I really suggest that anyone looking into CareCredit think it through. If you qualify for the deferred interest plans, it's not bad, but the rates are sky-high when they kick in, and you might qualify for much better rates from your own, or another traditional, bank. If you end up with a really insane bill and have decent enough credit, it might be worth using it for the period of deferred interest and transferring the remaining balance to no/low interest balance transfer card.
I've used CareCredit, and I might again, but only with the deferred interest plans. No interest is still better than the low rates I get from my own credit unions/banks, but paying 25+% creeps me out, so CareCredit would be a last resort for something I couldn't pay off before interest kicked in. This forum isn't about financial planning, but I highly recommend having an emergency fund in place for things like vet bills and other things that matter to you. It's much easier to cut out frivolous expenses than to scramble to come up with huge sums at a moment's notice.
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