What happens when a pet you dearly love needs emergency surgery or is diagnosed with a chronic disease? The very thought may break your heart, and the additional stress of medical bills can make the experience even worse. That’s why Berclair Animal Hospital P.C. accepts Care Credit for Memphis area customers. Care Credit is a medical credit card that is only used for out-of-pocket healthcare expenses. It’s offered to consumers in need of medical care at doctor’s offices as well as veterinarian offices.
How Care Credit Works
Care Credit works much like any other credit card. You pay for eligible medical bills using the card and then make at least your minimum monthly payments. As you pay the card off from one charge, you can use the available balance to cover additional medical expenses.
Getting Accepted for Care Credit
You can apply for Care Credit at Berclair Animal Hospital P.C. in Memphis. You can also apply online to receive an acceptance or denial within seconds. Calling Care Credit at (800) 677-0718 to apply with a live representative is another option.
Care Credit does check your credit score when you apply. They look at your last two years of credit history to make their decision. If you have a credit score of at least 620 you have the best chances of acceptance, but that doesn’t mean you won’t get accepted with a lower score. You never know if you don’t apply.
Getting the Most from Care Credit at the Vet
- Pay your balance off as quickly as possible. That frees up your balance to cover additional veterinary charges.
- If you can afford to pay for some vet services out of pocket, do it. Use Care Credit for those big expenses that are beyond your budget.
- Try to keep your balance on the card as low as possible. You never know when an emergency will strike or an unexpected vet bill will take you by surprise. You can’t use the card if the credit line is maxed out.
- Ask for credit line increases if needed. Once you establish a relationship with Care Credit, they may increase your credit line to help you cover rising veterinarian bills. If you make your payments on time every month, they’re more likely to consider the increase.
Our Veterinarian in Memphis Offers Care Credit
If your pet needs veterinary care that you can’t afford to pay out of pocket, contact Berclair Animal Hospital P.C. at (901) 685-8204. We’re proud to provide Memphis residents with reliable veterinary services, and can help you apply for Care Credit.