I have been using carecredit for YEARS and they finally messed up and did not take any responsibility for it. I pay 100 dollars twice a month, sometimes a little less depending on my balance. The last payment was was made at 156.00 (which is what I owed to my vet) and I did this to enter their cash back giveaway. I received a confirmation email that the payment was processed and even got a confirmation number. A few days later my account balance doubled. I called my bank- they never received confirmation of a payment nor was a payment withdrawn from my bank account. I spoke to at least 5 robotic and foreign costumer service representatives that kept repeating themselves. They kept telling me there was nothing they could do to correct their mistake because NOW I have a large balance to pay. They probably did it on purpose so the interest rates on my account went up. I called finally and spoke to another person- a manager. He told me they wouldn't charge me late fees or interest... wow, so freaking helpful. Where is their costumer service even based? India? I don't trust this company anymore and I am going to further investigate this. Something sneaky going on with them. Their CO should be ashamed of himself.