While she was headed into surgery, a hospital billing representative asked how she planned to pay. When Schell explained her predicament, the hospital suggested she apply for a medical credit card with an introductory no-interest period offered by Commerce Bank.
“I wish I didn’t have to have that conversation right then because I wasn’t in the right mindset,” says Schell, who ended up charging about $2,500 to the card. “I feel like…