6 Things You Should Know When Using A Dental Credit Card

Credit cards like mastercard or visaDental credit cards are a great option for patients with no dental insurance. These cards work just like any other credit card and make it easy for you to get the treatment you need without spending all your money. However, there are some things you should know before using them – interest rates and payment plans, to name a few. 


If you want to find local emergency dentists that offer dental credit card payments, 247dental.org can help you with that. In the meantime, let’s talk about a few things to consider before getting one!


How Do Dental Credit Cards Work?

A dental credit card is a way for patients to spread out the cost of dental work over several months. This allows people with less available cash reserves to access quality dental care without excessive up-front costs, risks, or delays. With it, you can finance dental expenses that aren’t covered by your insurance. 


One great aspect of a dental credit card is that it can be used for any dental service or procedure – depending on the terms of your provider. For example, you can use it to pay for dental cleanings, root canal treatments, crowns, bridges, or inlays. Most dental clinics accept these forms of payment, although they may not be available to some. So, be sure to check before scheduling an appointment.


Furthermore, dental credit cards have various plans, coverages, and benefits. Some offer a guaranteed fixed rate, a long-term low rate, and a limited-time 0% interest fee. Many companies also provide the option of paying a fixed amount every month for a period that is usually set for 6 to 36 months. If you’re applying for ongoing treatment, a long-term low rate offer would be a good choice. However, if you’re going for an upfront dental work that will allow you to pay back in installments, a 0% interest promotional period card may be more suitable. 


Searching for the right dental credit card can be a little overwhelming. Every option has its pros and cons, so you should assess your needs before you get one. 


What You Should Know!

There are quite a few considerations to know when using dental credit cards. Before going through the application process, it’s also best to first confirm with your dentist if they do accept dental credit cards. 


Here are some other key points to remember:


Credit Check Requirement

One of the main requirements of a dental credit card is a credit check. It takes a few minutes to review your credit history so you should promptly know if you’re eligible for one. Just like any regular credit card, having bad credit will definitely affect your chances of being approved. A couple of late payments on bills will not disqualify you from getting a credit card, but it’s a different story if your poor credit score stems from missed mortgage or loan payments. This will put you in a pickle! 


Dental credit cards are only available for 18+ adults with a good credit score. Although there are dental financing companies that offer specialized loans for people with poor credits, it’s usually more expensive.


The Terms And Conditions

Before getting a dental credit card, make sure you know the terms and conditions. This will ensure that you are fully aware of what you are getting yourself into and what you need to do to use the card. 

Pay attention to the interest rate or the APR because this tends to be higher than a regular credit card. Look into the details of deferred interest promotion, the time frame to pay off your balance, and any additional fees attached to the credit. Ultimately, be sure to understand the total amount you’ll need to repay so you won’t be surprised by any financial burdens. 


The Interest Rates

Interest rates are a big deciding factor to which dental credit cards you will opt for. The option with the lowest dental care financing rates would be favorable if you want to pay your balance in full from time to time or plan on doing so in the future. Otherwise, there is no point in going with a dental care financing company if they have a super high annual percentage rate (APR). Lower interest rates also prove beneficial if you currently don’t have enough income or are looking for affordable dental surgery services but still want the best possible outcome. There are a lot of card companies that offer a range of rates like Care Credit and Icare Financial


The Monthly Minimum Payment Amount

You should refer to the dental credit card statements given by the provider to know your minimum monthly payment. After all, you wouldn’t want your dental care to go unfinished because you can’t afford to pay in one lump sum, right? Before signing up for a dental credit card, make sure you have a good idea of how much you will need to spend each month. 


The Dental Care Cost In Your Area

We all know dental care can be expensive, and dental credit cards are a great way to work around this problem. But before getting one, make sure you know the dental care costs in your area. This will save you from surprise fees and set a limit on what dental procedures you may need to pay for out of pocket. 


Final Thoughts

There are plenty of options for getting finances for your dental work. But opting for a dental credit can definitely help you land on a better treatment plan. This allows you to pay monthly for veneers, braces, implants, and other expensive procedures. Although dental credits do offer some perks, you should also know that their interest rates tend to be higher than regular credit cards. So, it’s really important to understand what you’re signing up for. Don’t hesitate to contact the credit card provider to clarify any confusion. They should be able to answer all your questions.