Don’t waste your time or money
They will decrease your credit limit as you make monthly payments, then hit you with a huge interest amount at the end of the promotional period, causing your account to become negative and doubling the monthly minimum amount due. I use several major banks and this was the first time I have experienced something like this. No 30 day late payments, paying above the minimum and sometimes prior to the actual due date. Do not use their benefit program because they charge you $100 monthly, which takes away from your payment. Also was being charged interest during their deferment period. Very disappointed with my Care Credit experience. Had some terrible representatives that I encountered (most were pleasant). Will not recommend to family or friends. Will close account and never use again.