I opened this account in January of 2007 with my father as a co-signer. I paid a few dollars more than the minimum every month by the due date until August 2008. In August 2008, I began experiencing money shortages. My payments were no longer made by the due date, but the payments were made within 30 days. My father was a cosigner on this account and it was imperative that I stay as current as possible. I let other accounts go deliquent before I let the Care Credit account lapse. In February 2009, I took the family in for their semi-annual... read full review »