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When's the best time to apply for Care Credit?

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AJC91
I didn't want to rush too fast since I'm starting consultation in October with three doctors, but I know my surgery in total would be estimated price of 11,000-12,000. I wanted to see if I was approved for anything but when if my surgery is less than that? For example: I want a BA and BBL but when if I just stick to one surgery for whatever reason? I wanted the doctor's opinion first from the consultation.

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