I had to get this card when my Dog was in the ER and I didn't have enough cash on hand. So you are trying to fill out paper with a dying pet and you don't notice certain things.
First off the APR is 27%. That is absurd. It makes it impossible to pay off the balance. They pretty much are taking advantage of people in tough situations.
Next I missed my first payment but have sent all the others with in 30 days of each other yet they charge me a late fee every month. I called in they said don't mail them. I like to use my bank pay system and don't want to have to go everyone I have to pay and use their individual site. That takes to much time.
They were going to keep charging me late charges until I called them and pointed out with my bank statement that I have sent payments to them every 30 days. Had I not had that on my bank I would not have been able to show them.
Again they are here to take advantage.
Product or Service Mentioned: Carecredit Credit Card.
Monetary Loss: $300.