Cosmetic Surgery on Installment Plans

These days, anyone who wants to be handsome or beautiful — it is no longer difficult. No need to make merit and wait to be beautiful in the next life; if you want beauty right before your eyes, cosmetic surgery is the answer. Surgery has become a normal matter, and not only for women — people of every gender are interested. But getting beautiful means digging into your wallet until it nearly bursts, depending on how much natural capital you started with. The cost of each cosmetic procedure is painfully expensive, and for the famous surgeons you may have to book a queue a year in advance. Some people with bigger budgets even fly to Korea. In the past we had to save up a lump sum in exchange for beauty, but today there is no need to save — you can be beautiful first and pay it off in installments.

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Have we really arrived in the era of promotions like this — "breast financing, get beautiful first, pay in installments later," with 0% interest over 10 months on top of it? We are used to paying installments on houses, cars and smartphones; nowadays a single credit card lets you pay for all sorts of things in installments. Want to travel? Pay in installments. Want to eat? Pay in installments. Want to be beautiful? You can pay in installments too.

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These days practically every clinic has lined up to join credit card promotions — any clinic that does not is simply losing out. It is a hit with all the salaried workers who love buying things on installment.

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Let's look at the steps for financing your beauty with a credit card

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First step: get a credit card that covers cosmetic surgery — though nowadays most should cover it. Many surgery clinics are busy running attractive promotions — 0% installments over 10 months, or fairly low interest rates — to draw in customers, which only makes it harder to resist rushing to indulge the temptation.

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Step 2: before using a credit card to finance your beauty, you should make sure of the credit limit you have available to pay, check whether it covers every stage, review the terms and conditions of using the card, and verify the promotion with the clinic you plan to use, including the interest rate charged — the interest rate must not be excessively high.

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Step 3: get familiar with being in debt, and with the risk. Using a credit card to pay for cosmetic surgery comes with risk. Be certain before deciding to swipe the card, because if the surgery does not turn out the way you like, or something goes wrong, even if the clinic takes responsibility, you still have to keep paying off the debt. And if you miss a payment, the interest could climb as high as 30%. Some procedures are not finished after a single trip to the operating table — a facelift, for example, often requires several surgical stages before it is complete. You must have a credit limit sufficient to pay through every stage, or cash in reserve.

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Credit cards are useful, certainly, but they must be used with mindfulness. Use one carelessly and you are sure to end up buried in a pile of debt. Anyone who wants beauty on installment must build credit-worthy habits — true to the card's name — to avoid trouble later. Because if you cannot pay for a house, car, smartphone or appliances, at worst the bank repossesses them; but with surgery, they can hardly take the silicone back out. The best approach, as we said, is to be careful with your spending. If possible, save up little by little, day by day — perhaps set up a piggy bank for your surgery fund and place a photo of a beautiful star at the head of your bed for encouragement. That way you can be beautiful with pride, and without having to worry about paying off debt.

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For anyone who wants to be beautiful and safe at the same time, do not forget to check the details of the doctor performing the procedure, as well as the clinic you choose. For the doctor, you should verify whether they are a properly certified surgeon, whether they are genuinely specialized in that particular field, how many years of experience they have, and whether there are real patients treated by that surgeon whose results you can see. Before going for a consultation, you should also prepare a complete list of the questions you want answered to ask the doctor. And when choosing a clinic, check that the clinic meets standards, is clean, and has modern technology. Do not forget: surgery is fine, but it must be done mindfully.

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With love and care from Thai Clinics

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