CareCreditReviews 848

Hindsight is everything! I financed through this company and got a botched procedure that cost me $7000 financed. I had to pay over $10,000 to have it fixed because Care Credit would not help me with the dispute. I believe that doctors that take care credit are crooks. It is not like a Visa or Mastercard where they stand buy their consumers. I have spent hours and dollars trying to reach a compromise and this company will not stand by their consumers but will be quick to collect a fee. STAY AWAY!

Current customer had my account over 1 year all payments on time all current account in good standings applied for joint account with my wife they excluded her info have me account refused to add her to my account said I'd have to reapply and then wouldn't even increase my credit limit when I was told after making on time payments for so long they automatically review your account for increases outrageous interest rate suppose to help you build credit garbage we will be paying our last 2 payments and getting rid of this crap card stay away from these people

FYI, I reviewed statements from 2012 - today. Their practices are or should be against the law! I spoke to a CRep/female 2x on same day..., that attitude? I'm not sure how she got away with it, telling me conflicting stories until I finally spoke to a Manager? Well, in my opinion it's not a solution, to defer the amount 30 more days when another one is due yet the whole time my two year long promotions, with an amount that doesn't qualify for two years ( I read their policy) and is minimal has been paid off in whole just about. Trickery. Only two prior to promotional ending payments are used to pay down the relevant promotion. They didn't even do that. I went back to last year, when the two were the only ones on statements. History shows, in other years too, that I was almost done paying when emergency vet service was needed. So, since adding that onto account they just take money of a balance which is low, use it elsewhere! And we, the card holders are the dummies. Somebody had gotten up earlier, not me! I'll recalculate the last two years, and each discrepancy will be brought to light... Under GE Capital I NEVER had these problems. Everyone taken for a ride... submit a clam to FTC, the consumer protection unit. The more the merrier. CARE CREDIT counts on folks not paying attention to their moving $$ around. Please be super vigilant! We have rights too and don't need nor want to be lied too! Thank you. - only gave a Star Bc I had to... Star - not for their greatness!

They opened two accounts for me and one was NOT authorized. I had to spend an extreme amount of time closing the account and getting it removed from my credit report with TONS of phone calls to them. They told me twice they would take care of it and yet I had to call a third time to finally get them to remove it from my credit report. It took four months to get it resolved and it was all because they opened an account without my permission. Which their telephone system is horrible. At the beginning of each call they say you can do a survey at the end of the call, but I never once did I get pumped to the survey and when I asked the representative to transfer me to the survey she hung up. I tried to view and print a statement from my online account and you CAN'T. I have never had an account with any creditor that you couldn't print your statement or view it online. Do your home work before using this credit card. I'm refinancing this credit card and will never recommend them to anyone.

I called to retrieve my account number for paperless management. The first representative I spoke to was rude and condescending and lied to me about the abilities of her department. She claimed that her system was down and she was unable to look up my account at all, and then immediately afterward said that she didn't have the authority to look up my account. When I asked to speak to a supervisor, she tried to dissuade me by saying that the supervisor would say the same thing. I explained to her that I didn't care and wanted to speak to one anyway. She placed me on a silent hold and then came back and claimed she could not find a supervisor and then continued to repeat the things she'd already said. I repeated my request for a supervisor which she outright fought me on (what CUSTOMER SERVICE representative fights with customers?) and I insisted on still speaking with her supervisor. I reminded her that she is in the business of customer service and that I am the customer and the customer is always right. Eventually she backed down and actually put me on hold (with music this time) and another woman with the exact same voice came on the line, repeated the same things as the "previous" representative, became irate when I accused the "previous" representative of being rude and lying to me, and then hung up on me.

Stay far, FAR away from this company. If they treat customers with $0 balances this poorly, I cannot possibly imagine how they treat customers who carry balances. I still don't have my account number and no access to my account whatsoever. I cannot find my card and truth be told I'm actually afraid to order a new one. I just want the account closed and out of this nightmare that is CareCredit.

We had the card a few months, paid double payments. Then did some consolidation and paid our almost $900.00 bill off completely... or so we thought. Three months later we received a bill stating we owed $39.90. I called immediately asking get what's this, the response I got was we had an outstanding balance after the big payoff and this was interest for the past three months. When I asked what the balance was all I got was a broken English runaround and this "customer service" representative became nasty stating why didn't you pay your bill for three months. He stated he would take care of it after some nastiness from me. Three months after that I went to use the card for am emergency vet bill, and it was declined. The vets receptionist called, after the representative was rude to her, she spoke to me and told me I was not an authorized card user. I informed yes I am, I have been since the beginning. Still she would not speak to me so I left vet bills in tow. When home my husband called in which he was informed we had a $190.00 outstanding balance, but if paid today he could use the card. My husband has hearing difficulties and could not understand the representative and asked to please speak with someone who spoke clearer english. The representative became only what I can guess was offended and started yelling at my husband, who then hung up and called back. The same representative answered the phone and my husband demanded to speak with someone else. A twenty minute hold later he is connected to another heavily accented rep, who he could understand a bit better. He stated we had not made a payment in six months, my husband completely fed up says fine then if I pay this amount will my card be usable again (with no intention to use it he was going good to close the account after he paid it). This rep, says no the account was closed yesterday. Then my husband states very well, I need a letter stating that sent to me and a final payoff along with detailed charges so this can be resolved. The representative refused stating my husband needed to pay this today over the phone. When my husband said why did the other guy say if I paid today I could use my card the rep hung up on him... crooks, absolutely bullies and crooks. That detailed statement has yet to be received by us. Our losses cut and lesson learned the card is now canceled and paid in full... I hope.

Care Credit users beware! Interest at 26.99% & $25-$39 late fees charged! Check your statement's due date & charges carefully!

For convenience I used Care Credit for a dentistry bill. All went fine with my automatic monthly payment through my bank. No interest, no late fees. After it was paid I again used it for husband's new glasses. I set up a similar payment schedule for the glasses, same date with different monthly amount, of course. On a fixed income, automatic payments are a must for me.

I was unaware that, unlike normal credit cards, the payment date did not remain the same & had changed to 4 days before I had scheduled the automatic payments. I received no late payment notices, but over a 6 month period I was charged $158 in late fees! The initial statement for the glasses included a $55 payment that was not even due till the next month! Yet they are saying that the early $55 payment does not count as payment for the next month. That amount was over twice the minimum payment amount, but all that gets me is a "thank you".

Yes, I should have looked carefully at the statements that were emailed to me, but I was thinking "Credit card - same pay date - all set up with my bank" & just skimmed over the statements. I did not check the statements until I saw that their balance was much different than mine. I called them & was able to have the outstanding balance waived & set to zero, but that did not cover all of the late charges. They will not refund me nearly $70 in over payments.

Just a warning for other Care Credit card users.

My sister needs some dental work & her dentist gave her some information about Care Credit & told her to apply for the card to pay for her dental expenses. She asked me to give her my thoughts about Care Credit. I never heard about Care Credit but I am horrified with all of the bad reviews on Care Credit. This company sounds like a nightmare to deal with & it sounds like they can do major damage to someone's credit score. I don't think I will tell my sister to apply for Care Credit based on such poor reviews!

May 15,2015 I placed $2,000.00 on my Care Credit card. They have been pleasant to work with. I have read the other reviews on here and have had the completely opposite experience with this company. My credit plan was 0% financing for 12 months (0% APR if paid off before the 12 months. After 12 months it would increase to 26%). I understood the loan that I had signed up. The woman that helped me establish the account was wonderful over the phone. I applied a week ahead of when I had to pay at the office and was given a $4,500.00 balance. I then used the card and it went as smoothly as other credit cards. The charge was on the account within 24 hours and the next statement started in the beginning of June. I could make a payment online, over the phone, or through the mail by sending in a check. I preferred to pay online and the statements showed up each month under the statement tab. I have only called twice and both times if I had any questions the automated system would ask me what I was calling about and then I would say my question and ask for a representative. It would roughly take top 5-10 minutes to get a person on the other line. They would ask a few verifying questions and then I would be able to ask my question. I have also used the CHAT online and I find it easier to get to the point and answer. I will use this loan company in the future. I paid off the credit of $2000. 00 in the beginning of August and have received a conformation letter. I did request this through the online CHAT. I have not had a bad experience and if you might have issues with credit or a loan this might not be a great card. They give you a few choices for the loan, different APR's for the length of months, and the monthly balances change on length of credit. CareCredit was a great card to use because my regular credit company would have charged interest on the 2 months it took to pay off. Thank you CareCredit for the great experience!

Synchrony bank has some of the worst customer service I have ever encountered. They will charge you interested at the very end of your billing, it's not 0%. If you miss a payment you will be paying 27% for just the one month on top of late fees. Consider yourself lucky to be reading this. I am 20 years old and took advice from my father who signed me up for the card. I was so buried in debt and ended up paying way more for my dental bills because of this horrible business. It's a scam, stay away!

In 2006, I struck out on my own financially at the age of 22 and quickly encountered a medical condition that necessitated a Care Credit card (my first credit card, in fact). At the time, the bill totaled about $3,500 and I made regular payments as I could. Over time, as Care Credit changed hands from GE Money to Synchrony Bank, interest rose and I could not keep up with payments. After 7 years, the debt dropped off my credit report in accordance with California statue of limitations on debt. Just this June 2015 (9 1/2 years after I first opened the card), Synchrony Bank decided to engage in a lawsuit against me to obtain **$9,600** to include interest accrued over the course of 9 years. Without the means or funds to fight this, they garnished a working capital business loan that had just been deposited into my SAVINGS ACCOUNT to help my current retail shop stay open. They were merciless when I explained the situation, as I cited again that this was a nearly 10-year old balance, past the statue of limitations of debt collection. THey said I could pay in 2 installments instead, starting that day, but wouldn't release the $9,600 garnished until this was done, essentially forcing me to come up with an ADDITIONAL $9,600 to cover the balance before MY MONEY was returned to me. This is effectively putting me out of business and I absolutely cannot believe a credit card company is permitted to take these measures when the economy is so tenuous and people's livleihoods are at stake.