0% on purchases credit card, for XXX months. HELP?!

[berryconfused]

Hi!

I am having surgery with a private provider here in the UK.
I have set up a payment plan with the provider itself, to pay the cost of the surgery back.
I have a limo sim I need to find the funds for, to pay the provider upfront as my 'down payment / deposit' in order to get the ball rolling to pay for the surgery monthly.

(Hope that made sense!!) 🤯

I haven't ever had a credit card before, but have seen some with a 0% APR for purchases for 4/5/6 months, and then the APR shoots right up to 39/40% APR after those initial 0% months.

I just wondered, would a medical related down payment be okay to pay off on a credit card at 0% for purchases only..?
Would this count as a purchase?!

I worry that I will do it, and then come to find out it doesn't count as a purchase and therefore be lumbered with the 30/40% APR to pay back 😭

Can anybody help?

I'm in the UK if that helps? 🇬🇧
Thanks in advance! 😊🙌

Yes I'm sure if they accept credit cards at the hospital then its fine. I paid for a dental treatment on 0% credit card although mine is 21 months at 0%.

Also had one a few years ago for our wedding, To keep track of costa in one place, then pay them off in one go after the wedding (we had a small wedding- very small as we eloped- but had party afterwards!)

Check money saving expert for the the best 0% on purchase deals abs ensure you pay it off. I got another one this year for a holiday to help with budgeting so all the costs are in place.

Yes should be fine, you can get them for up to 24 months usually (or more with certain banks if you're a previous user). I echo the above, but also try Clearscore as they will tell you your eligibility.