I have had a ge money bank care credit account for 2 years now, i have made payments for those 2 years and have not seen my balance decrease. As a matter of fact i have seen an increase every month. When i called customer service i was told my promotion was over, i advised the rep that i was never told about a promotion period i was told i was on a fixed pay plan. He then said that my interest rate sky rocketed to 27% after promo period. Now my payments have gone from 130 to 150 to 185 and just today i saw that the payment is now 194 and i have not been late on the card. These terms and conditions were not explained to me when the card was signed for nor was i given a copy of my contract.