Congratulations on qualifying for more than one dental financing plan! Now it’s time to look closely at each one and see what you think. Specifically, you want to look at the resources that help you manage your plan responsibly. It’s also important to understand what you can expect in terms of prompt support when and as you need it. Here are six aspects of managing your account that must be explored before you agree to anything.
Support With Questions and Concerns
Client support matters in any business relationship. That includes the one you will have with your dental lending provider. Before accepting an offer, you want to know what options you have for contacting a customer support team if you have any questions or concerns about your Care Credit account. Do you have the option of communicating by email as well as phone? What’s the usual turnaround time for such a communication? If you call, will you have to deal with an auto-attendant that requires a lot of information before you get to a real person?
It’s not just getting to someone who can help if you have an issue with the account or a question about the terms and conditions governing the account. If you should receive one or more Care Credit promotions, how would accepting one of them affect your current account? Getting an answer in a timely manner is imperative. If receiving help is difficult, your best bet is to find a different way to finance your dental procedures.
An Online Interface That’s Easy to Use
Most lenders will provide some sort of online interface that their clients can use. Before signing up for a Care Credit account, find out all you can about that interface. What sort of information can you view while logged into the account? How often does the account detail update? Will you still need to call in order to access certain information or see more details about any Care Credit promotions that are currently being offered? The answers to those questions will help you decide if the interface is a good one or if it will be no more than slightly helpful.
Exploring the Ways to Remit Payments
You want to make timely payments on the account balance. It helps if you know more about how you can remit those payments. There’s usually the option of sending a payment by mail. You should also be able to remit a payment by making a phone call or submitting one via your account interface.
Is it easy to find the Care Credit payment phone number? When you do call the Care Credit payment number, how many steps does it take to remit the payment? Will the system generate a confirmation number that you can write down, or at least email the confirmation to the address associated with your account? The goal is to ensure that whether you pay online or choose to use the Care Credit pay by phone option, you can know the payment is noted and will be credited in a timely manner.
Tracking the Receipt and Posting of Those Payments
Understanding the options for paying online or using the Care Credit pay by phone is great, but delve a little deeper into how long it will be before your submitted payment is actually applied to the account balance. One thing that many people don’t understand is that the application may not be immediate. This means that even though you received a confirmation after calling the Care Credit payment phone number, it could be some time until you see the payment reflected in the account balance.
That’s because the use of the Care Credit payment number is only the first step. The payment is requested from your banking institution, and the receipt is recorded. After that, there’s the matter of actually posting the received payment to your account and ultimately the balance itself. In some cases, it may take several business days.
Monitoring Account Balances
Understanding how payments are processed and posted makes it easier to manage your Care Credit account balance. Specifically, it allows you to remit payments enough in advance of the due date to make sure they are posted by that date. Doing so minimizes the chances of being charged some type of late fee.
Don’t consider the task complete after you call the Care Credit payment number and remit a payment. Monitor your account interface to see when it posts and is applied to the balance. If you find that payments made using the Care Credit payment phone number tend to take a longer time to be credited, that tells you to use a different medical loan lender the next time there’s the need to finance a procedure.
Compiling an Account History
How easy would it be to log into your Care Credit account and generate a report of payment and other activities? That information would come in handy when it’s time to prepare your annual tax forms. If the interface will allow you to easily download the information into a spreadsheet or maybe directly into the tax software you use, that would make the process a lot easier.
You want the ability to know which times you used the Care Credit pay by phone feature, when you mailed in a payment, and when those payments posted. If there is no option for generating such a report, that may be a sign you should look at a different lender.
There’s more than one lender who will help you secure the funding needed for that necessary dental procedure. Learn all you can about the Care Credit payment number as well as customer support, the client interface, and the procedures used to receive and post payments. The more you know, the easier it will be to decide if this is the right choice for you, or if trying a service like Ajeva would be a better solution.