One thing about debit vs credit card - debit comes directly out of your bank account, just as if you had taken money out.

Credit card - you can wait about a month to pay the cost on there, it doesn't come out of your bank account. (Unless you have set up a monthly payment to your card.)

A credit card buys you time - and gives you a chance to save up to pay the total bill.

Hope your Zoey is ok!