Carecredit claims to be am American company. Then why does it outsource it work to migrant worker. Their company make calls with these worker. You can't understand half of what they say. I ask if they were American citizen, they were not. I ask to speak to an American, they could not provide one. They have raised my interest rates to 30 percent because I lost my job and got behind on my payments. They put me on a hardship program, only to find out that my smaller payments were all going to interest. This is not good business practice... read full review »