My daughter took a care credit out for my dog who needed emergency surgery or would have died. I have been paying the monthly payment only to find out her bill has gone up not down. They charge 45.00 mth interest if the bill is not paid off in full. Should have read the reviews first but it was an emergency and didn't think about it. I would never recommend care credit to anyone! Plz read reviews on it, it should be illegal what they are doing to consumers! Her limit was 2000 something and it's now 3100, after paying monthly payments. There are many many reviews I found on it that has done the same thing to other consumers!