my name is joan lupo and I am in the same boat as many others who have been convinced that they needed extensive work that the insurance provider who not cover and were encouraged to take out a line of credit with care credit. In my case it was for dental work. I came to my dentist with c/o a loose bottom tooth and by the time I left I was signed up for 4 implants at a cost of aprox 20, 000.00 dollars. care credit gave a 14, 500.00 creditline. I was lead to beleive it was more of a personal loan not credit card. I have been paying these people for almost a year and when I added up my payments to date I have given them at least 5, 000.00 dollars. My balance reflects that I have only 12.00 dollars credit towards the amount borrowed. If you are late with payments they call your home late in the evening and on weekends. I hope there is someone out there that can give me some advice about these people and if anyone is filing an action against them I would be happy to add my name to the list.