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

Question

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.

Richard G. Reish, MD, FACS · Answer

Hello and thank you for your question. It's a good idea to apply for CareCredit early so you can see if you qualify.
Best wishes and good luck.
Richard G. Reish, M.D.
Harvard-trained plastic surgeon

Ozge Ergun, MD · Answer

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Landon Pryor, MD, FACS · Answer

Thank you for your question.  There is no right or wrong time to apply for Care Credit.  You are correct, applying after your consultation gives you a better idea of the amount that you should seek financing for. However, with Care Credit you are not always approved for the amount that you enter.  In some cases, patients are approved for more than they requested and others are approved for less.  You may always visit your Care Credit account online to request a limit increase.  Another advantage to choosing Care Credit for your financing is that it is a credit card and works just as a credit card.  So, when you are approved, you are not billed or accruing any interest until you actually transact with the card.

Janet Turkle, MD · Answer

Hello,It is a good idea to apply early to see if you are approved and how much you are approved for. Check with your surgeon to see which companies they work with. They may offer more than one. If your surgery is less, you will only borrow what is needed. Good luck.

Urmen Desai, MD, MPH, FACS · Answer

The best time is either prior to your consultation, or while you are in the office of your plastic surgeon. I recommend an in-office examination as well as a detailed discussion with a surgeon who you are comfortable with and who is a board-certified Plastic Surgeon certified by the American Board of Plastic Surgery.

Best wishes!

Dr. DesaiHarvard Educated, Beverly Hills & Miami Beach Trained, Double-Board Certified Plastic Surgeon

Best wishes!

Dr. DesaiHarvard Educated, Beverly Hills & Miami Beach Trained, Double-Board Certified Plastic Surgeon

Alfred Sofer, MD, FACS · Answer

Thank you for your question. CareCredit can be applied for at any time. You can also speak with the offices of the board certified plastic surgeons you are consulting with to see what other companies they work with. Best of luck with your journey.

Larry Weinstein, MD · Answer

On my website there is a section where you can apply for care credit. It does not hurt to see what you qualify for before consultation. see a board certified ASAPS plastic surgeon. Make sure you try on implants and get a 3D vectra analysis.  Good luck

Francisco Canales, MD · Answer

You can apply for credit at any time. Being approved does not mean you need to commit to any surgery, but it does give you peace of mind when you make the decision of which surgeon and which surgeries you want to have .  Best wishes.

Carlos Burnett, MD, FACS · Answer

Hello and thanks for your question. You may apply for CareCredit at anytime and it behaves somewhat as a credit card. You use what you need and pay back with interest.  Good luckDrBurnett#tealself100

Douglas Taranow, DO, FACOS · Answer

Thanks for your question.  Hard to give you an exact answer.  You may apply for the amount you think you are willing to spend on your procedure.  You can always ask for more.  If you do not qualify, then going for consultations is a moot point.  Care credit requires you to apply at least 3 days prior to your proposed procedure.  You can just go for the consultations to get different opinions and to find the 'right' doctor, then apply and see where it goes.Best of luck with your search.Dr. T