My experience is old when treatments were slighty cheaper and the cost was more straightforward.

We had zero debt. We paid for all our treatments on our credit card. We then paid our credit card off with medicare rebate money and then the balance was paid off obviously with a view to incurring as little interest as possible considering the interest rates that credit cards charge. Some retropsectively charge from the date of the purchase. Just knowing our credit card rules was important.

If you have a credit card with no money owing, and a fairly high limit, then i can't see why you couldn't use this option. Just make sure your eyes are fully open to the cost of interest. Every cent that you can save up before hand not only saves you paying interest later, but earns you interest in the mean time.