I have worked in emergency vet med for a long time, and by necessity every place I've worked has had to offer care credit. I always try to take the time to explain how awful and predatory the company is if I had to help someone apply. Even if you "qualify" for interest deferment, if you don't pay off the balance in the window, you get slammed with the interest payments on whole original principle. They're like a pay day loan place, but they send you a card. OP is for sure not wrong to be wary. Even if she's a little standoffish in her responses, she's still less shitty than care credit.