CockercombeTuff OP t1_j1a6j1b wrote on December 22, 2022 at 8:16 PM

Reply to comment by Brahette in Anyone have experience with Banfield Vet (South Philly or Cherry Hill) and their wellness plan? In general, but specifically for a puppy. by CockercombeTuff

I have CareCredit, but I'd rather just use it for emergencies at this point. I signed up for it earlier this year--for dental work--and was given a meh limit, put $400 on it, started paying it back, and then without warning the limit was dropped to $400. I called to find out why and the customer service representative was not helpful at all. About the only thing I can think of is that we took out a car loan in August which likely dinged our credit, but that just makes me wary of CareCredit as a solution if it's that volatile.

I paid it off soon after and that hasn't increased our limit in the last few months, so I'd rather just treat it as a backup for emergencies, not as a go to for regular shots and such.

Brahette t1_j1a7unq wrote on December 22, 2022 at 8:25 PM

Oh weird, I've had it for over 10 years (originally got it when my dog needed end of life care to the tune of about $3k) and I've never had any issues with it at all. I've taken out two car loans and two mortgages during that timeframe and have never had a limit drop or anything. I don't think I've ever even had to call their customer service for issues. No idea why that happened to you.

I only use it for routine care because I have 3 dogs, so annuals + stool tests + hw bloodwork + shots x 3 = $1000 usually. In your case, I really would use it as a backup for medical emergencies if you don't go with an insurance plan. I personally cannot justify the cost of insurance x 3 for something I'd basically never use. Yes I know, in a catastrophic incident it would be worth it. But that's why I'm happy with Care Credit - no monthly fees and I have 2 years to spread out the payments in the rare times I would need it.