i had to go to care credit a few years ago and can hardly make minimum payments as is, and when the promo was up they charged me over 400 just in interest. customer service said there was nothing they can do, that it was only offered every 12 months.
i got a call six months ago (from a woman that barely speak english) about them reducing my apr but when i called today they told me it will be going back up and there is nothing they can do after i told them i was trying to pay it off in the next three months. i wouldnt suggest to anyone to go to them.
Monetary Loss: $1800.