The guy is a ripoff. It doesn't look like the ritz for nothing. Computers always down. Unprofessional behavior. Not on time. Tries to sell stuff you don't need. Go someplace else. He is a salesman more than a dermatologist. Having to have a credit card on file is their way of hoping you have a no show so they can charge. Makes one feel more that they are wanting your money more than they care about your illness. Go to someone that is moderately concerned more about your care than your insurance and credit card.
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