<prompt> Human: I have to get my wisdom teeth out, and the anesthesia isnt covered by insurance. Itll cost 500 if I opt for the gas, 700 if I want to be put to sleep. This is an out of pocket expense I cant really afford to pay off all at once. My dentist suggested I apply for Care Credit, so I could pay it off in monthly installments rather than all at once. Now that Im looking at their website though, I see a lot of red flags but mostly just phrases that I dont 100 understand. What worries me is the promotional period. It says I wont have to pay interest as long as I pay in full within the promotional period, does this mean the time theyve allotted me 6 mo, 8 mo, 12 mo, etc or is it something else? Somewhere else on the website it says For new accounts, Purchase APR interest rate is 26.99. This worries me as well. Im young and dont have a lot of parental guidance about this stuff.TLDR; Does anyone have experience with Care Credit? Is this a scam and if it isnt a scam, is it worth it?  <response>: It doesnt sound like a scam. Theyll lend you some money, but 27 interest is outrageous if you dont pay it in full before the promotional period ends. 