The comments I read here about CareCredit and their scammy customer service reallly scared the bejezzus out of me since I had just acquired the card for extensive dental work.
Well, I called the "Account Security" section and canceled my participation in that particular "option".
I even set up to pay more than the minimum payment to fullfill the interest free time period.
The customer service reps were overly solicitous and handled my request without trying too hard to make me change my mind.
Also, I did not have to wait at all to speak with a rep.
It looks like they're trying to clean up their act.
Product or Service Mentioned: Carecredit Credit Card.