Maybe I’m not seeing the full picture, but Carecredit specifically has some awful interest rates, compared to other lenders, unless you can pay it back in full by the time the promotional “6 months no interest” period is done. I thought it was common knowledge that you don’t use CC unless your credit is fucked and you can’t get any other financing for a necessary medical thing. OR you have the money upfront anyway and are using it to try and boost your score. Looks like Carecredit does 26-32% interest if not paid off in the “promotional period”. Thats…Not good. Someone with average credit should be able to get 15-23% APR with a personal loan, or a similar deal but with cash back offers and a slightly lower interest rate with bad credit on a traditional CC. I don’t know this persons history, but I would also avoid Care Credit unless it was my only option.