Oh weird, I've had it for over 10 years (originally got it when my dog needed end of life care to the tune of about $3k) and I've never had any issues with it at all. I've taken out two car loans and two mortgages during that timeframe and have never had a limit drop or anything. I don't think I've ever even had to call their customer service for issues. No idea why that happened to you.

I only use it for routine care because I have 3 dogs, so annuals + stool tests + hw bloodwork + shots x 3 = $1000 usually. In your case, I really would use it as a backup for medical emergencies if you don't go with an insurance plan. I personally cannot justify the cost of insurance x 3 for something I'd basically never use. Yes I know, in a catastrophic incident it would be worth it. But that's why I'm happy with Care Credit - no monthly fees and I have 2 years to spread out the payments in the rare times I would need it.