CareCredit

Mysterious charges occur of hundreds of dollars above the original amount during the promotional period. Customer service does not help or address the issue. All you ever hear is we will look into it and send you a letter. A letter that never comes. Somehow they do manage to drop your credit score. Most of their customer service is from another country. Worst credit company ever. The Attorney General really needs to investigate them.

I've had numerous negative experiences with Care Credit in the past, but my most recent one was the final straw. I once had a limit in the thousands on the card; no notification from them that they were reducing said limit. When attempting to purchase new glasses I was shocked to discover that my total limit was a mere $280. In my entire life I have never had such thing happen to me with any card I've owned, so this insult just blew me away. I intend to pay off this card and cancel it once and for all. An absolute disgrace.

My husband and I applied for a Care credit account to finance our cat's dental surgery since we are still paying off our late dog's MRI. None of their reps would tell us how it works. My husband, a finance guy for 40 years, refused to believe the vet set the promotions. We spoke to a care credit manager from India with the name John (telltale sign right there) who promised to help walk our vet desk through the 60 month free financing the day of the surgery. We even recorded this since he was on speaker. Only to find when we called after the surgery that the call was not even noted. I will pay this off before they get a penny of my money and close this account. Shameful

I made arrangements with this company to pay. Paid all of it and now they are hounding me for the rest of the money which was total interest.
Their foreign language people they have are disgusting.
I had a bad heart attack and talking to these people make my heart race so bad. I'm trying to get by on very little and they get their jollies out of upsetting people.
I paid for 9 years.
Don't even use this company.

I am extremely disappointed in this company. I've had a CareCredit card for years and have always paid MORE than the minimum. The one time I miss a payment, which was a misunderstanding that I tried to explain to them, they close my account and consider it delinquent and past due. There's nothing I can do about it even though I have re-scheduled the payment, and it was my first time. They said I cannot reopen or reapply until I've paid the balance. I will never open an account with them again. Horrible ethics. Sh!t customer service. Never again.

My daughter took a care credit out for my dog who needed emergency surgery or would have died. I have been paying the monthly payment only to find out her bill has gone up not down. They charge 45.00 mth interest if the bill is not paid off in full. Should have read the reviews first but it was an emergency and didn't think about it. I would never recommend care credit to anyone! Plz read reviews on it, it should be illegal what they are doing to consumers! Her limit was 2000 something and it's now 3100, after paying monthly payments. There are many many reviews I found on it that has done the same thing to other consumers!

I have been a customer for years. My card carries a small balance of $1200 on what was a $6000 available credit limit until yesterday. I have never received a negative reporting from this company and made all my payments as agreed. They decided to lower my credit limit to $1300 with a $1200 balance dropping my credit score by 13 points. This is horrible business to someone who has paid them well for over 5 years. I will be taking my business elsewhere Care Credit/Synchrony Bank. You should treat your customers better. Shame on you.

Don't get sucked into this. I have been paying on time for over a year and they have not once reduced what I owe. When I first signed up they stated as long as I paid on time the debt would be paid off in 1.5 years. Obviously that is NOT true. I will tell anybody who is thinking about using this to look into different options. These people are scam artists.

Money grabbing bank run by bots algos and AI. No live representative avaiable. People hard working money is not in value for this printers.

I made a payment to my care credit acct and it said in writing that it would post that day. They lied. It takes 24-48 hours to post. When I called they told me it's written somewhere in the policy. Ok. Then why say something contradicting on payment page? Never trust credit card companies. Theyre all liars

Payments on time but missed cutoff by 4 days and charged $5000 interest on ******* loan 29% how do you sleep at night. You are screwing customers that are looking for a little short term help and you double thier payoff? At minimum payment it would take 23 years to payoff

I had a credit limit of $6000 that I got in April 25,2023. They gave me 60 months to pay. I already paid $3000 as of December 2023. They then ran another credit check on me and said I didn't have enough high balance on my report. They dropped my limit to $3270 which now looks like I used 100% of $3270 which dropped my credit score-59 points. I reported them to the BBB.

5 Crowns in Mexico, 1K on carecredit, no promotional purchase for you as it's a foreign transaction. Big FU to carecredit. Wife had a hip replacement, my end was $7K, no promotional deal for you. 29.99% interest. F'ing pirates, I'm paying it off and closing the account. I get a better deal through paypal credit.

Every time I call CareCredit support, they never assist or help, if you forget to make one payment, they will not reimburse you or even want to help you. When you have questions regarding your bill, they just give you the runaround.
They are rude and I've called a few times to talk to different people no one ever helps.
The interest is off the roof never forget to pay it before your promotion ends. Otherwise you're screwed.
Never again will I used this credit card.

My bill keeps going higher even though I make my payments. You cannot bring the amount down if they charge you more each month than what you pay. 100% a ripoff and NEVER get this card.

Get the balance, make payments arrangements to be done with payments before the time allotted. Payments aren't coming out, then the weekend before my birthday, the entire balance is taken. Chat with the reps (I had to speak to three of them.) that LIE and say I chose "statement balance". I did not, in order to to make these payment arrangements you have to choose "different amount" for the one-time payment and "other amount " for auto-pay to enter in the amount you want to be deducted. I ask can this be deposited back into my account, no, the check takes 2-3 weeks to get to me. Most people are paid bi-weekly, and this payment can take over a pay-period to receive. Your account for Care Credit has little info on it. They don't record payments due to be taken out. There's no confirmation of the refund check. The first rep didn't even process the refund,they said they would and that this refund will have the minimum payment amount deducted from it. I had to speak to the second one who immediately ended the chat without answering how the refund would have confirmation, they said this would be a full refund. Does this mean I will be hit with a late payment fee? Then the third rep was also in a hurry but I got the answer, the only confirmation is the verbal or written communication in chat, there does not seem to be an option for a transcript of the chat. This is a large payment that takes over a week to receive with no clear tracking or written guarantee. The payment was categorized under "other payment NA" and not "statement balance " like the representatives communicated. I am very unsure and uncomfortable with this incident. I will be contacting the Consumer Financial Protection Bureau as I see customer satisfaction or record keeping since their 2013 lawsuit has not been a priority.

Just be warned. I paid off every charge I made with them on time and before promotional dead line! I had it for several years. Then my credit score drops a bit because of an issue not related to them. So they cancel my card and I go to use it for my dog emergency and I can't. No letter or e-mail telling me this at all. Don't use Care Credit go another way if you can. I wish I could give them a zero!

They closed my account after taking my payment out of the wrong bank account twice. I told them to close the account after they did it the 1st time but they did it again. I made the payment immediately both times with my other account on file but they closed my account anyway. Very unfair since it was their mistake

This "company" stinks! We got CareCrecit for one of our dogs, who we had to let go over the Rainbow Bridge. Had a $1,800 CL, which is what we needed. Been making regular payments, was late ONE DAY on one payment and went to make a payment today and they cut the CL by half! This company is nothing but a greedy POS! We had an emergency with our other dog and that card came in handy, but now they just suck!

I wish I could give 0 stars the worst payment arrangement that you can ever get into I would never do this again.
DONT DO IT RUN 🏃‍ Biggest ripoff since payday loans!

They are awful! You can make your payments on time and your balance never goes down how they get you is the promotional deal if you don't pay that promotional deal off within their time frame, they will tack on the interest and depending on how much you owe it could be 1,000 or more! Big time scam Please make sure you read the fine print.

They give you credit and you use it (cause you need medical help) and then after that they REDUCE the amount you were approved out of the blue for to make you over your balance. Get a credit card you'll get better rates and better service. I wish I could go back. I will never use this scam of a company again. The US should be ashamed they allow these practices to even take place legally.

Only credit card I have over had where the lower available credit for no reason. Always paid on time. Account closed now thank goodness.