Care Credit Financing Disclosure - LASIK Financing Terms and Conditions
You will receive the most extensive payment plans available for LASIK. The application process is simple, fast, and confidential. You can be qualified within minutes of your phone call, and there are no application fees or forms for you to fill out. The most popular plans are:
- NEW! NO Payments and NO Interest for 1 YEAR
- 100% Financing
- An Excellent Option for Users of FSAs, HSAs, and Tax Returns
Minimum monthly payments required
*Applies to purchases of $300 or more made on the CareCredit credit card account. Under the promotion, no finance charges will be assessed on the promotional purchase as long as: (1) pay the promo purchase amount in full within 3, 6, 12 or 18 months (the “promo period”) and (2) pay, when due, the minimum monthly payment on your account, which includes a required minimum monthly payment on the promo purchase. If you fail to satisfy either of the above conditions or account balance exceeds credit limit, all special promo terms may be terminated and finance charges may be assessed on promo purchase amount from date of purchase. 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 866-893-7864. All plans are not available in all offices.
**Applies to purchases of $1,000 or more made on a CareCredit credit card account. Fixed minimum monthly payments equal to 4.7027% for 24 months, 3.3167% for 36 months, 2.6285% for 48 months, or 2.2194% for 60 months, of the promotional purchase amount will be required each month until the promotional purchase is paid in full, in addition to any other required minimum payment. Finance charges will be applied to promo balance at the fixed daily periodic rate of .03260% (ANNUAL PERCENTAGE RATE 11.90%) until the promo balance is paid in full. If minimum monthly payments on your account are not paid when due or account balance exceeds credit limit, all special promo terms may be terminated.
Optional debt cancellation charges on promo purchase are not deferred and are not subject to the promo terms. Standard card agreement terms apply to non-promo purchases and existing accounts. As of October 1, 2006 variable APR is 22.98% and variable delinquency APR of 28.99% applies if the minimum payment not made by payment due date, payment not honored or credit line exceeded. Minimum finance charge is $1.50. Subject to credit approval by GE Money Bank.
† The required minimum monthly payment is the approximate amount required to be paid each month for the corresponding initial purchase (includes initial amount and applicable taxes) and assumes that no additional purchases or charges (i.e. late fee, credit insurance, etc.) are incurred nor the interest rate changes. Monthly payment amounts are principal and interest charges. The payment schedule assumes only the required minimum payments are made each month when due. The customer is permitted to pay more than the minimum amount due each month, and by doing so, the balance will be more quickly repaid and less finance charges will be incurred. For full description of the terms governing this account, refer to the CareCredit Credit Card Agreement with GE Money Bank.
