I own the most expensive rat EVAR (also pet CC question)

[Ksandra]

So this morning my fiancee woke me up before he left for work to tell me he saw a bubble on one of our pet rats, Nene. I still think it's just an abscess, but I do know rats get tumors easily, so took her to the vet just incase. The vet said in one side it seemed softer than a tumor, but a part seemed harder than an abscess, so after thinking and talking it over, my fiancee and I decided to have it removed...for 360$ -.-; (normally it would have been 520$, but the vet took off the pet care bill, and the diagnosis bill). It's fine, I expected it after having so many cats, but srly sometimes I wish she'd know just what I am doing for her XD Also, she totally ran up me at the vet and pooped in my hair -.-;;;;;;

Anyways, more importantly, when I was in the waiting room I started to read one of those cat magazines. There was an article about Pet CC that offer no interest. Basically, you can only use the card for vet bills, and depending on the price you can have a certain period of time to pay it off without interest. Linkie:

Why Use CareCredit® Veterinary Financing? (Payment Plans for Pet Vaccinations, Pet Surgery, Tests & Affordable Veterinary Medicine Procedures)

Just wondering, this seems like a too good to be true situation. And I'm trying to find the loopholes (aside from high interest after the no interest months). Also, they keep calling it the "promo" period, which suggests to me that maybe this only works the first time you use it?

Someone help me figure out whether this would be a good thing to get or not considering even after my rats pass on, I will always have pets.

[Omnipotent]

You spent.. 360 dollars, to have a tumor....removed on a rat?






































































AFK

[Mafai]

It looks to me like you have to request to use it, and agree to terms before each transaction (the promotional period they talk about is the time you agree to for that purchase). If you do not mess up at all during the payment of that, you will not be charged any interest. So the promo purchase is when you have it organized beforehand.

*No Interest If Paid Within Promotional Period

Not all providers offer all promotional plans, ask your provider for details. Valid on purchases made on CareCredit account. CareCredit No Interest promotion is subject to credit approval and availability at provider. A $300 minimum purchase amount is required for plans longer than 3 months. On promo purchase, monthly payments required, but no finance charges will be assessed if (1) promo purchase paid in full in 3, 6, 12, 18 or 24 months, (2) any minimum monthly payments on account paid when due, and (3) account balance does not exceed credit limit. Otherwise, promo may be terminated and finance charges assessed from purchase date. On promotions requiring a minimum payment, payments over the minimum will usually be applied to those promo balances before non-promo and other balances. If you have a non-promo balance, this may reduce the benefit from the promo. If you want to change this allocation, please call Customer Service. Standard terms apply to non-promo purchases, optional charges and existing accounts. As of 2/1/09, variable APR 22.99% and on all accounts in default, 29.99%. Minimum Finance Charge $2.00. Subject to credit approval by GE Money Bank.

[Kael]

Pets are important w ok?

[Jefe]

Read the first page and this starting @ page 3 http://www.carecredit.com/pdf/CC_App.pdf You'd want to avoid, unless you don't mind the monthly fees.

[EckoGecko]

i'll laugh if the rat dies anyways.

but you're a nice person

[Amarok]

You should have gone to the pet store and gotten a similar looking rat for $2.

[zoobernut]

Ignoring all the retarded cliche posts that don't contribute to the thread.


I am sorry to hear about your rat Ksandra hopefully it gets better. I had a pet rat when I was a kid that had a tumor and it was really sad.

As for the credit card I will ask my cousin about it apparently she uses it and really likes how it works. From what I remember it is really nice for those large emergency vet bills but not something you would want to use for anything other than an emergency.

[Ksandra]

lol, I expected a lot of "wtf rat?" posts, but to me when you take in a pet, any pet, it's health and well-being are your responsibility. I've had cats who cost just as much for abscesses (one cat that a grew up with I swear got one once a year). To me a rat is no different. Just because it's small and cheap to get, doesn't mean you should just let it suffer, or have it put to sleep anytime they get sick. Hell, you can get kittens for free, so price shouldn't be a reason.

It's ok though, I know most people who don't have rats, don't understand how good/cute rats are.

anyways, ty @ mafai and meteora, that helps. I think when I go to pick her up I'll see if they have an app there for it (if not I'll do it online). It seems like a good thing to have just incase something like this happens again and I don't want to pay it all at once.

edit: @ zoober TY! let me know what info you get.

[Indalecia]

There are no rats at Starbucks!

[MrW]

I would've bought a chinchilla.

[FNH]

I've had a few rats that were free since my mom worked at a vet office. One was a white rat who had 2 tumors(at different times) the first was free removal, but the second meant she would keep getting them so they put her down for free too. So, just an fyi usually if they have one they'll get more.

[GeneJackit]

Im surprised to learn that rats are prone to getting tumors...i guess you learn something new everyday

I know my brother has a similar kinda CC for his dental insurance...not exactly sure how it works, but i know it saves paying a huge chunk of money up front...I would just hope that if you have to present all claims prior to actually getting the service done that they are pretty generous with their terms....would be an absolute WASTE if you needed some kinda treatment for your pet and they tell you right off that it isnt covered

i would say if you are gonna have a lot of pets, and gonna be going to the vet a lot it may be something to at least look into and seriously consider

[Ksandra]

cute rat vids for unbelivers

YouTube - Rat loves cat!

YouTube - Rat Staring Contest

YouTube - Cute rat getting interrupted



also: just called vet she's ok gonna pick her up now! :D (think I'ma take her to work cause she has to wear that cone head thing and they like to chew them off)

[Colenzo]

orz

[Linliel]

Aww glad she's okay! Pets really are important, doesn't matter if it's a fish or a rat or a snake or a cat ^^
When my snake burned himself on his light after breaking it, no way I wouldn't take him to the vet! (he's okay now too.) So yeah! Glad to see a good responsible pet owner ^^

[archibaldcrane]

This is why I can't do pets. I've spent about $50 out of pocket on health-related issues for myself (including OTC meds) in the past, say, 8 years.

There's -no- fucking way I could justify getting surgery on my pet. $360 rat bill = time for a new rat.

[Quixon]

I'm glad I keep fish. The up front cost is expensive, but I don't have to worry about any vet bills lol.

When I worked for Timberland back in HS they offered Pet Insurance. I always though "wtf??". Back then I had no idea how much some of that shit costs though.

[Mojo]

I'll admit the first video was somewhat cute, but the second video was frightening and the third was just weird.

You should have gone to the pet store and gotten a similar looking rat for $2.

[zoobernut]

This is why I can't do pets. I've spent about $50 out of pocket on health-related issues for myself (including OTC meds) in the past, say, 8 years.

There's -no- fucking way I could justify getting surgery on my pet. $360 rat bill = time for a new rat.

This is definitely the responsible thing. If you are not willing to pay to take care of an animal then you should not have pets. So many people go out and get pets and then are not willing to spend the money for basic maintenance and health care.