After I sing out with them with my CareCredit card for medical experiences and promotion of promise 24 months they Brock the 24 months agreement and start charging me one year earlier and when I called and complained they retaliate and closed my other credit card and said they check eqafax and your credit is bad ,it operates from somewhere in other side of the world which they dont speak English clearly which they get away with their corruption User's recommendation: Don’t fall in to their traps.