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<style scoped>.tdi_19{vertical-align:baseline}.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:block}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:100%;height:100%}}@media (max-width:767px){.tdi_19{width:10%!important;text-align:left!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_menu tdi_20 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_20" >
<style>@media (max-width:767px){.tdi_20{margin-left:-20px!important}}</style>
<style>.tdi_20{display:inline-block}.tdi_20 .tdb-mobile-menu-button i{font-size:27px;width:54px;height:54px;line-height:54px}.tdi_20 .tdb-mobile-menu-button svg{width:27px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:54px;height:54px}.tdi_20 .tdb-mobile-menu-button{color:#ffffff}.tdi_20 .tdb-mobile-menu-button svg,.tdi_20 .tdb-mobile-menu-button svg *{fill:#ffffff}.tdi_20 .tdb-mobile-menu-button:hover{color:#ededed}.tdi_20 .tdb-mobile-menu-button:hover svg,.tdi_20 .tdb-mobile-menu-button:hover svg *{fill:#ededed}@media (max-width:767px){.tdi_20 .tdb-mobile-menu-button i{font-size:25px;width:50px;height:50px;line-height:50px}.tdi_20 .tdb-mobile-menu-button svg{width:25px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:50px;height:50px}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-mobile-menu-button"><i class="tdb-mobile-menu-icon td-icon-mobile"></i></span></div></div> <!-- ./block --></div></div><div class="vc_column tdi_22  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_22{vertical-align:baseline}.tdi_22>.wpb_wrapper,.tdi_22>.wpb_wrapper>.tdc-elements{display:block}.tdi_22>.wpb_wrapper>.tdc-elements{width:100%}.tdi_22>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_22>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_22{width:80%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_23 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_23" >
<style>.tdi_23 .tdb-logo-a,.tdi_23 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_23 .tdb-logo-svg-wrap{display:block}.tdi_23 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_23 .tdb-logo-img-wrap{display:block}.tdi_23 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_23 .tdb-logo-text-title{display:block;color:#ffffff;font-size:40px!important;letter-spacing:-2px!important;}.tdi_23 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_23 .tdb-logo-icon{top:0px;display:block}.tdi_23 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:1019px) and (max-width:1140px){.tdi_23 .tdb-logo-text-title{font-size:33px!important;}}@media (min-width:768px) and (max-width:1018px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;letter-spacing:-3px!important;}}@media (max-width:767px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_25  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>.tdi_25{vertical-align:baseline}.tdi_25>.wpb_wrapper,.tdi_25>.wpb_wrapper>.tdc-elements{display:block}.tdi_25>.wpb_wrapper>.tdc-elements{width:100%}.tdi_25>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_25>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_25{width:10%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_search tdi_26 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_26" >
<style>.tdi_26{display:inline-block}.tdi_26 .tdb-header-search-button-mob i{font-size:22px;width:55px;height:55px;line-height:55px}.tdi_26 .tdb-header-search-button-mob svg{width:22px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:55px;height:55px;display:flex;justify-content:center}.tdi_26 .tdb-header-search-button-mob{color:#ffffff}.tdi_26 .tdb-header-search-button-mob svg,.tdi_26 .tdb-header-search-button-mob svg *{fill:#ffffff}.tdi_26 .tdb-header-search-button-mob:hover{color:#f2f2f2}@media (max-width:767px){.tdi_26 .tdb-header-search-button-mob i{font-size:20px;width:50px;height:50px;line-height:50px}.tdi_26 .tdb-header-search-button-mob svg{width:20px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:50px;height:50px;display:flex;justify-content:center}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-header-search-button-mob dropdown-toggle" data-toggle="dropdown"><i class="tdb-mobile-search-icon td-icon-search"></i></span></div></div> <!-- ./block --></div></div></div></div></div></div>                    </div>

                
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<style scoped>.tdi_28{min-height:0}.td-header-desktop-wrap{position:relative}</style><div id="tdi_29" class="tdc-row stretch_row_1200 td-stretch-content"><div class="vc_row tdi_30  wpb_row td-pb-row tdc-element-style" >
<style scoped>.tdi_30,.tdi_30 .tdc-columns{min-height:0}.tdi_30,.tdi_30 .tdc-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_30 .tdc-columns{width:100%}.tdi_30:before,.tdi_30:after{display:none}.tdi_30{padding-top:5px!important;padding-bottom:5px!important;position:relative}.tdi_30 .td_block_wrap{text-align:left}</style>
<div class="tdi_29_rand_style td-element-style" ><style>.tdi_29_rand_style{background-color:#005689!important}</style></div><div class="vc_column tdi_32  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_32{vertical-align:baseline}.tdi_32>.wpb_wrapper,.tdi_32>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_32>.wpb_wrapper>.tdc-elements{width:100%}.tdi_32>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_32>.wpb_wrapper{width:100%;height:100%}.tdi_32{width:30%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_date tdi_33 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_33" >
<style>.tdb_header_date{margin-bottom:0;clear:none}.tdb_header_date .tdb-block-inner{display:flex;align-items:baseline}.tdb_header_date .tdb-head-date-txt{font-family:var(--td_default_google_font_1,'Open Sans','Open Sans Regular',sans-serif);font-size:11px;line-height:1;color:#000}.tdi_33{display:inline-block}.tdi_33 .tdb-head-date-txt{color:#ffffff;font-size:15px!important;font-weight:600!important}@media (min-width:1019px) and (max-width:1140px){.tdi_33 .tdb-head-date-txt{font-size:14px!important}}@media (min-width:768px) and (max-width:1018px){.tdi_33 .tdb-head-date-txt{font-size:11px!important}}</style><div class="tdb-block-inner td-fix-index"><div class="tdb-head-date-txt">Wednesday, September 30, 2026</div></div></div> <!-- ./block --></div></div><div class="vc_column tdi_35  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_35{vertical-align:baseline}.tdi_35>.wpb_wrapper,.tdi_35>.wpb_wrapper>.tdc-elements{display:block}.tdi_35>.wpb_wrapper>.tdc-elements{width:100%}.tdi_35>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_35>.wpb_wrapper{width:auto;height:auto}.tdi_35{width:40%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_36 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_36" >
<style>.tdi_36 .tdb-logo-a,.tdi_36 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_36 .tdb-logo-svg-wrap{display:block}.tdi_36 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_36 .tdb-logo-img-wrap{display:block}.tdi_36 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_36 .tdb-logo-text-title{display:block;color:#ffffff;font-size:43px!important;letter-spacing:-2px!important;}.tdi_36 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_36 .tdb-logo-icon{top:0px;display:block}.tdi_36 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:768px) and (max-width:1018px){.tdi_36 .tdb-logo-text-title{font-size:30px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_38  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_38{vertical-align:baseline}.tdi_38>.wpb_wrapper,.tdi_38>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-end;align-items:flex-end}.tdi_38>.wpb_wrapper>.tdc-elements{width:100%}.tdi_38>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_38>.wpb_wrapper{width:100%;height:100%}.tdi_38{width:30%!important}@media(min-width:1141px){.tdi_38{display:inline-block!important}}</style><div class="wpb_wrapper" ><div class="tdm_block td_block_wrap tdm_block_socials tdi_39 tdm-content-horiz-left td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_39" >
<style>.tdi_39{margin-right:10px!important;margin-bottom:10px!important;padding-top:-!important}</style>
<style>.tdm_block.tdm_block_socials{margin-bottom:0}.tdm-social-wrapper{*zoom:1}.tdm-social-wrapper:before,.tdm-social-wrapper:after{display:table;content:'';line-height:0}.tdm-social-wrapper:after{clear:both}.tdm-social-item-wrap{display:inline-block}.tdm-social-item{position:relative;display:inline-block;vertical-align:middle;-webkit-transition:all 0.2s;transition:all 0.2s;text-align:center;-webkit-transform:translateZ(0);transform:translateZ(0)}.tdm-social-item i{font-size:14px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-text{display:none;margin-top:-1px;vertical-align:middle;font-size:13px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-item-wrap:hover i,.tdm-social-item-wrap:hover .tdm-social-text{color:#000}.tdm-social-item-wrap:last-child .tdm-social-text{margin-right:0!important}</style>
<style>.tdi_40 .tdm-social-item i{font-size:13px;vertical-align:middle;line-height:19.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:10.4px}.tdi_40 .tdm-social-item{width:19.5px;height:19.5px;margin:5px 10px 5px 0}.tdi_40 .tdm-social-item-wrap:last-child .tdm-social-item{margin-right:0!important}.tdi_40 .tdm-social-item i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item i{color:#ffffff}.tdi_40 .tdm-social-item-wrap:hover i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item:hover i{color:#4db2ec}.tdi_40 .tdm-social-text{display:none;margin-left:2px;margin-right:18px;color:#ffffff;font-family:Merriweather Sans!important;font-size:12px!important}.tdi_40 .tdm-social-item-wrap:hover .tdm-social-text{color:#4db2ec}@media (min-width:768px) and (max-width:1018px){.tdi_40 .tdm-social-item i{font-size:11px;vertical-align:middle;line-height:16.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:8.8px}.tdi_40 .tdm-social-item{width:16.5px;height:16.5px}.tdi_40 .tdm-social-text{font-size:11px!important}}</style><div class="tdm-social-wrapper tds-social1 tdi_40"><div class="tdm-social-item-wrap"><a href="#"  title="Facebook" class="tdm-social-item"><i class="td-icon-font td-icon-facebook"></i><span style="display: none">Facebook</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Instagram" class="tdm-social-item"><i class="td-icon-font td-icon-instagram"></i><span style="display: none">Instagram</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Linkedin" class="tdm-social-item"><i class="td-icon-font td-icon-linkedin"></i><span style="display: none">Linkedin</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Twitter" class="tdm-social-item"><i class="td-icon-font td-icon-twitter"></i><span style="display: none">Twitter</span></a></div></div></div><div class="td_block_wrap tdb_header_search tdi_41 tdb-header-search-trigger-enabled td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_41" >
<style>.tdi_41{justify-content:flex-end!important;text-align:right!important}</style>
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aria-label="Buscar"><span>Buscar</span></button></div></form><div class="tdb-aj-search"></div></div></div><a href="#" role="button" aria-label="Buscar" class="tdb-head-search-btn dropdown-toggle" data-toggle="dropdown"><i class="tdb-search-icon td-icon-search"></i></a></div></div> <!-- ./block --></div></div></div></div><div id="tdi_42" class="tdc-row stretch_row_1400 td-stretch-content"><div class="vc_row tdi_43  wpb_row td-pb-row tdc-element-style" >
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<div id="block_24a36dd6381c8ad006d21df4cc6b01e1" class="key-takeaways sm:border-l-4 border-(var(--accent)) sm:pl-8 my-8 relative" style="--accent: var(--color-blue-medium)">
    <!-- htmlmin:ignore --></p>
<h2 class="heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4" id="key-takeaways" data-position="0" data-beam-element-viewed="" data-id="br-h2-0-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Key takeaways" data-outcome="">
    <span class="shrink-0">Control de grifo</span><br />
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<p>                                                            La mejor modo de fertilizar facturas médicas es establecer un plan de plazo con el proveedor directamente, pero puede realizar esos pagos con una maleable de crédito.
                                                </li>
<li class="pl-4 relative before:content-('•') before:right-full before:absolute before:text-(var(--accent))">
<p>                                                            La deuda médica tiene protecciones federales cuando se negociación de su noticia de crédito. Pero si se convierte en deuda del consumidor, puede afectar su noticia de crédito y puntaje.</p>
</li>
<li class="pl-4 relative before:content-('•') before:right-full before:absolute before:text-(var(--accent))">
<p>                                                            Si financia una ejecución médica con una maleable de crédito o préstamo, la reincorporación utilización de crédito o los pagos perdidos podrían dañar su puntaje de crédito. Todavía puede acumular cargos por interés.
                                                </li>
</ul>
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<p>Las facturas médicas pueden ser costosas e inesperadas incluso luego del seguro, y muchos estadounidenses no están preparados para pagarlas de su faltriquera. Algunas personas pueden sacar su maleable de crédito para fertilizar una ejecución médica si no tienen el efectivo a mano o simplemente porque quieren obtener recompensas a gastos.</p>
<p>Desafortunadamente, el 15 por ciento de los deudores de tarjetas de crédito dicen que las facturas médicas de emergencia y/o inesperadas son la razón por la que tienen un saldo, según la indagación de deuda de tarjetas de crédito 2025 de Bankrate.</p>
<p>Recientemente, rompí mi tibia y peroné mientras esquié y se sometí a una cirugía de emergencia para una uña intramedular. El procedimiento por sí sola costó la friolera de $ 69,000, y eso no incluyó el costo de mi narcótico, radiografías, permanencia en el hospital o fisioterapia. Por fortuna, tengo un seguro de vigor, por lo que el incidente rápidamente alcanzó el inicio de mi deducible y de faltriquera mayor. Aún así, estoy mirando varios miles de dólares en facturas médicas.</p>
<p>Mientras estoy creando mi propia logística de reembolso, exploremos cuando pagamos las facturas médicas con una maleable de crédito es una opción aseado, y cuando no lo es. Todavía hablé con un médico y hábil en facturación médica sobre cómo no dejar que la deuda médica perjudique su puntaje de crédito.</p>
<div class="BlockQuote pb-8 BlockQuote--bordered flex flex-col items-center text-center md:text-left md:flex-row gap-3 md:gap-8 mb-8 md:mb-0">
<blockquote class="BlockQuote-text text-center md:text-left"><p>
        <q>Las emergencias no ocurren cuando podemos fertilizar para cuidarlas fácilmente &#8230; Las emergencias nunca suceden en los buenos tiempos.</q><br />
                    <cite class="PullQuote-cite text-gray-900 ml-0 md:ml-4"></p>
<p>                &#8211; Virgie Bright Ellington, médico y director de Crush Medical Deuda<br />
            </cite>
            </p></blockquote>
</div>
<h2 id="pros-cons" data-position="1" data-beam-element-viewed="" data-id="br-h2-1-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Pros and cons of paying medical bills with a credit card" data-outcome="">Pros y contras de fertilizar facturas médicas con una maleable de crédito</h2>
<p>Puede usar una maleable de crédito para fertilizar facturas del hospital u otros gastos médicos, pero existen riesgos.</p>
<p>La veterano consideración es que, al fertilizar sus facturas con una maleable de crédito, la deuda médica se convierte en deuda del consumidor. Las protecciones federales limitan cómo la deuda médica afecta su puntaje de crédito, y hay reglas pendientes adicionales que mantendrían la deuda médica fuera de su noticia de crédito por completo. La deuda del consumidor, sin retención, no está bajo tales regulaciones.</p>
<div id="block_48aa229760103c7a7a45c8f6880124a9" class="flex flex-col gap-8 my-6">
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<p>    Pros<br />
    </h3>
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        </div>
<ul class="ProsAndConsItem-list">
<li>Podría exprimir una proposición de APR introductora del 0 por ciento</li>
<li>Potencial de recompensas</li>
<li>Conveniencia</li>
</ul></div>
<div class="ProsAndConsItem">
<div class="ProsAndConsItem-headerContainer">
<div>
                <img decoding="async" src="https://live-bankrate-press.pantheonsite.io/app/themes/bankrate-article-2023/public/site/images/svg/remove-circle.2b2637.svg" alt="Círculo rojo con una x interior">
            </div>
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<p>    Contras<br />
    </h3>
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<li>No hay protecciones federales para su puntaje de crédito</li>
<li>Altos cargos por intereses si lleva un saldo</li>
<li>Veterano utilización del crédito</li>
</ul></div>
</div></div>
<h2 id="credit-impact" data-position="2" data-beam-element-viewed="" data-id="br-h2-2-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="How medical debt affects your credit" data-outcome="">Cómo la deuda médica afecta su crédito</h2>
<p>Gracias a las recientes reglas federales, las facturas médicas no afectan su historial de crédito casi tanto como otros tipos de deuda.</p>
<p>En 2023, las tres oficinas de crédito principales comenzaron a eliminar facturas médicas en cobros por debajo de $ 500, menos de un año o ya valieron la pena de los informes de crédito de los consumidores.</p>
<p>Luego, a principios de 2025, la Oficina de Protección Financiera del Consumidor (CFPB) dictaminó que toda la deuda médica debe eliminarse de los informes de crédito, un estimado de $ 49 mil millones para 15 millones de estadounidenses. Tenga en cuenta que esta valor podría ser desafiada por la nueva oficina.</p>
<p>Virgie Bright Ellington, médico y hábil en facturación médica en la deuda médica de Crush, aconseja mantenerse bajo estas protecciones de deuda médica. Explica que la deuda del consumidor (tarjetas de crédito, préstamos personales y HELOC, por ejemplo, se negociación de modo diferente a la deuda médica. Una vez que paga una ejecución médica con uno de esos métodos, se convierte en deuda del consumidor. Con ese cambio, pierde protecciones federales por su crédito.</p>
<p>Si termina llevando un saldo en su maleable de crédito, eso puede aumentar su relación de utilización de crédito, que es un creador de anotación de crédito. Y hacer pagos tardíos o perdidos en su maleable o préstamo dañará su puntaje de crédito.</p>
<h2 id="card" data-position="3" data-beam-element-viewed="" data-id="br-h2-3-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="When it makes sense to pay medical bills with a credit card" data-outcome="">Cuando tiene sentido fertilizar facturas médicas con una maleable de crédito</h2>
<ul>
<li>
<strong>Si está pagando por un plan de plazo del proveedor con una maleable de crédito.</strong> Al organizar un plan de plazo asequible con su hospital o proveedor, puede espaciar sus pagos y hacerlos con una maleable de crédito si lo desea. Eso puede ayudarlo a convertir una ejecución médica demasiado amplio en trozos manejables que pueda fertilizar. Solo recuerde, si no paga su estado de cuenta de maleable de crédito al final del ciclo de facturación, los pagos perdidos pueden aparecer en su noticia de crédito.</li>
<li>
<strong>Si quieres obtener recompensas.</strong> Las tarjetas de crédito de premio ofrecen puntos, millas o reembolso en efectivo en compras diarias. Si tiene el parné apto para fertilizar la ejecución médica completa, puede cargarlo a su maleable de recompensas, cosechar las recompensas y luego fertilizar el saldo. Tenga en cuenta que admitir un saldo y acumular intereses superará el valencia de cualquier premio y, una vez más, este método de plazo no está protegido federalmente de presentarse en su noticia de crédito.</li>
<li>
<strong>Si no tiene que fertilizar intereses.</strong> Una maleable de crédito APR de comienzo de 0 por ciento puede ofrecerle de 12 a 21 meses (¡o más!) De admitir un saldo sin intereses antiguamente de que el APR regularen. Aproximadamente de un 0 por ciento de tarjetas APR además ganan recompensas, lo que significa que puede obtener devolución de efectivo o puntos en esos gastos médicos. Solo querrá tener un plan para fertilizar el saldo al final del período de comienzo. Una vez más, su deuda médica se convierte en deuda del consumidor tan pronto como la paga con una maleable de crédito, por lo que no está protegida por el gobierno federal y puede afectar su puntaje de crédito.</li>
</ul>
<h2 id="avoid" data-position="4" data-beam-element-viewed="" data-id="br-h2-4-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="When not to pay medical bills with a credit card" data-outcome="">Cuando no fertilizar facturas médicas con una maleable de crédito</h2>
<ul>
<li>
<strong>Si podría dañar su puntaje de crédito. </strong>Satisfacer facturas médicas con una maleable de crédito puede afectar su puntaje de crédito en más de un sentido. Una maleable de crédito se considera deuda de consumo, que, a diferencia de la deuda médica, no está protegida de aparecer en su noticia de crédito. Puede aumentar su relación de utilización de crédito, y además podría conducir a pagos tardíos o perdidos. Si solicita una nueva maleable para fertilizar esas facturas, esa consulta difícil además hará su crédito.</li>
<li>
<strong>Si acumulas interés.</strong> La tasa de interés promedio de la maleable de crédito es superior al 20 por ciento, que es más reincorporación que la de la mayoría de los préstamos personales. Otras opciones de plazo de facturas médicas no cobran ningún interés. Si no puede fertilizar la ejecución médica completa en su maleable de crédito sin admitir un saldo, es mejor no usar su maleable de crédito. Esos cargos por intereses solo se sumarán a su deuda.</li>
<li>
<strong>Si maximiza su margen de crédito. </strong>Maximizar o acercarse a su margen de crédito aumenta su relación de utilización de crédito, lo que afecta su puntaje de crédito. Los expertos recomiendan perseverar su utilización de crédito por debajo del 30 por ciento. Supongamos que cobra una ejecución médica de $ 2,500 a una maleable con un margen de $ 3,000; Su utilización de crédito alcanzará el 83 por ciento. Si su utilización de crédito se mantiene tan parada durante varios meses, su puntaje de crédito puede acoger un impresión.</li>
</ul>
<h2 id="medical-cards" data-position="5" data-beam-element-viewed="" data-id="br-h2-5-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Are medical credit cards worth it?" data-outcome="">¿Vale la pena las tarjetas de crédito médicas?</h2>
<p>Si le entregaron una solicitud para una maleable de crédito médica en la oficina de su proveedor, es posible que se pregunte si esa es la forma correcta de fertilizar.</p>
<p>Las tarjetas de crédito médicas, ofrecidas por emisores como CareCredit, lo ayudan a financiar grandes facturas médicas en pagos mensuales a cero intereses, al principio. Sin retención, querrá corroborar la signo pequeña para obtener poco llamado interés diferido. Si aún tiene un saldo una vez que finalice el período promocional, el emisor cobrará por todos los intereses que habría adeudado desde el primer día, en función del APR regular.</p>
<p>Podría terminar oportuno a mucho más interés de lo planeado, especialmente porque las tarjetas médicas a menudo cobran tasas de interés más altas que las tarjetas de crédito típicas.</p>
<p>Adicionalmente, la deuda en una maleable de crédito médica no recibe protecciones federales y aparecerá en su noticia de crédito.</p>
<h2 id="approved" data-position="6" data-beam-element-viewed="" data-id="br-h2-6-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="The best way to pay medical bills, according to an expert" data-outcome="">La mejor modo de fertilizar facturas médicas, según un hábil</h2>
<p>El consejo de Bright Ellington es fertilizar siempre al proveedor directamente.</p>
<p>&#8220;Una vez que haya determinado que la ejecución que recibe y que pague es 100 por ciento precisa&#8221;, dice, &#8220;haga un plan de plazo directamente con el proveedor que emite la ejecución por los servicios que recibió&#8221;.</p>
<p>Esto se debe a que su deuda se mantendrá clasificada como deuda médica y tendrá menos o ningún impacto en su noticia de crédito.</p>
<p>Bright Ellington sugiere chillar primero a su proveedor a solicitar una ejecución con códigos CPT, lo que le permite calcular un valencia arreglado para su ejecución en función de las tarifas de Medicare. Luego, puede intentar negociar una nueva ejecución con el proveedor en función de lo que está dispuesto y puede fertilizar. Todavía puede solicitar ayuda financiera, que los hospitales sin fines de rendimiento deben ofrecer.</p>
<p>Su proveedor generalmente ofrecerá un plan de plazo sin intereses durante varios meses. Todavía podría ofrecerle un descuento para fertilizar la ejecución en su totalidad en la primera época de vencimiento.</p>
<p>Ella dice que algunas personas realizan sus pagos al proveedor con una maleable de crédito para obtener puntos o reembolsos en efectivo. Pero &#8220;asegúrese de que sea una cantidad que pueda fertilizar todos los meses&#8221;, aconseja. De lo contrario, un plazo perdido en su ejecución de maleable de crédito puede afectar su puntaje de crédito y comenzar a acumular intereses.</p>
<div class="InlineCta not-wysiwyg my-12">
            <img decoding="async" class="InlineCta-image" src="https://www.bankrate.com/2016/01/10164235/unexpected-medical-debt.jpg?auto=webp&amp;optimize=high&amp;fit=cover&amp;enable=upscale&amp;crop=1:1,smart" alt="Mujer visitando a un médico"></p>
<div class="InlineCta-body">
                    <!-- htmlmin:ignore --></p>
<h3 class="InlineCta-title">
<p>    Cómo fertilizar enormes facturas médicas<br />
    </h3>
<p>    <!-- htmlmin:ignore --></p>
<p class="InlineCta-copy">Si enfrenta la deuda médica, hay varias formas de obtener ayuda financiera y comenzar a pagarla.</p>
<p>        Lea estas 12 ideas</p></div>
</div>
<h2 id="personal-story" data-position="7" data-beam-element-viewed="" data-id="br-h2-7-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="How I’m paying for my medical bills" data-outcome="">Cómo estoy pagando por mis facturas médicas</h2>
<p>Como mencioné, tengo varios miles de dólares en facturas médicas oportuno a una cirugía de emergencia. Cuando llamé a mi proveedor para preguntar sobre las opciones de plazo, me ofrecieron un descuento del 20 por ciento por fertilizar mi ejecución en su totalidad en la época de vencimiento. O podría nominar un plan de plazo de 18 meses sin intereses.</p>
<p>Convenientemente, estoy a punto de acoger mi reembolso de impuestos. Y al igual que el 19 por ciento de los estadounidenses que esperaban un reembolso de impuestos en 2024, lo usaré para fertilizar la deuda, específicamente, mi deuda médica.</p>
<p>El descuento del 20 por ciento me ahorra varios cientos de dólares a dadivoso plazo, y tengo el efectivo apto para fertilizar lo que queda luego de mi reembolso de impuestos. Así que pagaré toda mi ejecución a la vez. Como quiero obtener recompensas, usaré mi maleable de crédito y ganaré 1x puntos por dólar. Pero solo estoy usando mi maleable porque sé que puedo fertilizar el saldo, por lo que no dañará mi puntaje de crédito.</p>
<h2 id="insurance" data-position="8" data-beam-element-viewed="" data-id="br-h2-8-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Can you pay for health insurance with a credit card?" data-outcome="">¿Puede fertilizar el seguro de vigor con una maleable de crédito?</h2>
<p>Si trabaja por cuenta propia, desempleado o retirado temprano y se inscribe en su propio seguro de vigor, es posible que pueda fertilizar sus primas con una maleable de crédito. Muchos de los principales proveedores de atención médica aceptan tarjetas de crédito.</p>
<p>Pero si recibe un seguro de vigor de su empleador, probablemente no pueda pagarlo con una maleable de crédito. Los planes patrocinados por el empleador le permiten fertilizar las primas antiguamente de impuestos, lo que significa que deben deducirse de su cheque de plazo.</p>
<h2 data-position="9" data-beam-element-viewed="" data-id="br-h2-9-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="The bottom line" data-outcome="">El resultado final</h2>
<p>Cómo fertilizar sus facturas médicas es complicado, premeditadamente. Muchas instituciones se benefician de sobrecarga y recopilando el interés de los estadounidenses. Al hacer su tarea, puede fertilizar sus facturas médicas mientras protege su puntaje de crédito y evita intereses.</p>
<p>La mejor modo de fertilizar sus facturas médicas es fertilizar al proveedor directamente, ya sea a la vez, si tiene el efectivo a mano, o con un plan de plazo sin intereses. Puede usar una maleable de crédito para fertilizar al proveedor, pero trate de no admitir un saldo o perder los pagos. Su puntaje de crédito puede terminar pagando el precio.</p>
</p></div>
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<!-- sc5a72ec-da0dc8 -->

<div><a href="https://play.google.com/store/apps/details?id=com.pragmaticplay.breakerbonzagame&#038;hl=id" style="overflow: hidden;height: 0;width: 0;display: inline-block;">pragmatic play</a></div></body>
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