I consider Care Credit a necesary evil. I have more than I wanted on there now because I had to have a root canal I wasn't expecting. But I have time to pay it off and if I can't I'll transfer it to a 0% or low at minimum card when I near the end of the 0% on Care Credit. Hopefully I'll get most of it paid off and will be ready to move on to the next crown. It worries me to need crowns and not be able to afford them. But it is what it is and I'll get through it.