We had an account opened in 2006 to pay for dental work. We paid the complete $1500 balance off in full ahead of schedule in 2007. This account was in perfect standing, no lates, zero balance and they hounded us to use the $1500 of available credit every month. So we didn't use it for a while but then our dog required emergency surgery and we spoke to carecredit on the phone and they referred us to a vet that accepted them for payment. My regular vet did not take carecredit. So they tell me on the phone on 10/28/08 that yes we had $1500 credit and get the procedure done at their approved vet, interest free for 90 days. I get to the vet and explain that all work is contingent on CareCredit and please verify it first. Well the receptionist just nods and assures me its all fine no problem. Then I come to get my dog after they do $1000 surgery and my card is declined! CareCredit then says they had closed my account back on 9/30/08 due to inactivity. They didn't tell me this the day before and the website didn't say anything but the opposite. In fact I had a print out of my account from that day 10/31/08 which said $1500 avail credit to use. Well they were idiots and so was the vet and suddenly since I could not pay them, my dog was held as ransom for payment. It took me 3 days of screaming before they finally gave me my dog back. CareCredit is still an issue to be resolved. I would never trust them or there website or there phone reps and supervisors. Worthless bunch of idiots. As for the vet, he lost all my respect when he could not see it was not my error. He was unreasonable and very uncaring. The care was substandard once they found out care credit declined it. They treated me like a criminal suddenly. I wrote them a check finally and got my dog back. They wouldn't discuss details of surgery with me, no aftercare instructions, no pain meds, not even the biopsy results that cost me $136. They charged me full bore on there kenneling and even for taking dog to potty. I felt that the receptionist should have confirmed the coverage as i asked her to do in the first place. They accept no responsibilty and carecredit is now claiming we can reapply for a new account. Not approved. Another glitch they can't explain. So after I got my dog back I put a stop payment on check. I hope the vet takes me to court. I don't want to rip anyone off but I felt they could work with me to settle the problem with carecredit. They are all unethical ruthless greedy and have no clue.