Here is some information that might be of help to many. Although CareCredit is a GE Money Bank product, when you talk to someone concerning this, from start-up to now, you are NOT talking to anyone from GE. You are talking to a call center at Client Development Services in Henderson, Nevada. These people work for bonuses and will tell you almost anything to get your money. DO NOT TRUST THEM! If you check with your financial instutions, you can find many who will help your patients and it will cost you nothing. Plus you will be dealing direct and not with a person in an independent call center.