HAVE A CREDIT CARE THROUGH CARE CREDIT/ GEMB HAD A TOOTH FIX IN 2008 AND HAVE BEEN MAKING MY MONTHLY PAYMENTS, NOW SUDDENLY 2010 THEY HIT ME WITH PROMOTIONAL FEE'S AND ARE REPORTING TO CREDIT BEAURE THAT I HAVEN'T PAID ON TIME, WHAT THE HELL I'VE PAID WHAT WAS ON MY BILL EVERY MONTH AND STILL MY BALANCE STAYS WHERE IT IS AND NEVER COMES DOWN. SHOULD I CONTINUE TO PAY AND LET THEM SINK ME FINANCAILLY? RUINING MY CREDIT? HOW DO I GET OUT OF THERE GRASP? LAW SUIT? CLASS ACTION SUIT? CAN ANYONE HELP? read full review »