're able to pay off the balance in full within that period, a dental or medical credit card might be a good choice for your situation. That means you will be responsible for all the interest from the start, not just the interest on the remaining balance. Medical credit card companies offer deferred interest which means the interest isn't waived, it's just waiting for you if you don't pay the balance in full before the promotional period ends. With a good deal, there is always a catch. It’s not just a credit card for dental work some people will even use their CareCredit account for other medical expenses when their health insurance doesn’t cover them.Īs long as you pay off the card’s balance in full within the promotional period, you won't have to pay any interest. People gravitate toward credit cards like CareCredit. Whether it’s medically necessary like a root canal or totally elective like dental veneers. These 3rd party financing platforms can be used to pay for any dental procedure. But there are actually some affordable, credit cards out there to choose from. Using your credit cards for dental work can get really tricky if you go over your limit, or expensive with interest rates being applied. But if you are tight on cash for dental procedures – getting a dental credit card can make your financial situation worse! Are Dental Credit Cards A Good Idea? ![]() If you absolutely need to have a tooth repaired or something major done to your smile, should you pay for it with your credit cards? What if it’s “just” something you want, like dental veneers or Invisalign? For dental work, you might actually have a few better dental financing options than whipping out your emergency credit card: low or 0% interest credit cards for dental work. ![]()
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