Run, don't walk. Care Credit is spot on wonderful. The eye doctor was so-so and this Alphaeon credit is just usury. They never mentioned an interest rate to me. I never get a statement, just a phone call. But today I got a statement. No account number on it anywhere, so I struggled and went online and got enrolled. THIS PIECE OF *** COMPANY SWITCHED ME FROM ZERO PERCENT INTEREST to 23%. User's recommendation: USE CARE CREDIT. They're efficient and better.