Hello, I have found myself needing about $5,000 in dental work done. I might do a portion of it in Costa Rica but the extractions will cost about $1,800 and I will be doing those in the US.
My question is, if I apply for CareCredit, how does it affect my credit score. I would guess that it would hurt my utilization ratio right?
But, what if I applied for it and then immediately paid it all off. Would that HELP my utilization ratio? And, wouldn't it continue to do so in the future as long as the account is open if that is the case?
Is it treated the same as a credit card on my credit report?
Thanks for your help!