I applied for a Care Credit account in 2011. At the time, I felt that it would be a great idea to enroll in the Account protection just in the event that I was downsized. Well I was downsized but able to make the minimum amount each month out of my unemployment along with the fee for the Account protection services. Things took a turn for the worse financially and I contacted Card Credit to explain my situation and my hardship and to see if I could make a payment a week after the due date. I had been current with all payments except for this past month when I contacted the creditor. I was honest and told the rep about my circumstance. I was also told that my account was noted regarding the hardship and call and not to worry. I also applied to have my account debt forgiven since I was unemployed and paid for the Account protection service. I sent all the necessary information to the Plan Administrator in Roswell, GA.
Three days after contacting Care Credit I began receiving calls from a woman with a strong Indian accent regarding my account. She never left a message but continued to call me over and over from a number with area code (937). I answered the phone and she asked for the amount due of $38 to bring this account current. She was very rude and nasty. I told her not to call me again and I paid the $38 when I got to my computer, this left my checking account with a balance of $10. She also told me that she would be calling me again if I skipped payment for July 2012. This was harassment and will be reported to the FTC.
I do wish that I had never gotten this account, but once this is over I will never apply for this type of crap again. It is too bad that I don't have health or dental insurance and this was the only way that I could visit a healthcare professional.