I used my CareCredit credit card to pay for a $530 surgery for my cat because they advertise a 0% promotional interest rate for at least six months, depending on the total charge. 
$530 should have been 0% for a year. I misunderstood and I thought it was applicable to all veterinary charges and medical providers if they participate in care credit, but the provider has to specifically opt in for this promotion and the place that did my cat’s procedure did not.
I was shocked and alarmed when I got my statement yesterday and saw that interest would accrue 32.99%. I understand it was my mistake, but I thought it might be their error so I chatted with them about it. After being told what I wrote above, I simply asked them if there was anything they could do about it because this is a ridiculously predatory interest rate. 
That’s all it took for them to honor the 0% for 12 months I thought I would get.
Don’t let these scumbag banks charge you predatory interest rates without a fight. Yes it was my error, but asking and reminding them that they are being predatory saved me a boatload of money. It was worth the five minutes of texting chat. They’ll even backdate it to get rid of the $13 in interest I got charged before I got my first statement. 
 #predatorycapitalism#CareCredit