This is the absolute WORST financial institute I've ever encountered!! Thought it was a great option to use when my dentist office recommended it and have made timely monthly payments 3x what is required, so imagine how shocked I was when I learned that my balance was higher than my limit and the amount that I had charged because I missed a promotional on the interest??? What?! Because my payments are set on auto-pay, I rarely look at this account so when I discovered that interest of $564 was charged to my account and caused it to go OVER the limit, I was furious!! DO NOT USE CARE CREDIT - IT IS A RIP-OFF!!! Any other loan company would incorporate interest rates, not hit you up all at once for them. I will NEVER use this place again.