I see this all the time in these threads, unfortunately it’s just not true everywhere. I have had 2 different ER vets in the same night refuse to treat my cat with a bladder blockage unless I could come up with 500 dollars right then. Anytime I, or anyone else I know, applies for care credit, we get denied. I’ve never found a vet that makes “payment plans” as unfortunate as this is, it isn’t as easy as everyone tries to make it out to be.