They don’t deserve any stars. Don’t go paperless. You need to read the small print. They have varied so called promotions that is up to the provider, really! Little did I know this since it’s been 18 months in the past, now it is 12 or maybe 6 months. Then they dump the complete huge interest from the start on your bill if not paid in full by the end of promotion. Customer Service no help, not their problem. Heads up for those thinking of using Carecredit. They need to change their name. No caring-ripoff.