A medical emergency is never any fun to deal with. You need to get some of the medical attention that you deserve, but you worry about how you are going to be able to pay for the big bill when it is all over. Even if you have insurance, you may need to still come up with the money for the deductible and some of the other fees. Depending on how high things get, you may worry about choosing whether to pay for the medical bill or your rent for the month. 

One option that some hospitals are going to offer is a medical credit card. This seems like a simple solution that allows you to go through and put all of those medical bills onto a card, without having to worry about coming up with the money right away. But are these a really good idea or is there a catch you need to worry about. 

There are a few problems that can happen when you choose to work with a medical credit card. Some of these include:

# They are easy to overspend on and if you don’t watch the bill, your doctor or medical team may add some extra expenses onto it that you were not counting on, which can make the bill higher.
# The interest rate is often higher on one of these cards, more so than using a traditional card, and since you can usually work with the medical facility to make payments with no interest, this is not the smartest way to do things. 

# It can cause a ding on your credit score for taking another card out. Things can get worse if you are not careful and can’t make the payments, which can harm your creditworthiness and your ability to rent an apartment. 

It is usually best to find some other way to handle your medical bills. Sometimes the expense is an emergency and can get high, but most hospitals and doctor’s offices will work with you if you need some assistance. 

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