I have a Care Credit card. My medical bill was over $3000, and I have until the end of the year to pay it off without interest. With the virus, my job was put on hold. This puts me in a tight bind. On top of that, I had a wonderful credit score. It went down because the Care Credit banking system has a different way of evaluating your credit. Am I happy with it? I would give it a C-. If I want to pay my bill with a debit card, I have to call. I cannot just do it online. That is an inconvenience.