I see beam, gotcha, thanks for the helpful clarification and rejoinder on the topic in any case.  

would imagine many have sought more clarity on this somewhat intermediate/advanced topic, and appreciate that you highlighted important info. about CFLs and to avoid these types of accounts, since when one reports it is always (somewhat) a neg. entry.  

Perhaps since they generally tend to cater to more risky borrowers they get a ding by FICO unlike more solid TLs (don't think that is common knowledge with all the new members and even some vets.)  I support your well conceived decision to bag Care Credit for a non predatory CU product, even though it has worked out for me so far. Good going with your forward thinking, I may eventually cancel for the same reason.

OP please forgive me for going astray briefly...now back to the regularly scheduled OP