CareCredit is a very useful card when you’re in a pinch and someone needs medical treatment. They have special financing offers of 6 or 12 months no interest if you pay them back in that time frame. Anything left on the balance after that is subject to about a 24% APR.

While I was working with my last company I started paying the balance down $200 every two weeks. Then I knew I was quitting my job. I tallied up how much money was left that had a promotional interest rate and how much of the balance I was paying 24% on. I left the 0 APR charges on the CareCredit account and transferred the remaining balance to a new Discover card and will be paying that down with 0% APR over the next 12 months.

I don’t ever want to be in this hole again. If I get a promo rate, I need to buckle down and pay it off and not have any carry over.

It started when I got Amalie and had to have $700 in dental work done for her.

Eventually the card got up to over $3000.

The vet visit for my cat Tommy yesterday…
I paid cash.