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Since they are limited to medical expenses, they can lend "a sense of control if you tend to overspend" on regular credit cards, says Billy De France, an El Paso, Texas, financial planner.
Pros: Medical care credit cards, such as Care Credit, often come with attractive 0 percent promotions, and some can have reasonable interest rates and payment plans.
Advice: Don't pay more than 10 percent interest, Kautzmann says.
Cons: A large purchase such as cosmetic surgery can tie up your credit line and reduce your credit utilization ratio (which in turn may lower your credit score) initially.
"Patients should to take a step back after the consultation and ask: 'What procedures do I really want or need? Pros: Assuming the card has a reasonable interest rate, this can be an affordable way to pay for the surgery while you maintain or even build your credit.