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Thank you, each of you, for sharing your support and information/experience. I am very grateful.
liz, yes, I know about CareCredit. It is essentially applying for a credit card, just with low (or no?) interest when it has to be repaid. I don't have "bad" credit, but I have "zero" credit because I've never had a credit card or anything to establish a credit rating. So CareCredit turns me down.
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