CareCredit

They worst credit card ever they are thieves one Late payment will cost about 140$ and that's on a thirty dollar bill DO NOT use this company for any reason

Do not I repeat DO NOT waste your time with this CareCredit. I got it because I did not have health insurance and I had to go to the doctor. Was paying it off super fast, and 3 times the minimum amount due. They started charging 26.99% interest rates and told me if I didnt have it payed off in 30 day they were going to keep charging me. Keep telling me different amounts I had to pay to close the account. Its super scammy and not worth it I would of been better just getting a bank loan and paying that off faster than this scam outrageous credit card. Finally paid it off and closed the account for good. NEVER AGAIN! And they are very very disrespectful at that you are wrong no matter what you say they say they tell you what they charge you for, they do not. They would not even tell me what the "promotion" I had even was, they kept just worring about how much I was going to pay rather then telling me what my promotion was! Surprised they are even in business, stuff they do, they should be sued for whatever its worth!

Please be aware of unknown charges they will apply and will not help you in any way. Customer service is very rude!

This care credit is absolutely bull$#*!. I don't recommend it. The customer service line is no help & flat out rude.

They don't apply payments as promised and are so dishonest. You will pay interest, they make sure of it.

They are horrible. They dint help at all. Interest charges every month. Don't do it! Find a better company

I had a dental bill of 2,000 over two years and had 12 months to pay it off. I have no problem with them at all.

The worst card ever. Great difficulty reaching a customer service rep and there is no longer a Care Credit website. I'm closing my card out ASAP.

Very bad way to make a living, there are other ways to earn a living than to steal from their fellow human, it took the arbitration of "Evidēntltd.com" requite to get a refund.

They shut off my card (WITHOUT informing me) during my pets Cancer care follow ups. Wont turn the card back on and wont let me get a new account. Supervisors wont help eaither. I wrote a letter PLEADING with them to turn back on and the coldy denied it.

I had to DELAY his simple treatment due to them suddenly shutting off my card which casued my pet to be in the Hosptial for 9 days costing $20,000.

I will ALWAYS share with ANYONE who I come accross that has a pet to NEVER sign up with this HORRIBLE company.

BTW- Care Credits "reason" for shutting of my card was NOT a valid one. I suspect they did it because I requested for a credit increase just a few weeks before they shut my card off.

COLD. HEARTLESS. MONEY HUNGRY.

They use fraud and deceptive business practices. This is the last company you want to do business with.

Spend over a hour getting hung up on while at a provider trying to get a fraud charge taken off with manger by my side

They closed my account out of no where call them to find out why and no one can give me a reason this is bs!

I had a credit balance 700.00 they have lied and lied since July 2018 still no refund, avoid them like the plague Check is in the mail
Check has been mailed at least 10 times.
I AM STILL WAITING

Started out as a grateful customer. I was so relieved to have this credit card as it was a backup for my pets care and any emergency medical bills that I had personally. I received $1,800 in credit and I began using the card. I paid on time and never had any issues. I even got a credit limit increase to $3,000 after about six months of use. All of a sudden, after about 10 months of having and using the card, I get a notification from Credit Karma that my credit utilization went up to 90%. I was immediately terrified that my credit has been stolen or something and I check into it to find out that Care Credit cut my credit limit by 50%, therefore causing my usage to go from 32% to 90% overnight. The crazy part is that they cut my limit to under what I was originally accepted for and my credit is better now than when I first got the card! I called and asked why in the world this would happen as I used the card but paid every month on time and sometimes paid more than once per month and they said that sometimes they check credit history and it changes. I get that but why would you lower my limit by half when I am using and paying for the card and my credit score is better than it was when you first said I could have it? Nothing made any sense and all of a sudden, THREE dedicated years of working on my credit meant nothing overnight. They literally, with one decision, ruined everything I've been trying to do. I realize it's not just this hoax of a company, but also an antiquated credit system altogether. But I will pay this card off and never use it again. I don't understand why you would penalize me when I'm giving you all this money in interest and I'm giving it to you on time all but once. I paid 15 minutes late one time and I got a $40 charge when it states that late fees are $28. Ever since Synchrony Bank took over, CareCredit has just declined so badly, from the customer service on. Don't bother- crazy enough- even capital one is better than care credit now!

I will no longer used them. I will pay off my balance and the hell with them. I TOLD THEM TO CLSE THE ACCOUNT. I WILL NO LONGER BE A CUSTOMER TO THEM. I WILL NOT SUGGEST THEM TO ANYONE. Customer service sucks and they will double charge you... and try to get away with it. No more... if I could give them 0stars I will. They are not helpful or try to figure out an solution. RIPOFF

Care Credit Synchrony Banks Credit Card Is A Complete Rip Off. Highest Interest Rate,
Excessive Fee's & They Prey On You When
You Are The Most Vulnerable. So so sad.

I worried about all of the negativity I read in these horrific reviews, yet honestly, Care Credit has been extremely wonderful to me! They REFUNDED / charged-back $3000. 00 to my account, resulting from my nearly dying from a Dental Malpractice living-nightmare! They offered a refund check to me, with the option to credit the entire amount BACK to my Care Credit account, while PENALIZING the dentist for his malpractice. The Credit Fraud Department told me they were on my side, and they urged me to SUE the awful dentist for nearly killing me, since I ended up in ICU on LIFE-SUPPORT for 10 days after choking in my sleep on the faulty corroded dental implant, which became stuck in my esophagus, as I awoke gasping for air, and somehow awakening on life support 10 days later. The hospital contacted Care Credit for me, submitting my medical records, and Care Credit began processing my refund IMMEDIATELY, while sending me get-well notifications that they were all PRAYING FOR ME!

Give them a break folks! I don't work for them. I'm a consumer just like each of you, so all of this negative publicity is unfair!

Best Wishes, & God bless you all...

Thats the catch. You have to pay 29.99% rate. Not worth it in any way, its better to save up or to get a personal loan. This rate is predatory.

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.

I had a good experience with Care Credit because I took a zero interest loan for a year and paid it before interest kicked in.

However, just out of curiousity, I called Care Credit when I had $1000 left on my bill.

I asked what would happen if I did NOT pay it off when the zero interest period expired. I was shocked to discover that I would have to, pay $845 in interest on TOP of the $1000 balance

And you can be sure that they are counting on people thinking that Care Credit works like any other credit card. It does not. So you can bet that I paid that off my bill in the zero interest time frame!

I think this Care Credit terms are misleading and not many people understand them. However, IF you can create an automatic payment and pay off the amount while you still have zero interest, you will be fine.

I would suggest you use another credit card in an emergency (if you don't have emergency savings) and do EVERYTHING you can to pay off the Care Credit card in time. The interest on your credit card as well as the minimum, pay, Nets will be FAR lower than the interest if you miss a Care Credit zero interest time frame.

I am extremely grateful that I was able to pay the amount before any interest kicked in because that interest-on TOP of my remaining balance - would have been awful.

This is Day 2 and 3.5 hours in of trying to resolve Care Credit issue. I signed on for 0 interest and used the card on 4 occasions, saving myself the interest by making sure my auto debit paid off debt before their 29.99% apr kicked in. More recently I placed $1800. Charge on the card. I had gone paperless so when I received the email alert I was alarmed, as it stated my entire balance was over $2700. I tried to call for a breakdown as I could not log in. Evidently, the vendor has to be agreeable to terms of no interest when you use the card with their medical service. I learned of this after 10 minutes of insufferable recordings pushing their services before an associate picked up ( which was unexpected)

It is beyond 24 hours and I am still locked out although they won't tell you that you are, so continue to drive yourself into a frenzy with every combination of your last password and username- Synchrony won't help. I could sign on as 'guest' which gives no information other than the total amount owed on account.
Synchrony sneaks my auto debit amount out each month without proper identification or alert, which is their technique for screwing over the customer.At this stage I want to pay off and close account.
Synchrony is the financial backbone of corporations like Lowes, etc. BTW, to pay on your Lowes card you must create 2 separate usernames and passwords to get to that particular Synchrony account. No matter what company they represent, SYNCHRONY is a total mindf**** and I will not do any business with any company associated with them.

If the execs, in their ivory towers, had to deal with the consumer instead of hiding behind employees who take the blunt of angry card members, perhaps they might count us as of some value, in addition to their profits.

Neverending payments Extremely high interest rates. Equal to payday loan! Every month High charges for alleged card protection. A Big mistake