My cat hAd an emergency trip to the 24/7 pet hospital and In order for them to see her I first had to apply for “care credit” card. I now have a $500.00 vet pet bill which I am told the terms and interest rate vary from person to person and the doctor or vet is the one that sets the terms so I have 18 months to pay it off . I don’t know what the interest will be after that. I’m 55 years old and just started my emergency fund which is only $170.00 to date should I put it all towards the vet bill? I inquired about other emergency fund nonprofit no interest type loans there are none I’m told. W2 Just arrived in the mail $8100 all of last year disability my only income and he suggestions please?