have any of you ever tried care credit?

i got one from my dentist? it is a credit card..but you can only use it for mrdical purposes ..like dental ..vision..doctors..etc..i found it good to have if your sick and in between paychecks..i only used once.
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It is good to have but the interest rate is high, and if a payment is even a few days late they cut off you being able to use it. I know from experience because i used it for a dental visit and for some reason i forgot to put my checkbook back in my purse, and used the card, well being the first time using it i received the bill saw the due date and put it with my other bills and when i picked it up again it was due in 5 days, i sent the full payment and it arrived 2 days late. I had a late fee, i called and they would not remove it even though i full paid $1,588.00. I went ahead paid the late fee immediately, and in two months went to dentist used the card and it wouln't go thru, because i paid late.
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