CareCredit

I called care credit to get support on my accrued interest, because do to the pandemic I missed the deadline for the promotion. First person I spoke to was extremely rude, I could not hear her or understand her so I asked her to repeat the information and she yelled at me. I immediately asked to speak to someone else, whom appeared to be distracted and not giving me the attention I deserve as a customer. You could things were going on at what sounded like "her home.' The third agent I spoke to "Manager" was not able to help any better with the fees but at least he was polite.
Horrible horrible experience

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.

Joint application online for $4500 was not approved and website directed us to call *******927 to complete the application. Instead a $1500 account was opened by [phone] CSR Lana at that number before making either applicant aware. We were given the runaround by Lana & her supervisor, Matt (id *******), who refused to cancel the application, close the account or even provide us with our account number for reference.

Each CSR gave different information and the supervisor refused to even provide us with the account number or a specific means by which to cancel the account. We were simply given a couple 800 numbers and told to call in a day or two.

The $4500 amount was requested for dental work necessary for my 71-year-old mother. We feel this was a bait and switch tactic and that they are making it as difficult as possible (legal?) to cancel the account.

We simply want confirmation of our account being closed as soon as possible, with no charges, as promised by the supervisor.

Be careful if you need this card, they will automatically charge you Card Security charges & if you used this card for a large dollar amount the charges could be quite high every month. We have had the card a little over 3 months & were not aware they add these charges until I was questioning them from what I saw on the app. This seems highly illegal as I checked their website & the terms & conditions do not say anything about this card security crap. My husband had to call a few times to get this cancelled & have the charges reversed for which they replied that it would be reversed within 7-10 business days but it wouldn't show up for 1-2 billing periods in which time we will be charged that extra interest. I do not recommend using anything Synchrony Bank but if you have to like we did for 2 of our dogs then check the fine print when applying & also call immediately after to make sure you are not going to be charged for this BS card security crap.

CARECREDIT, this medical credit is a loan shark. Beware, they're sneaky, false advertisements, and they won't negotiate to pay off your credit nor remove any interest charges. They are not helping people but making them more in debt.

This company has told me so many lies. First I was told I had one year free interest, after 6 months they added $900 to my acct for interest and $120 every month after. My min payment is 119.00/month and I always pay $400-$500 monthly and my payment seems to never decrease. I have called several times and all I get is a bunch of rude, lying representatives.

They are horrible! They have been nothing but liars to me and my husband. Said no interest for 6 months if bI'll is completely paid in that time period... but they ended up charging us a crap load of interest. They're total liars.
When I tried to seek help for something very easy, such as accessing my account number, I had to deal with a robot over 'live chat' for over an hour that kept telling me the same BS stuff. Don't call it 'LIVE CHAT' when the people you're talking to, ARE NOT EVEN ALIVE!
Don't bother going this route. These people are very unethical, and it will be hell just trying to get some help!

June 9,2021 Account or Financial manager, Eric, could not refund my $10 that was removed from my bank on Feb. 16,2021. I gave him 2 days to refund the $10 and he said he could not do it until the 26th of June. I told him to reach out to his boss and let them know of this account and call me on my cell phone by Friday. If it doesn't happen, I will update this review on Monday June 14,2021 or no later than Tues.

This company is bottom of the barrel trash. They charge interest on top of interest! Once you finally "pay" them off. They close your account and completely trash your credit score! It is a very misleading company and I would NEVER recommend to anyone!

I open this card through my dental office. There was a promo going on to get a free Fitbit for new customers. They said we will get a code in 2 billing cycle to redeem a code but we never got anything. When I contacted them one of the representative said that offer already expired, I supposed to redeem a code by March 31st. My question was if I never got any code how I'm supposed to redeem? She was like umm I'm sorry but it already expired and she can't do anything about it. Seriously? Closing this account after paid off my balance. Big no to care credit

They have unclear terms. I paid faithfully double the minimum every month and somehow I would always owe extra.
I would talk to an agent but they couldn't understand me enough to help. So the issues never get resolved. ITs ridiculous I have paid almost twice as much as I borrowed on an interest free loan. Mind you I pay on time, double if not triple minimum.

That does not make sense.

I paid off my previously-maxed balance to $0 and ten calendar days later needed to use the card again for an emergency with my geriatric cat. You would think that, as soon as my payment processes, like almost all credit cards, I would then have that payment amount (or close to it) available, right?

Wrong. It takes 7-10 business days to update your available credit after you make a payment.

Today, I have an emergency that I need to use my card for and have $0 available even though I paid it off almost two weeks ago.

If this were for clothes, I'd think it was pretty crappy and shady.

But people use this for healthcare for them, their loved ones or a pet. This is a terrible, inhumane policy and I hope no one or their pet dies because of it.

I spoke with multiple people from this agency and they were all horrible to me. I have never had a late payment and I didn't know my ex was running up the charges. Heather from their department was unwilling to even hear me out or sympathize for me. Don't use this commpany.

It used to be if you paid a credit card company off, they viewed you as a valued customer. Not CareCredit. They reward you by closing your account and blame you. Anyone reading these reviews can see they are not a good credit company. I hope they go out of business.

Ok my experience with this credit company was awful! First yay I'm approved for a amount way under what i needed! Ok so i tell them no i don't wish to accept their loan. I'm already approved excuse me? I believe i should have the right as a consumer to chose if i wish to accept the terms. Nope not what i got so i tell the lady wish to cancel nope i had to WAIT 3 DAYS TO CANCEL! Are you kidding me!? Nope not at all plus it's on my credit! Oh and they wont let you speak to the supervisor horribly run company!

Worst customer service ever. The automated prompts sucks because it takes a couple sets of several prompts to even get to an option to speak to a live person. It took 20 minutes after that to get a live person on the phone. I had one simple question and after being on hold for 57 minutes, I have yet to get an answer because the representative hung up on me after waiting for a supervisor at my request. I simply wanted to know why my limit increased and I had not used my card since the 1st time over a year ago, he would not give me the information, he wanted me to go thru the trouble of logging onto my account and getting the exact dollar amount to verify when all he had to do was verify me by my personal information. I guess he got tired of waiting for Supervisor and hung up on me. I can't wait to pay off this card I will never use it again simply based on the terrible customer service.

I wish I had read the reviews before getting them to finance my lasik operation. The dr told me that it will be 24 months interest free financing I said great I'll apply for care credit and once I applied I notice on care credit for some reason there only giving me 6 months free interest. Long story short I gave customer services a call stating that I should have 24 months ANd not 6 months lady stated that no it's only 6 months unless you prove to us. I said the doctor even entered in the system that I receive 24 months interest free financing. Basically care credit said that there i no such thing as 24 months and that the dr needs to call us and prove to us it's 24 months. I wish I knew how shady this company is I will never do business with them again and i will inform my friends to stay away from them!

They have a bad system for verifying their own customers. The process has difficulty verifying their own customers. I felt they were rude and didn't want to help me. I still do not have access to my own account and had to unenroll from paperless to regular mail so that I can stay up to date with my account. I no longer wish to be a customer after many years. Be aware that this process include taking a 30 second video of yourself. This can be embarrassing for some people who don't feel comfortable with their methods.

I had this card no issues would use it when ever I went to the dentist all of the sudden because I used one of my credit cards more than normal you find me as a risk now you ruined my credit dropped my score by 28 points I did nothing wrong never late you guys should have legal papers against you and in jail

I took out the careCredit loan for an unexpected, high vet bill. I was working FT and had no trouble making payments. In fact, my monthly payments were $25 and yet I paid $75, every month. For over a year. I only owed about 150 more when my payment arrived, I was told, stamped " a few minutes after midnight" of the due date. It was holiday season and there had been storms, which likely delayed it. However, even tho i had paid 50 dollrs OVER the amount due for more than a year, I was charged a $75 late fee. I refused to pay it and went up up up the ladder, where the final person said, ok, and don't use care credit again. Oh NO WORRIES there!. They were rude, condescending, demeaning. I have no receipt left; this was too long ago for that, The loan It was For the Nottingham Pet Clinic in Syracuse ny.

I tried to pay my dentist with my CareCredit Card but the charge wouldn't go through. I've been using that card for years so I called to see what had gone wrong. It turns out CareCredit cancelled my card because I "haven't used it recently." Now, the CareCredit card is specifically designed for stretching out payment of large medical bills. But I haven't suffered any serious illnesses or injuries lately (thank heaven), so they cancelled my card. I guess I'm just not sick enough for CareCredit.

They said that it will not impact my score, they misled my and my score was greatly impacted. I am pissed off and closed the account today. My score went from 849 to 809 from their hard inquire, they never said this at any time.
This is Bull $#*!, and now my score is hurt by them for 2 years.
That really pissed me off!

I cannot stress enough how crooked this company is. I was charged exorbitant interest for promotional charges due to my payments being misapplied. It's all by design. After explaining how the payments should've been applied, I was told that if they go in and correct, it would generate interest on other balances. Again, all by design. I even have recordings of conversations with reps where they admit the mistake but offer no adjustments on interest. Watch your statements carefully & DO NOT GO PAPERLESS, as this is what they're counting on... that you won't bother to view your statements and see how they're applying payments. Bottom line, they are a PREDATORY LENDER and take advantage of individuals who need assistance with medical bills. How do they sleep at night?