In the health-care industry, credit and charge cards are emerging as a valuable payment option for consumers seeking greater financial flexibility and for providers concerned with how to better manage their financial operations and build incremental business. In a recent study by American Express, the attitudes and practices of American Express® card members were examined concerning office visits and of the American Express Card to pay for them. Cardmembers claimed that credit- and charge-card acceptance among dentists is an important factor in their decision when choosing a dentist and considering elective procedures. The American Express study revealed that nearly all cardmembers (94 percent) who use the American Express card to pay for dental office visits pay the bill at the time of service, with 55 percent paying the entire cost of the visit/service. Close to half (45 percent) said they would be more likely to consider elective or cosmetic dental procedures if they can pay with the card.