Active discussions

Meet the Other Phone. Child-safe in minutes.

Meet the Other Phone.
Child-safe in minutes.

Buy now

Please or to access all these features

Talk
AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

To think this is what the Credit Card is for?

97 replies

BitterSweetSound · 26/02/2018 17:01

I have a really painful tooth, suspect I may need it removing as I've had problems with this one before.

We don't have £70-100 (band 2 treatment) lying around for me to have the treatment but do have a credit card with £300 limit spend on it for "emergencies". We can pay the minimum off on it each month if we cut back a bit and we'd be debt free again by Christmas.

DH thinks that this isn't what the credit card is for and I should wait what could be months until I can afford it - last time we needed to pay it off he had to stop smoking so we could afford it (we spend £10 a week on cigarettes for him!) so that would be the first thing I'd expect him to give up in order to do it. He's usually a great man and a good dad to our DD but he is very addicted to his cigarettes (and before anyone asks he never smokes in the house or garden, never in the car, and never when we're out with DD - if he needs one he has to make arrangements to have one away from DD without leaving us to do a family activity without him - basically I make it as difficult as possible for him to smoke but he still does)

So AIBU to think this is what the credit card is for? Or do I have to wait until I can afford it

OP posts:
Allthebestnamesareused · 26/02/2018 17:03

Get your dental work done. He's being a y
Twat!

BishopstonFaffing · 26/02/2018 17:03

You're in pain and he's still smoking? Use the credit card.

Trinity66 · 26/02/2018 17:03

Of course that's an emergency :/ Your DH thinks you being in pain isn't an emergency?

Blinkyblink · 26/02/2018 17:04

You see I read stuff like this and my jaw hits the floor

My husband and I divorced for far less than him essentially not caring a damn that I would be in pain for months

How on Earth you can describe someone as good who would happily have you in pain for months is beyond me

GreatDuckCookery6211 · 26/02/2018 17:04

Yanbu at all. You're in pain.

Aprilmightmemynewname · 26/02/2018 17:04

So if he didn't smoke you would have a canny emergency fund of cash? Your dental health isn't something to save up for!! Get yourself to the dentist!! Tell him to stfu - with his lack of priority for his dw he is a disgrace.

BarbaraofSevillle · 26/02/2018 17:06

If you're in the UK, NHS Band 2 treatment should be about £56, not £70-100 but yes, this is what the credit card is for and you shouldn't suffer for so long and yes, why is your DH wasting over £40 a month (£500 per year!) on cigarettes when you are clearly on a very tight budget. Do you get to spend £10 a week on something just for you?

He needs to get himself to a stop smoking clinic at the GP and when he isn't literally setting light to a tenner a week, you'll be able to go to the dentist and pay the bill off by Easter, just about.

TinyTimsCrutch · 26/02/2018 17:07

Get it done, or it could cost more in the long run

martellandginger · 26/02/2018 17:07

The dentist may let you pay in small amounts. Ring and ask them if they do this. Tell them money is a problem and what can they recommend. I’m thinking it be better terms than a cc.

SusannahD · 26/02/2018 17:07

This is an emergency, it’s got to be done, I’d be pissed of if DP was smoking and I couldn’t have dental treatment because of paying for cigs.

BeeFarseer · 26/02/2018 17:07

That is EXACTLY what a credit card should be for.

Your DH would rather leave you in pain until you can save up to pay for your treatment. Your DH is being a selfish cunt.

Original poster
BitterSweetSound · 26/02/2018 17:09

Barbara When I asked the dentist about it they said they charge the check-up amount on top and then if I have any other treatment as well they can charge for that, I don't think they'll be much left from £100.

OP posts:
Olga81 · 26/02/2018 17:11

If you really cannot find £70 pounds and it would take until Christmas to pay off the credit card have you checked you don't qualify for any sort of reduction on dental treatment?

You can check here

services.nhsbsa.nhs.uk/check-for-help-paying-nhs-costs/start

TinaMena · 26/02/2018 17:12

Deal with the emergency now, otherwise it will get worse and end up costing more

BarbaraofSevillle · 26/02/2018 17:14

Oh, OK. In the times I've had band 2 treatment, I've paid the £56 for everything including the check up, not £56 plus the £20 ish for the check up. Maybe different dentists do it differently?

In any case, whether it's £56 or £7X, it's the very type of thing that should go on the credit card if you have no spare money and you should cut out other discretionary spends like cigarettes to make the repayments.

Also, medical costs should come from the family pot, not personal spends, which should come afterwards, with both of you having equal amounts.

Olga81 · 26/02/2018 17:15

What the dentist has said about charging the check up fee on top is not correct.

Knittedfairies · 26/02/2018 17:15

Yes, get it fixed now before it gets worse and costs more. Just what does your DH class as an emergency?

SnowiestMountain · 26/02/2018 17:17

Of course that's what it's for, get it done!

DetectiveDog · 26/02/2018 17:18

I agree with you, definitely a good use of the credit card!

TheSeasonOfTheWitch · 26/02/2018 17:19

Wow. Just wow.

Put it on the credit card and he can pay it off from the money saved by him not smoking.

TomFun · 26/02/2018 17:21

OP, check about the dental charges as your band 2 fee should cover the check-up and extraction. I’ve just had a check-up, extraction, filling and polish done for the band 2 fee within a three-week period.

Absolutely use the credit card for this as it’s an emergency.

GlitterGlue · 26/02/2018 17:22

It may be a charge for an emergency appointment plus treatment if it’s around seventy. But a single charge covers about four fillings or extractions so get any other treated. Dh is wrong, btw.

Are you definitely not entitled to any help with costs if you’re on a low income?

CoffeAndCream · 26/02/2018 17:22

Would he wait months if HE was in pain????

expatinscotland · 26/02/2018 17:23

WTAF?! You leave that tooth and you could wind up with an abscess. Of course you use the credit card for that!

SluttyButty · 26/02/2018 17:24

Use the card, definitely! I’ve just booked an appointment (lucky enough to have an excellent nhs surgery) because I’ve got toothache, I’ve never ever had toothache before and it’s really not pleasant Shock
Anyway I hope you get it seen too very soon and tell him he’s being a twat for trying to deny you prompt treatment.