CareCredit MasterCard is useful for paying for health related services. Each supplier provides interest free promotions for big ticket items ( dental and vision ). Used this successfully with no problems until May 2021. After paying a fixed amount each month for more than 18 months on promotional balances was slammed with a really high interest payment. Customer service and manager refuse to use discretion to waive interest payments even though I made a large lump sum payment that if applied would have cleared the promotional balance. Terrible customer service.