CareCreditReviews 848

Wow, I have never had an experience as bad as this. To save my pet's life, my vet referred me to CareCredit with zero % interest for 18 months. I set it up for auto payment from my account and didn't look online at the account for 4 months! Every month had interest and when I called they wouldn't take off the interest. Horrible customer service, I immediately paid the balance with a balance transfer from CapitalOne with no interest payment for 18month. I KNOW they wouldn't rip me off like CareCredit. Please stay away from these liers. Bad, bad, bad...

This is not a scam. Like most banks who lend money, you have to pay loan off by end date, or there is usually a stiff penalty. That's one of ways banks make money, and they generally are not happy if you don't pay it off on time, honoring your agreement with them. This is one way you get good credit and are deemed responsible. Most all credit cards are backed by banks and you have to stick with your agreement with them, or you are penalized; by late payment fees, for example.
With no interest promotion credit cards there are strict rules about how card is no longer interest free if you don't pay in full by promotion end date and they tell you clearly that this is the deal, All your accrued interest will be added to your principal if not paid off by promo end. I always pay in full a few weeks before promo ends and send the last payment with a return receipt so i have evidence that i paid it off on time.

Unfortunately these promotional cards work better for people who don't really need the loan, but want to leverage their money with a no interest loan. If you are sometimes short on funds you would do better paying monthly interest on a card where the minimum payment will be less and so will the interest if you can't make a payment on time. But for cards that have no interest promotions, the rules are the same for all of them. It's not a scam, it's just the way business works.

Always a bargain shopper, I thought it would take advantage of no interest for my Lab's extensive vet bills two years ago. I paid the balance off in the allotted time (Woo Woo). I figured it would be a great card to have since I'm in animal rescue and continually need vet care. But when the new card came in recently and my favorite vet's assistant couldn't get my card to work; I contacted the number on my card. A nasty, condescending customer service representative got me so upset that I paid off the small balance and cancelled the card on the spot.

This company along with Synchrony Bank is maliciously deceptive. Initially they offer an interest free loan. However, my experience was 3/4 of the way through they changed the interest free period from 24 months to 18 months. After calling customer service to try to rectify the time frame to no avail, I opted to pay the principle balance due in full ($2,000). Shortly thereafter I received a bill totaling approx. $4,600. For interest due and they actually applied my $2,000 payment in full toward the $4,600 "interest" due amount! I made every payment "on time" beforehand and the amount of the initial loan was $7,600. They charged 26% interest on the original loan amount! I have written to all parties concerned but have not heard from Care Credit nor Synchrony Bank to date. I will take further legal action. Consumer BEWARE!

I contacted the customer service and asked if they would provide me with few more weeks to pay off my card and asked if they would hold off on charging me $1000 worth of interest for a few weeks, the customer service rep (Joy) was very rude and said no. This was a promotion. Well they lie because that's not a promotion. They should not have charged me $1000 a month prior the one year 0 interest was over. The rep was rude and when I asked to speak to her supervisor, she placed me on hold and then disconnected the call. WORST Service... Never again am I going to use this type of a card with this company.

I have had a care credit card for over 2 years to pay for medical expenses. I always pay over the minimum payment and have been meticulous about paying the promotional balance on time so not to incur any interest payments. A couple of months ago they sent me a new card in the mail. I thought it was just a replacement for my old card, but I began to see interest charges on the account. Surprise! The new card was a Care Credit Card, but they switched me to a CareCredit Mastercard which now had interest charges on new purchases. I waited on the phone for over an hour to get an account representative. He was of no help at all. He said when I started to use the new card, they cancelled my original account and now I had to pay interest. PLEASE BEWARE if they send you a new card in the mail. I am going to pay my balance and I'm done. Scammers!

I received my card a year ago. I received a letter today cancelling my account for " Inactivity". I'm having surgery in August and had planned on using my card for a portion of my bill. Spoke with Customer Service and was told to re-apply. When I voiced my concern about my credit report showing an account closed than re-opened, I was told by the representative that I should have used my card sooner! I will NOT be re-applying, I will stick to my MC or Visa.

Absolutely horrendous service. I had spoken to three representatives in order to ensure that I was going to make monthly payments on my balance. Instead CareCredit decided to pull out the remaining balance all at once. IT WAS UNSOLICITED AND WITHOUT NOTICE. After this enormous mistake, clear deception, and unacceptable decision, the customer service was insulting. The passive aggressive insinuation of being an uninformed customer as well as a liar was something I have never experienced in my lifetime. I canceled the card immediately after paying the money considering they were filibustering the entire conversation and finding endless excuses. After this the tone of the agent decreased afraid of the money they would lose. It is unbelievable how the actions toward a customer is so noticeably money motivated. The words used in this review seem exaggerated and extra, but in fact it's sad how true this review is. I warn people of the fluff reviews on this website as well as others.

Almost all of the reviews I have read about CareCredit are complaints from people who do not understand how promotional rates work and never bothered to read the information mailed to them.

I first heard of CareCredit through Synchrony Bank when my dog needed surgery. I applied for and received the credit within minutes, right there in the vet's office. When the card came, I read over the information and made sure I paid it off within the time frame we had agreed upon. The payment amount on your bill is the MINIMUM payment required. How someone cannot figure out for themselves how much to pay is beyond me. If you have a 12 month promotional rate, divide the total balance by 12 and pay that amount each month. It's really very simple. People don't want to put any effort into understanding their personal responsibility in matters, and want to blame others for their own laziness.

Last Christmas, I also applied for an Amazon Store Card through Synchrony Bank. I got a promotional rate that worked just like CareCredit. I received an email today warning me that my promotional period would expire next month, so I know I need to pay it off. You see, if you pay online, you can go into your account and allocate how much of your payment goes to the promotional rate and how much goes to other balances. You can set up alerts to remind you when promotional rates expire - lots of things.

So, thank you, Synchrony Bank, for all the interest-free loans! Or perhaps I should be thanking all the one-star reviewers who end up paying all the interest because they couldn't be bothered to take care of their own business. Without people like you paying all that interest, the bank would be out of business!