My wife had oral surgery done. The periodontist's office offered credit arrangements via CareCredit (a.k.a. GE Moneybank). The deal was 0% interest if paid in full within one year. We paid extra each month to make sure we paid it off before the one-year expired. Despite having cancelled checks as well as bank records from e-transactions, they found every way they could to say the balance was not paid in full within 1 year i.e. "did not receive", "received late", etc.; any BS they could think of. Even after proving them wrong, they socked us with a HUGE interest payment. Customer no-service was rude, rude, rude! They simply could not accept the fact they were proven wrong. The matter is still not settled after 18 months.