<prompt> Human: Im having gallbladder surgery my max out of pocket is 3000. I have a medical credit card that I can place the 3000 on and pay over time, or I have exactly 3000 in savings. Should I use my savings or put it on the card? The card is 22-ish annually.  <response>: The hospital will most likely offer you a payment plan with 0 interest. Do that. 