Care Credit is a predatory lending agency. I was sold a 24 MONTH month 0 interest promotion for my LASIK eye surgery. I received NO warning that this promotion was going to end after 12 months. NO NO WARNING at all. I signed up for paperless billing and I notice my balance was not being paid down. I called CARE CREDIT 7seven times and explained and they would do nothing for me. I asked for a copy of my terms and they said it would take three billing cycles. THREE billing cycles, as they gouged me month after month at 36% interest...me with almost an 800 perfect credit score. KARMA is a [protected]@t#H and they will go out of business soon. DO NOT USE this company. They are SCAM artists.