CareCredit

I have used care credit for a couple years now, never late on my payments. Never missed a payment. Had a credit for over $1000, they dropped my available credit down to $200 because my credit score has dropped. Who does this too their customers? It's disappointing, now I can't take my dog to the vet? I will never recommend this company to anyone ever again. This is how they treat loyal customers. Not very smart business practice in my opinion.

Very poor customer service. Issues you call about are never resolved. I disputed the same charge 4 times because they would not complete the investigation properly. The representatives are incompetents and difficult to understand. They deliberately disconnect the calls because they don't want to help or hope will go away. Sychrony Bank offers terrible business services. Stay away as you will not receive good customer service and not worth the headaches when needing assistance.

Soon as I paid the card down. They lowered my limit without a notice. The interest fees are crazy and the reps say whatever to get a payment. You will be paying this card off forever to not get any usage from it, I wouldnt recommend this card to anyone for anything, unless it's your last result. If could have given this rating no stars I wouldve its the worst company ever to get a credit card from.

After 5 years of a credit limit of $500 i paid my care credit limit total without closing the account. Which was a total of $380.93. Later that month after making that payment, they not only took my payment, but they DROPPED MY CREDIT LIMIT FROM $500 TO $250! How dare they do that to me after i just paid it in full! Now they can cancel my card. I am done and will never in life use them again. My family is furious how they did me and they are closing their accounts with them too. They will treat you like $#*! and take your money! All they have to say is "terms and conditions"! Get a better credit card. DO NOT GO WITH CARE CREDIT!

Aspen Dental tells you in a little room it's great. They submit my info and was approved $4000. They tried immediately to get me to buy $120 toothbrush and get teeth alignment system on my 1st visit. Aspen and care credit are in a dirty business relationship. Because as soon as I said no to both. Personality changed and after 4months of not maxing out my limit with care credit the cut me down over time to $500 credit limit. My credit hadn't changed. I just wasn't maxing it out like they wanted me to. I wanted to save my credit line for emergency dental procedures. That wasn't acceptable to Aspen or Care Credit. I'm paying the balance and closing the account it's criminal what they did to me.

If I could give it 0 stars I would. Stay away fromj these people. I reported them to FTC, Dept of Consumer Affairs & Better Business Bureau. Before I applied for their card, I phoned them and talked with Maey, Customer Service Rep. She assured me it wojuld be a "soft inquiry." It wasnt. She lied & I recorded the conversation (smart me). Within 5 minutes of applying, I was notified by all 3 credit agencies & 2 credit cards I hold that a "hard inquiry" was made on my credit. My credit score went down by 5 points because of the "hard inquiry." BEWARE of fraudulent, unethical people like these folks.

The company closed my account after I called and explained to them. That I misplace my care credit card. I called and spoke to one of their representatives and the woman assured me that they were replacing the card with another one with the same information and nothing changing. The next morning my wife had to go and see a dentist and my wife had to pay $300.00. I had the account information to use until my new card arrived. However, it was an embarrassment for my wife because the account rejected payments. My wife came home and I called Care Credit to only learn that they had closed my account after the fact, due to a review of my credit score dropping to 625 among a few other things.
I will never apply for a care card again. I am glad that I am free from this company and that I do not owe them anything. I would not recommend any person to sign up for a care credit card. They also charged high interest fees after their so-called promotion so, please be careful not to get caught up in their scheme. Guess what three days later I received the new card. I destroyed it.

I've been dealing with Care Credit for a few years. I've always paid on time, ahead of time (every 2 weeks) to avoid interest charges! My last statement I paid the bill in full ($192.00) before the 1st of the month (due date). I didn't think about CareCredit again because my statement reflected a "0 balance!" A few months later, when I checked my credit score, it dropped from over 800 to 696! Care Credit charged me interest on a zero balance! I called and the customer service Rep that I spoke to could not explain why I was charged interest on a zero balance; 🤔 and why was the interest reported as a missed payment(s)! She avoided the question, or she didn't understand, nor did she want to understand! I'm outraged, especially after reading the reviews. This appears to be their M.O.

Do not recommend! I used care credit for my dogs cancer treatment. I made a payment of 6k so we could have enough to pay for her remaining treatments. We were told it would take 48 hours to post. My account shows the payment was made but they won't give the credit for another 8 days! I need this to pay for my dogs treatments and I can't use it. If I had known, I wouldn't have made the full payment so I would have enough money to cover. Shame on you care credit! You have my payment and I should have plenty of funds on the card to cover her next treatments but they won't provide it. Will never use again.

Dishonest. Total lack of transparency. Customer service will literally laugh at you once the fine print lines up and they've got you. Please be careful. They are taking advantage of desperate people.

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.

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

These people bald face lie to you they do not notifiy of any payment isues in a timely fashion they wil drop credit limit or cancel if acount is iunactive for a short lwenghth of tgime they pul credit reports without authoriuzation

Hello, I had to have some medical bills covered and saw this advertised at the Dr's office. I applied and was approved for the procedure's amount, with a zero -interest promotion for 1 year. Great, I felt safe. I set up automatic payments and never missed one of the 433 monthly payments. 5 months in I am getting all these credit alerts and low and behold, they charged me all the interest, around 2400, and that put me over my limit, so boom it shows I'm a dink and my regular credit card companies all increased my interest rate and one actually dropped me. That one had a zero balance. My credit score used to be close to 800, now I'm not even 6. I quickly paid the negative amount on the carecredit account, about killed me, and thought that I would be okay, NOPE. Now the interest rate is even higher with them and the monthly interest charges are 322.25. Sooooooo you can not get ahead with them, they ruin your credit score and horribly charge you interest on medical bills. I couldn't have just taken out a 14k, with my bank and had their set payments, and I'd be fine... Do NOT trust this shameful company, you will not be safe paying your medical or dental bills. I am so buggered.

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.

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

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.

CareCredit was helpful when I had an emergency vet bill. I went to pay off my remaining balance today and noticed they changed my credit limit from $2,500.00 to $250.00. I was told they sent me a letter which I have never received. Thank goodness I didn't have to rely on that credit line not knowing about the change. I went ahead and cancelled my card. Not worth having an unreliable credit line open that might mess up my credit score. Buyer beware. There are a lot of hidden rules with this card you have to hunt to find or just find out the hard way.

Even if you're a customer, there's no way to get human. Call center keeps re-routing you around in a circle with this annoyingly cheerful voice. Finally got human by simply not responding to all the wheedling.
O/W, I'm happy w/ the online card service.

Mostly looks like the negative reviews are from people who don't read their contracts before signing. I haven't even used it yet and I know that interest will be backdated if I fail to pay the balance in the promotional period. There is literally no way to remotely claim that this is kept a secret. It's in plain English multiple times when you're signing up. Act like adults and pay your commitments or pay the consequences.

Counting credit inquires and then lowering the person's score is just another way to justify higher interest rates for credit. It should not matter, if the person did not take on any new credit. 14 credit inquires shopping for a used car, did not buy a car, score dropped 100 points. It took a week for my score to get back the lost 100 points with the assistance of a credit expert (c y b e r h a c k 0 0 *******@gmail C O m) whom i contact via email and we also talk on phone too (*******817) after a lot of good remark about his service on every credit website. He helped me clear all the inquiries within a couple of days and increase my credit score with 150 points this is totally incredible. He finally advice me that Next time I should tell the dealer only to run one inquire, period, they know it affects your score, but do not give a crap. Or if your interest rate is higher, they get a bigger kickback, for the loan

I have used Care Credit for several years. It has worked out well enough unless I have a problem and need to speak to someone. No email option, either. The interest is high, but we knew that at the beginning. We pay off the balance as soon as possible. For the past many months, I would say over a year, their website has been a mess. Inefficient. Non-functional. Does not get payments posted and it's a roll of the dice to try to get logged in most of the time. I called to ask about it, and the best response was that I should change my password (?). Not something I want to go through every time I try to log in. IF I can ever get logged back in today, I am going to pay off the entire balance and close this account. It's too much of a nightmare every single time I want to log in. I have no trouble with the websites for my other credit cards and online accounts.

First I had no complaints then I find a $25 charge on my bill. I called come to find out they charged a late fee. Whenever I get the bill I mail in a check the next day. With this mail like it is I think Care Credit should check the postage date to see when it reached the post office and got stamped. They dismissed the $25 for me. I was so unhappy cause of this but I had to use it again. I only have six months to pay it off unless I divide my bill by 6 and pay more I will be charged interest. Care Credit never charges me the right amount each month. Had I not caught this I would hav been paying interest.