I paid ahead of schedule as instructed and not only paid off in time, but paid an extra$100 trying to pay within the time frame I was supposed to. I knew within a day I'd paid too much. Got a bill with balance $23.06 yet have a credit of $70 something now! I still do not understnad the finance charges! I have proof of payment dates. CareCredit employee could care less! Very rude! Now...I wait to see if they actually return my overpayment because as I looked up a website for CareCredit/GEMB, all I saw was a page of complaints against this company! SHAME ON CC!