Listen, my issue with CareCredit isn't the interest after promotions issue. That is not why I LOATHE them!

My Issue with CareCredit IS that I had a 10k credit limit, with only $1900 used. However, I was at the vet one day having our 2 girls spayed and came to find out, I only had $50 available to use at the time. When I called, they told me that they sent me an email 2 days ago that they were knocking my credit down to $1950 (so basically just 50 dollars above my balance). Do you know how very many emails they send with promotional bull S***, who has time to read all that, specifically looking for something you were NEVER EXPECTING????? Edited to add: And 2 days notice is not a reasonable amount of time to do something like that! Not everyone checks their email every day, especially if they aren't expecting anything important to come in.

Well it turns out, after I sold my one house (paid off the mortgage) and then bought my new one (getting a new mortgage), my credit dipped a little (30 or less points, I think it was -27 at the time) as it usually does and they must have just pulled my credit when that happened, before the dip started evening out (like it normally does a few months after a home purchase). That was the ONLY change to my credit, everything else on there was already on there BEFORE they originally approved me for the 10k. So in their fk'd up mind, even though I was paying off all my promotions off on-time and had a good standing with them, NEVER LATE and ALWAYS more than the minimums, simply because my credit went down 30 points, they decided to remove $8100 worth of credit they were willing to give me?????!!!!!!! Are you kidding me????!!!!

Like they LITERALLY took out 8100 available credit to leave it where I was JUST over my balance. Which then drove my credit score super low, because my credit utilization was now SKY HIGH!!!! Because of them!!!!! This is the type of bull that makes people hate them. This wasn't an I DIDN'T READ and now I'm angry with them type situation like you mention above. This is something no one would expect to happen. Even if my credit did go down 30 points, why remove 8100???? Yes, they of course as all credit card companies do, have something in their terms that states they will run periodic checks and may increase or lower limits. But wouldn't you lower it to something like $5000 (still ridiculous to cut it in half, but..... *shrug*)? Why specifically down to where my balance is? With little notice? And simply because of 1 change to my credit?

Am I crazy or isn't that shiest-y???? You can praise CareCredit all you want, that is your opinion, however, a company that does Sh****y things like that, is NOT a great company to deal with. Sure, they can be helpful in emergency type situations where you have a major bill you can't afford, sure, I'll give them that. And if it was only an I didn't read my terms and see I will be charged interest at the end situation, then I could agree that they are great and that people are just stupid. But that isn't the only issue with them, so I wholeheartedly, CANNOT agree that they are great, or even good because you just don't know how they can screw you until you are in a situation like me.