Cheapest Way to Pay For Plastic Surgery

TopJames

A medical procedure that I require that is not covered by the NHS will cost me £3400 to be done in a private hospital. What is going to be the cheapest way of me paying for this. I could take out a loan but wonder if a 0% credit card would be a better option. I've never had a credit card before but thinking ahead I will need a pre-agreed limit of £3400 to cover the costs. How do I arrange this? Are there any other things I should know about. Making the monthly payment is not an issue. Thanks, James

PRAISETHESUN

You'd have to ask what payment methods they accept, but if they take credit card the cheapest way would be to use a 0% purchases card. If not, then you will need a money transfer card.

If you've never held a credit card (or any other credit) before then you are quite unlikely to get a £3400 limit. You could try talking to your bank, but in my experience you are rarely guaranteed a limit until you bite the bullet and submit an application - the interest rate, credit limit and the duration of any promotional period are all decided when the lender assess your application.

https://www.moneysavingexpert.com/credit-cards/best-0-credit-cards/
https://www.moneysavingexpert.com/credit-cards/money-transfers/
https://www.moneysavingexpert.com/eligibility/credit-cards/

step1974

For me, I would put this on a points card. Then super balance transfer it to a zero per cent one. This way you get points and then get about 2 years to pay it up. As an aside, I hope you are not getting your teeth done like Rylan Clarke. I am sick to the back "teeth" of him. He has now got a job on BBC Radio 2. Good luck with surgery whatever you chose.

jonesMUFCforever

step1974 wrote: »

For me, I would put this on a points card. Then super balance transfer it to a zero per cent one. This way you get points and then get about 2 years to pay it up. As an aside, I hope you are not getting your teeth done like Rylan Clarke. I am sick to the back "teeth" of him. He has now got a job on BBC Radio 2. Good luck with surgery whatever you chose.

You have to agree though Rylan has the face for radio! :rotfl:

etienneg

Is this surgery really something you need to have done? As it's not available on the NHS, it sounds like something merely cosmetic. To me, spending £3,400 on something that's not essential when you appear not to have any savings is not advisable.

Have you considered what would happen if something went wrong in your life, such as losing your job unexpectedly, or getting ill for an extended period? It's all too easy to get into debt that you think you can afford, but being in debt already when something goes wrong is a bad position to be in.

Don't forget that all surgery carries some risk. If you are one of the unfortunate few for whom something goes wrong, it may end up costing much more than £3,400.

You say making a monthly payment is not an issue. So, why haven't you saved up over the past months? Or why not save up now and have the surgery when you can afford it without going into debt?

It's your choice, of course, but think about it carefully before embarking on what could become a nightmare.

Craig1981

before making any decisions on apply for cards etc, make sure the procedure can be paid with a credit card - some private hospitals wont accept credit card payments

AnotherJoe

The cheapest way is to save up for it in a high interest account and pay in cash.