I honestly despise CareCredit. I would never use them again. I understand that if you read carefully and pay everything on time it's fine (if you're a Capricorn or something I guess go for it), but they don't seem to want you to. I received my payment notifications consistently the day after, and I called to inquire about it and see if they might think about doing it the day before like any other establishment? They said they could not. To me, it's not about needing to set reminders on your phone or making sure you pay it quick. It's the principle of it all. This is apparently the only option for installment payments for dental? And you operate like you want people to miss their payments?Even after I paid it all, 6 months later I receive an email that they ran my credit to see if I qualified for an increased limit? AND that they denied this increase. Dropped my credit score. I didn't think you even could do that without requesting? So I called and got zero answers. Then they closed out the account. I don't know. I honestly never write reviews unless it's something positive but I hate this place and I truly think they're predatory.When I went in for some more recent dental procedures you bet I didn't use it. You're better off putting it on a normal credit card. Also the billing woman at the office said she personally would NEVER use it. Tells you everything you need to know. Also I just hope this helps someone. Don't end up paying this company back 3 times the amount in interest/fees and don't let this sham of a company drop your credit more. Use a normal credit card, borrow money from a friend if you can.