CareCredit

They take advantage of people who need help! They get their money and then some! If you don't pay by 12 months you have to pay all the interest of all the 12 months. Even if you were making payments. The money goes to the most recent charge. So you think you are paying off your old account but you are paying the most recent and then in 12 months you pay 800$ in fees! BEWARE!

Make sure you keep track of how much they are allocating your payments to your promotional purchases. I had one on there from August 2018 that is to be paid off by August 2020. I unfortunately had to use them again for a much smaller amount in February 2019 that's due by August 2019. I got something saying more than half of that one is still due. They'd been giving majority of my payments to the first promotional purchase... which would in turn make me pay all the interest if not paid on time. The representative and his manager Joshua were very rude and would not assist me. They basically said they could not assist me and I have to pay it off by the 30th. Worst company ever. They also, decreased my limit when I have a good history with them. I can't wait to pay them off.

It's disheartening to hear that during this pandemic "CARE" Credit it not offering relief to it's customers. Yes they offered to defer a payment to "help" me out but since my promotional purchase expires next month if I do not pay in full I will incur all of the interest charges. Please explain how deferring my payment will help me? Deferring my payment will help THEM as it will cost me way more in the long run. Ridiculous.

CC is easy to apply for and obtain, making it an attractive option for financing needed medical/dental procedures. The interest rate skyrockets after the promotional period is over, however. I suggest having a plan in place ( e.g., debt consolidation loan) to pay off the debt before interest kicks in, saving you thousands in interest.

Great way to get no interest or low interest loan on cosmetic surgery - So, the deal is that if you can find a doctor that takes care credit then be sure to use them. Basically you can get up to 12 months of a loan with no interest. In reality the doctor's office is picking up the interest, but that is no big deal.

This is the worst company. BEWARE! Even if you pay early they still are underhanded and try to charge you late fees. They are rude and unprofessional beyond belief. I don't think their tactics are even legal.

I did not have the whole balance available in cash or on care credit to go pick up my dogs remains from the vet. I talked to care credit and was told that if I used my atm debit card the balance would be available immediately. I explained my entire situation. After making the payment knowing I needed $400 they transferred the vets office to someone else who processed the payment and it was denied. After being transferred repeatedly and sitting in the vets for 45 mins. Everything they told me has since became wrong and I was now in a position where I couldn't bring my pet home. My pet might not be able to come home because of this. I have to play their waiting game.

I was paying more than minimum amount do and on time and my interest rate increased. This card is not helpful it's a total ripoff. Care credit and the healthcare providers are the only ones benefiting from this crap. I would never recommend this card.

You have to love that their motto is we are here for you! My dog had a serious health issue and we had to run her into the emergency clinic. We tried to get a hold of care credit for two days and could Not get a hold of anyone because their system was apparently down. We had to put our charges on our credit card totaling $2500. I called care credit until I could finally get a hold of someone, I spent 30 minutes on the phone the first time and they hung up on me but before I even said anything. The second time I spent over an hour on hold waiting to talk to someone. This time she told me there was nothing they could do about those charges. I had requested that I could transfer that balance over due to the fact that it was their fault that their systems were not running, And she said no. So much for their
Motto, we are here for you! Not seeing it

I am very disappointed with the customer service with carecredit. I called twice about questions with my credit card statement and both times I didn't get the help I needed. The agents I talked to seem so unknowlegeable. The agent I spoke to today was asking me about my statement in February when he could have looked it up himself.
I would love to complain but I don't see any option available to complain.

I recently used my care credit card at my dentist. I received my first statement and they already put a finance fee on there. This was my first bill since dentist. I wrote them because calling you end up speaking to India. No replie. I will close.my account.

This is a come on to get you to pay higher interest! It is confusing and not clear at all
That you will be charged interest even if you pay more than the minimum. I had a dentist
Visit that cost less than $200 and was paying on time and above the minimum and one
Visit cost less than 200 and they could not wait to charge me fees!
I will not use them again!
I have to wonder if my dentist knows about this practice!

I received an email from Care Credit on 9/13 stating I had earned over 10,000 points as of Sept 7th and could log in to redeem the points. When I logged in, the points did not show up and customer service stated they expired the prior month. Why would they say they were available as of 9/7 if they had already expired. This is a large amount of points I earned by using their card, and they will NOT work with me even though their system sent me an email a week ago stating I could use them. All they said is I understand, sorry. With all of their horrible reviews, you would think they would be willing to work with customers to get their satisfaction scores increased.

I am shocked by the bad reviews given to Care Credit. I have been using the card to pay for my LASIK surgery done in May. It is in the documentation you are given that if you do not by the promotional deadline, you will be charged interest back from the time the payment was first charged. I have been paying much more than the minimum payment so that I will pay off the loan interest-free before the deadline. If you read the terms and pay off your card on time, you will have no problems with Care Credit. Great option for interest free medical financing.

Beware when you fill out a credit application for this care credit it automatically checks a Box that automatically enrolled you in a card security fee every single month from the first time you start your payment I was charged $81.57 and if I did not opt out of it they would continue to charge me up until I finally paid it off I never filled it in it's a fraud it's a scam I called them up and they credited back it was over $1000 that I was being charged for this card security fee in addition to my $7000 fee so be where

I was pre-approved for a card and spent 45 minutes and 4 calls to customer service completing the ridiculously involved application process to only be told I was denied. I have never been denied for a credit card in my life and have a credit rating of excellent. Customer service was extremely unhelpful and could not answer any questions. Would be nice to be able to give less than a 1 star rating.

This is absolutely the worst card and company to do business with, ever! Do NOT sign up for this card as they are a complete rip-off. My interest went from $2 a month to $61 a month. I refuse to pay on it ever again and they can put this card where the sun doesn't shine!

52% interest. Stay off this company. Extra charges at the first bill.No sign of promotion at all. I don't understant how thiefs like that can even legit company and pretending they for help when you sick.

Please pay attention to promotions expiring, then when paying extra always call back speak to a luve person and tell them to put your extra money on promotion expiring soon. Then ask for an email showing this happened. Also they do not show what you are paying on if one of the promotions is over. But you are still paying on this and with 25% interest folks! They do not show what money goes to which promotion and how much.

It used to be GREAT! Synchrony Bank took over, and watch out. Paid off my balance in two months and got charged a bunch of interest I wasn't aware of. They would not fix it after four phone calls. Reps and supers are instructed to say it's out of their hands. Predatory business practices, condescending attitudes, broken promises, and sky high fees even paying early. If this sounds like your cup o' tea, you've been warned.

Was charged interest on new purchases. Have to call after every payment to make sure funds are allocated to correct balances. Micha and manager Kevin Young were rude, untruthful, and would not reverse the incorrect finance fee. Closing this account immediately. Please avoid this bogus company if at all possible. Other credit card companies are not as deceptive. Really hope they go out of business. Not BBB accredited.

Magically an insurance was placed on my account couldnt figure why my balance never decreased but increased. Took me a few found it added $46 every month never have I ever ok'd it threatened them and they gave $500 back still $1000 less than owed shamefull behavior. Check your staements they claim you electronically put the x. Wonder who gets money to falsely put check marks on

Care Credit is easy to use but you better pay it off fast! Great for very temporary financing only. My credit got tanked cuz once the interest payments start I could not keep up. Find another way to get financial help but don't use this service.