CareCredit

The amount of the treatment plan at the Chiropractic Office was approved by Care Credit which is offered by Synchrony Bank. The full amount went directly to the Chiropractor and I was not allowed to see the individual cost of each treatment given. After 5 months of trying, I got a statement of the very high costs, which were very high, and one was bogus. I disputed the costs to Synchrony Bank, who offers Care Credit, but was ignored. Just be wary. Check out the individual costs of their treatment plan and demand a monthly accounting, showing your payments to Synchrony. Synchrony's website says statements are available but when you go to "Statements" you get the latest promotions. Neither Synchrony Bank, nor Care Credit is user friendly nor are their websites user friendly.

It will be cheaper to get a lawyer then continue paying this care credit account. It is ridiculous! I called today to check my balance and the supervisor lied to me and said she would fix my account and she didn't. No where does it say that I have to call and let them know that my payment needs to be accredited to a specific purchase I made. I have already paid them way more than I should off. And to top it off they messed up my credit. I will sue them

I liked the card for awhile and they even upped my limitwithout my asking and sent me a new card. Im pretty good at paying balances down to avoid interest, which they charged to me a few times when they shouldn't have. I called them out and they reversed the funds. At one point I got a new account number for direct deposit, changed it with them via customer service and online. They then drew it from the wrong account even after the change. Giving me a late charge and reversing the payment. Even when they did have the right account something t happened where then the payment was reversed…. Which is why they cancelled my account. Funny this hasn't happened with any other cc account in my entire adult life, which is a bit. With inaccurate interest charges, late fees due to their clerical errors, and often times messing up the bonus point amount…. It's really not worth the trouble. Find a different cc, many give points these days and other perks. So not reapplying

All the bad reviews are true. I got scam in a dentist office, they lured me to get the credit card to pay for my dentist treatment with interest free for 2 years but it happened they set up my account in order I couldn't paid everything in the time stipulated. I trust them and put everything in autopayment. I ended up paying more than $1000 in interest without failing to pay one single month for a treatment that cost me less than $2000. I haven't been able to access all my statements. They continue sending me pdf statements that show errors and are not possible to be opened.
Their customer services is horrible. In my last call a rooster crowed in the background every 30 seconds and the conversations was impossible. The representative never apologies and decided to hang up instead.

Syncrony bank is ridiculous because if you own money on real estate or other credit card they will close you down, you have to have a real low amount on other credit cards in order for them not to close your account. I've never been late with them or with any of my other accounts but they still closed my account. This is not fair. I've always made sure never to be late and have other accounts that have been closed in the past as well because I owe other credit card. No one has a high credit score in this part of the state and everyone owes money on all their accounts especially because of this pandemic. Now that i need them they fail me.

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.

Worst credit card company ever. I have had Care Credit for more than 5 years and have never paid late but they decreased my credit line twice. I have recently been through a terrible divorce that affected my credit and I have been working diligently to fix it and had come so far when for no reason they decreased my credit again causing an negative on my report and now preventing me from getting a home equity loan. I called the company and they said they would look into but because they make adjustments based on the credit report chances are they will not readjusted my credit line. I do not understand how they can not look at the whole picture and see my loyalty to the company and payment history. I also have no idea how BBB can possibly give them an A+ rating. The care nothing for their loyal customers.

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.

The WORST customer service in any industry I have ever dealt with! My mother paid off her balance owed and they closed her account without her notice that was several years old and always in good standing! Then, I called to adjust my payment due date and every single person I asked to speak to gave me the same script stating they cannot accommodate my request for the current billing cycle. Funny though, every single other credit company and bank were able to adjust the due date that reflected the current billing cycle when I called before that date. They were all extremely rude to me and made no attempts to provide any respectful customer service in any way. This company is the worst I have ever dealt with and would recommend to anyone to NEVER waste your time with them EVER!

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

Beware! Please read the fine print before using this Care credit card. They will NOT allow balance transfers. If you decide to get a lower interest rate card or 0 interest rate thinking you can transfer the balance, you realize care credit is the worst of the worst for not allowing you to transfer their high interest rate balance.

Very frustrating not being able to use your app when you have multiple purchases through different places on your carecredit account. You can't go on your app and choose which purchase you want to pay towards, instead you have to call them and request for it to come off of a specific purchase and even then it comes off of another purchase and it takes forever for it to reverse and actually come off the purchase you requested. They need to fix this app to where you can choose which purchase you would like to pay towards when you have multiple purchases. Very frustrating to always have to call carecredit and it still doesn't come off the purchase that you requested for weeks. FIX THIS APP!

Based on points, I was entitled to gift cards. Ordered a $25 one from Bath and Body Works.

Didn't realize it was en egift card until I called Care Credit customer service. So, it was emailed to me, and I inadvertently deleted it. Here's where the fun begins. Called to find out what happened, and was told that they'd reissue it, it'll take 24 hours. They also told me to be sure to check my junk and spam folders. No card, it's been days. Call AGAIN. Got someone in another country. She was HORRIBLE. She hung up on me as I was explaining my situation. Called a THIRD time. Got someone in another country. This guy FINALLY explained that I'd get my egift card, there's no penalty, and I'm all set. Had these idiots told me that in the first place, it would have been a LOT better, and smarter. Less aggravation. Would NEVER recommend Care Credit to anyone, in fact, I intend to write this review in Google and Yelp. There are better cards out there, with MUCH better customer service

Open an account somewhere else, get additional credit on a credit card, get a small line of credit, do anything but don't use them. They are leeches. They will rip you off. Once the interest rate kicks in after your supposed "promotional" period, it will be sky high. Currently, it's at 26.99%. READ Everything on your statement. Figure out how much it will cost you to pay only the minimum due over the time allotted, then figure out if how much more you will have to pay over and above that amount to escape the charges due when the interest rate kicks in. Really. Go elsewhere. I am paying off the balance in full so they don't get to make a penny on me. I am also closing my TJMaxx credit card which is also through Syncrony bank.

My "special" offer from the provider was pay off in 12 months with no interest or 24 months low interest.
I called care credit and asked if I selected 24 months but paid it off within 12 months if the interest was going to kick day 1 or month 13. I was told month 13.
Well, guess what? I was day 1.
I called and tried to escalate the issue. Asked for a copy of the recorded call, and 1. They can't do anything about. 2. cannot give me a copy of the recording.
All they can do is train the representative.

I made my purchase based on the information I was given and now I have a much bigger bill than I expected