A medical credit card is a financing option offered to individuals undergoing surgical or non-surgical cosmetic procedures. It is a means by which you can pay for deductibles or out-of-pocket costs not covered by insurance.

This form of financing allows you to more easily cover the costs of the cosmetic treatments you’ve sought to enhance your physical appearance. Medical credit cards have reasonable interest rates and terms, and attractive promotions.

As a medical credit card is limited to medical treatments, it offers you more flexibility and control if you tend to overspend with your credit cards. And while paying with a low-interest credit card or a balance transfer card with 0% APR is tempting, a large purchase such as CoolSculpting Elite or dermal fillers can reduce your credit utilization rate, which could initially adversely affect your credit score.