Financing HT - CareCredit Questions

[HappyMan2021]

I am thinking about using Care Credit for an upcoming surgery and have some questions.

1. Is Care Credit only a soft pull on my credit report? Or is it a hard pull?

2. Can I specifically and explicitly get a confirmed amount from CareCredit, before pulling the trigger on it? Ex. say my HT will be $15,000. Can I confirm with CareCredit they will lend me $15k before pulling the trigger on it?

I do realize CareCredit has some pretty ridiculous interest rates if you don't pay in full before the grace period ends. But my reasons of doing CareCredit as opposed to opening a new 0% APR promo credit card are:

-if CareCredit is potentially only a soft pull, whereas credit cards are almost universally hard pulls. Much better for my credit score.

-there is no way to know beforehand what a credit card limit will be. Would be really dumb to open a new credit card, take the hard pull hit on my credit report, just to find out it doesn't even cover all the surgery costs

-I don't mind the high CareCredit interest rates as I am certain I will pay all costs in full before the grace period ends

Thanks

Edited June 9, 2023 by HappyMan2021