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!