Beware of this company's predatory actions. Care credit uses outdated credit info to decide whether or not they will reduce your credit line while in contact. This is the second time care credit has reduced my credit limit putting me at 97% credit usage, ultimately dropping my credit rating by 60 points. When contacted and asked for the reason behind these actions, they stated that 60 days ago my credit use was high (christmas, holidays), but had since been paid off... Their system back dates interest, and will reduce your credit limit quarterly, but not notify the consumer. I spoke with several managers whom were all very nasty and blamed my carelessness for the reason of my reduction... Funny I had a 740 score until yesterday... Please beware. If any attorney read this, feel free to find me...