Care Credit GE Money, GE Capital Retail Bank, GECRB 1 week late in payoff charged 42% of ORIGINAL Balance Internet

GE Money / Care Credit  -  These people prey on you.

2 years ago my mom went in for eye surgery.  We thought these guys were great, my mom is on social security, and could not afford to pay all at once - and with their help, she could have her surgery & take 2 years to pay - we borrowed $3300. 

We faithfully made payments over the last 2 years, bringing the balance down to $765. 

My mom had a bad fall, and we had to move her to a smaller, single story home - we were busily getting her settled, so we just made our regular payment on-line in October, without really looking at the bill. 

When I looked at it, I found that the "promotional rate" had expired 5 days previous.  They had applied interest charges of $1387.28 --- that is 42% of the ORIGINAL $3300 - basically tripling the total due. 

I contacted them, to do a payoff, asking to negotiate this exteme interest charge, I explained the situation, and they were willing to reduce the interest by 1/2, assuming I paid the total the same day - which I did appreciate - but still seems like rape - more than $100 a day in interest ! 

I know that I am to blame for not looking at the bill earlier, and I fully expected to pay a late charge, or interest on the remaining principal - but REALLY -

I paid it, so as not to incur any more charges for my mom, but after paying it - I am getting angrier and angrier, and losing sleep over it....  You would think there would be some sort of grace period for a payoff. 

SERIOUSLY CONSIDER any other options you may have before borrowing from these guys.