CareCredit

When my account with CareCredit was setup a year ago I was told it would be no interest. The lady that set it up on the phone gave me the amount and set it up for auto pay from our bank. Yesterday I found out it wasn't paid in full by the end of the year and had to pay interest on the full year. I will never use CareCredit again
Julie Scheper
*******674

During the COVID-19, The banks arent as efficient.my payment failed to go thru. Instead of contacting me and giving me a chance to make it right. They closed my account and put a black mark against my credit

I signed up for CareCredit for an implant surgery. My surgery was in 2 weeks. I get an email notification and approval right away stating that I can use my card ASAP with the given information. I get an email from Synchrony bank stating that they need to verify my account, and I need to send them a copy of my license and lease agreement ASAP. I expedite it via NEXT DAY AIR. I call to follow up and they said it's going to take 30 days to verify my account. This was after being hung up on twice in a row, not for being rude, but literally while the rep is talking to me, they hung up on me. How are you going to email me stating that I can use my card, then tell me over the phone to expedite my documents so that they can approve me ASAP, and once I expedite my documents, they tell me it will take 30 days to review my information. Makes no sense and it's very frustrating.

Ive been with Care Credit for about a year now and have put two promotional purchases on my account. My first was 1,200, which they gave me 6 months to pay off INTEREST FREE. Before agreeing, I did the math to make sure I could comfortably afford the monthly payments. I paid it off in time, no mystery charges, used the app to track my payments, NO PROBLEMS! I was shook! They even doubled my credit limit which in turn boosted my credit score. After reading all the negative reviews I was nervous about using it again, but I really wanted to start Invisalign. The Invisalign promo purchase was 5,000, which they gave me a year to pay off interest free. AGAIN I budgeted before signing. This time I pre-set my payments on there website to take money from my account every paycheck. WORKS PERFECTLY! Now I've never dealt with their customer service or missed any payments but what I know is they do what they promise. I've borrowed around 6,000 and havent paid a dime of interest. I'm still amazed!

I paid my account ON TIME and never had a late fee or anything. Get a letter stating that they canceled my card because of non payment! I have ALL the confirmations and emails but they refuse to open it back up but they said to reapply. I di and was denied because they canceled my card! Also, one lady hing up on me when I asked why my card was canceled.

If i could give it 0 stars I would, using care credit to pay off dental bills was the worst mistake I have ever made. I had a 5k dental bill after need extensive repair following a car accident and the interest they charge is RIDICULOUS! I always make a double payment every single month and in over a year my balance has only gone down $1200 after making monthly payments of $300 if not more. If I could warn every single person on earth to never use care credit I would. I have now gotten a new credit card and will immediately transfer my care credit balance, and I don't care how desperate a person is for treatment I would never ever resort to care credit again!

I know that I would get charged a late fee for being late with my payment, but I have never received so much harassment. I am never 30 days late on my payments and I pay the late fee, but they call several times a day, hang up in my face when I answer the phone, and they decreased my limit. Thank God I was not maxed out, but I feel that they are overly aggressive and when I pay them off I will never use them again! I have several credit cards and a mortgage and if I am late they charge their late fee I pay it and that's it, but this company with their repeated ghost calls are getting ridiculous. I do not recommend them to anyone. And I will be calling the BBB as well!

When the interest get you on this card is BAD BAD. 26.99%. I did own 2907. 00 the interest and with interest by the next month the balance to pay them is 3660. 67 for the 3rd month even if I did your payments monthly by the balance raised to 3962. 21. They don't let you to pay them with a credit card it has to be with only your bank checking account. Ok I get a loan from my bank and pay them. NO MORE CARECREDIT. BAD PEOPLE.

I have The Misfortune to apply for CareCredit for some extra money to pay for my cataract surgery. They sent me an email saying they weren't going to send me a letter but they disapproved my request even though I have a 775 credit score. They couldn't give me any reason and told me to wait for the letter. I never got a letter I called them twice and both people that answer the phone yelled at me, and were extremely rude and condescending. They were not helpful at all. I will never ever give this company my business and my business and credit score are excellent. They had no Foundation to disqualify me and they won't give me an answer they just keep telling me to wait for the mail. There is no mail! I guess they must all get trained by the same rude belligerent aggressive abusive guidelines. Save your money go somewhere else do not give these people your business they suck!

I opened my account years ago, used it, paid it off, used it, paid it off. Now I keep the account in case of emergencies like I have today with my dog. Well, come to find out these morons closed my account due to no activity. I have a perfect credit score, but its not perfect because I paid late, missed payments or had a charge off, its perfect because I always paid in time, every time. You closed my account you jackasses. What, because you didnt get your greedy little hands on any money. Well guess what, I always paid with in the promo period so you never got anything from me. Now, Im here at the vets office and need to pay, well, Ill be using a different card as I would not even consider opening another account with you. Heres why my credit is also perfect? I dont open a bunch of new accounts, I dont have credit inquiries on my report. So, I say to you care credit (Synchrony Bank) FU! I would NOT suggest anyone using these dumb morons, opening any account with Synchrony Bank.

Worst ever! Literally if theres a good review to care credit its someone who works for them trying to make it look good. This is the worst account to have. Customer service is horrible. Called multiples times and everyone i spoke to had something new and different to say. There were charges being added to my account that if i dont call and ask theyll simply charge me. Charges that didnt show in the current statement, one bill is a certain amount, then the following month was much higher mind you i havent used the card since last year and im signed up for autopay. Couldnt be late fee right? Exactly my point why is the bill higher? Rep said a late fee from last yr august. Couldnt believe what i heard! I really hope people read these reviews and dont open an account. They will ruin your credit score and even though it might seem like its convenient when you cant afford what youre getting at the time, its really not.

I've had the Synchrony Care Credit card a while for my kids braces and such. However, the past few years after paying them off, I didn't have a need to use it. They upgraded my regular Care Credit account to their rewards MasterCard not long ago, then, I noticed something weird. My credit score was fluctuating drastically even though I wasn't using credit and I couldn't figure out why. I checked my credit and saw it was because of something Synchrony Bank was doing (Care Credit). They would increase my limit, then lower the limit, up and down like a seesaw. They were doing this just because I wouldn't use their card and because I have other cards with much higher limits that I don't use. 'They're punishing me because I won't use their piece of crap high interest credit card.' Avoid Synchrony credit cards at all costs unless you absolutely have no other alternative with your health.

Only got the card because a vet visit which i was told would cost around 2 grand. Was told about care credit (set up from the beginning). I applied for card was approved for the amount needed to cover service. Decided to get 2nd opinion from another vet. The other vet told me about how the companies that accept care credit jack up the rates to make profit for them and care credit. I used this vet which only cost me 300, which i paid out of pocket. When i finally received card in the mail, limit was only 500, instead of the original 2000. They just recently ran my credit(without approval) dropped my limit to 250 and a couple. More points off my credit score.
Find a different vet or try and borrow money from someone you know.
DO NOT GET THIS CARD. IT WILL ONLY CAUSE YOU HEADACHES.

Had some dental work done that turned out to be substandard... in pain and had to have it all redone... they couldn't care less... tried to dispute and this silly lady "Rebecca" said the dentist was her customer too... these people are heartless garbage... NEVER STAY AWAY FROM CARE CREDIT!

CARECREDIT
Specifically, this medical credit is a loan shark. Beware, they're false advertisement 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. By all means do not use this card. BIG INTEREST CHARGES!
They will also close your account without any warning even if you have good credit! NOT WORTH IT!

I've had this card for years and was checking my credit report only to find out they had closed my acct. No explanation, just closed. My card has been paid off for months. So no delinquency involved here. I called them and I'm just given the runaround, still no answers. I use this card solely for the purpose of taking care of dumped animals, (Vetting, Shots, Spay/neuters ect.) Very disappointed in this company and will never use them again. I highly recommend no one else does either. I had heard other stories from people, but blew them off. Really wish I hadn't.

My once trusted dentist's office talked me into this scam. While all I ever got at that office was a cleaning, Care Credit and their crony Synchrony Bank (Stinkcrony) claimed I got services costing $600, and they tried to tack interest on to that. I never received services totaling $600. I think the dentist, Care Credit, and Stinkcrony are in this together to defraud patients.

Just the fact that we have a thing called "pet insurance" shows you the depravity of man, animals were here long before us, we have the responsibility to take care of them without trying to get rich by doing so the people that charge these outrageous fees, and these so called pet insurance, there's a special place in HELL for them all.

The dentist clinic suggested and help me file for financing with CareCredit on April 2017 and promised a no interest until December 2018 for a $6,000 loan, it is June 2018 and Ive been making my monthly payments on time yet all of a sudden I see 3 interests charges totaling $1,700 interest charge! How is that possible that they charge so much and also before the time they promised?

Get a personal loan/ refinance/ home equity loan/ borrow from your sister if you have to- this "Bank" will have you paying outrageous interest charges very quickly. It is all very legal and upfront but the costs to use their money is astronomical! It will take years and years to pay off these "interest free" loans! You can get better rates from the shark down the street! DO NOT USE THIS "SERVICE" if you can avoid it.
Its a great deal with the "interest free" but if you can afford to pay the debt off quickly- you dont need the "deal" Its terrific if you already have the money.!

I paid for my cat's treatment in February of this year for almost $1200.00. I set up the account to automatically pay the balance in full over a 12 month period. I had the confirmation email. Lo and behold, my checking account was debited for the full amount! When I reached out to Synchrony Bank, I was advised that the only record of automatic payments was for the statement balance which preceded my most recent purchase. Long and short of it, the C/R acquiesced and advised me that they could issue me a refund for the excess amount withdrawn, which they did via USPS. Funny thing is, Synchrony is set up to take money out of your account but is unable to make any deposits to your account. Please, try to work out a payment arrangement with your provider or obtain a credit card from a major issuer. Many card issuers offer 6 to 12 months grace period on purchases. Some offer more.
Also, please avoid the payoff insurance they offer (I got caught at a weak moment). It's like paying a finance charge!

If not paid within the initial "no interest" terms of the agreement (which are dependent upon credit score), interest is charged at an exorbitant amount retroactive to the beginning of the agreement. This means that all of your interest free payments are no longer interest free. In my case, that made my remaining balance of just over $5,000 jump another $2,200. I was able to get an extension, but not without going through the acrobatics of talking to manager upon manager. After securing bank funds to pay it off, my bank informed me that there's no direct means for them to transfer the balance to Synchrony. This means that I was issued a check made out to Synchrony sent by mail that I now have to mail to Synchrony. All of this takes extra time, mind you - time that is ticking away towards the expiration date following which I'd be charged with the extra $2,200. Now here's where it gets even trickier. After they receive my payoff check, I must still call back to have the interest removed. If I fail to call back, the $2,200 interest will remain, despite them having received a payoff in full. I don't know how this company can legally operate, especially given their target population is those who need medical care but are unable to pay for it.

I went to the dentist found out I need a lot of work and the nice man that works at the dentist said for me to apply I would get approved I did and got denied so care credit doesn't care about people's health and trying to get my credit score better so f$)(; you care credit!