Question:
question about plastic surgery credit cards

I read an earlier post that listed some credit card companies that have credit cards specifically for plastic surgery. Has anyone gotten approved for one of these cards that has "slightly shaky" credit? How good does your credit have to be to get a PS line of credit?    — j S. (posted on January 12, 2005)

January 12, 2005
I know www.capitolone.com offers medical loans or cards, and they are one of the largest credit card companies in the usa, but you have to go to a doctor that is on their list of particapating doctors. All of this info can be found on their website. My mother got one for her dental work, and her dentist is the one who set her up with capitolone. I dont know about the other cards or companies. You might call your ps and see who they partipate with for med loans. good luck. Rosemary
   — wizz40

January 12, 2005
I just was investigating patient financing for my upcoming plastic surgery. I looked at Advanced Patient Financing (who advertises on this site) and with Patient Financing Services (http://www.p-f-s.com). Their rates - at least for my credit history - went from 13.9% at 1-year to 19.9% at 4-years. I then decided to apply at my credit union since my wife and I were just approved for an unrelated loan the week before. And, lo and behold, they approved us for the loan and my plastic surgery is now scheduled for February 15. I don't know how much you are looking to finance, but take the time to apply at your bank or credit union or even investigate getting a 2nd mortgage or home equity loan if you own your home. All of these options would offer better rates than a credit card, which is typically at 24% APR...JR
   — John Rushton

January 14, 2005
When I had my face lift 2 yr,s ago the Dr,s office had credit cards brochure at the desk. I checked out the interest rate and they were outrageous. My doctor also accepted major charge cards which were at the cheaper interest rate. Charging this to one of your major cards that transferring it to a lower interest payoff is one way to go. John also has very good advice with checking out your options at your bank or credit union.
   — charanewme

January 15, 2005
care credit specializes in plastic surgery and other surgeries that insurance companies wont normally pay for. I know their interest rate is on the high side though. good luck...jeannie
   — harleigh2002