What you need to know about Care Credit from your Plymouth, MN dentist

Life Smiles, a family friendly dentistry in Plymouth, MN, is proud to offer Care Credit!  Now you can apply for credit to help maintain your dental health.  Here are some FAQ's.

What is CareCredit?

CareCredit is a healthcare credit card with a credit line for treatments and procedures for your entire family, including your pets. It is a credit card designed for your health and beauty needs. With many of our promotional offers, you can avoid paying interest by making your minimum monthly payments and paying the full amount due by the end of the promotional period. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments are required. Not all practices offer all CareCredit financing options, so check with your provider. For complete details, please read the Credit Card Account Agreement within the application.

What kind of payment options does CareCredit offer?

CareCredit offers a full range of payment options. We offer 6, 12, 18, and 24 month plans where you can avoid paying interest if you make your minimum monthly payments and pay the full amount due by the end of the promotional period. Interest will be charged to your account from the purchase date if the promotional balance, including optional charges, is not paid in full within 6, 12, 18 or 24 months.. Minimum monthly payments are required.

If I don't pay the full amount by the end of the term, will I only have to pay interest on the remaining balance?

No, finance charges (interest) are calculated on this purchase in the same way as a standard purchase (daily periodic rate multiplied by the daily balance). However, these finance charges are deferred (not added to your balance) for the length of the promotional period. Although they are not added during the term, the total amount of the finance charges will continue to increase until the balance is paid in full. If you pay the total balance (amount of the purchase) on or before the final due date of the promotional period, provided by your CareCredit provider, you will not be required to pay any of the finance charges. These accrued finance charges are waived.

If you do not pay the total balance (amount of the purchase) on or before the final due date of the promotional period, all finance charges that have been deferred (calculated, but not added) will be added to your account balance and you will be required to pay all of the finance charges from the original purchase date and purchase amount.

How can I apply for CareCredit?

You can apply online or download and print the application and take it to your healthcare provider. The application is quick and easy, and after it's submitted, you'll instantly learn if you're approved.

You can find more information online at http://www.carecredit.com/faqs.html or contact our office at Life Smiles and we would be happy to help you as well.