CareCredit

I can't get rid of this "credit". Their charges are cosmic and the minimum payments are unreasonably high. As soon I paid this card off as soon I completely close this account. The Synchrony Bank is awful in general. Stay away.

Don't waste your time with this card they will lower your credit line drastically if you don't use it even if you have used it and paid them off not caring about the drop in your credit line as a result

We used Care Credit because we read they had an interest free payment plan if installment payments were paid on time. We used it for $3,000 of dental work. Well the first installment had $7.00 interest and it showed that 14% APR was going to be applied. I called them and they said we have interest free, but your dentist closes the plan. I told them their information was misleading, but they didn't seem to care. I paid it off within a month and it cost me around $100 using their money for less than a month. My recommendation is to stay away from them. I could have borrowed the money at 3% from my bank...

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 6k line from care, dental bill and the interest they charge is RIDICULOUS! I always make my payment every single month. Only to find out I was a hour late cause of the time zone and have another $35 charge on my account did not notice for eight months when I went to pay off my bill I found on my bill was not pay down.my bill was also one day later to be pay off. Care credit charge me all the fees for the full year and would not remove it. On a 1200 use I pay over 570 in fee. 0 stars I would, using care credit to pay off dental bills was the worst mistake I have ever made.and the interest out of this world, I don't care how desperate a person is for treatment I would never ever resort to care credit again!

This is probably the most horrible company I had the displeasure in dealing with.

1 day late on my payment they double my intrest rate and charge a late fee witch was exactly the extra money I added to my payment.

Seems like my bill is going up not down.
Will never deal with this company again

I had a credit limit of $6000 that I got in April 25,2023. They gave me 60 months to pay. I already paid $3000 as of December 2023. They then ran another credit check on me and said I didn't have enough high balance on my report. They dropped my limit to $3270 which now looks like I used 100% of $3270 which dropped my credit score-59 points. I reported them to the BBB.

This card closed my account without my knowledge and based it on fraudulent activity on my credit report that I have not done. I would not recommend this card because they don't care if you pay on time and can close at any time. Now I have no card for the dentist after covid is over and my transunion report was cleared but it doesn't matter they already closed it and said I have to reapply. Don't get this card they don't care and will close it anyway even in a pandemic. I called to ask them to do a credit bureaus check to see if they can reopen as my credit does not have the false negative marks. They said no this is why I hate credit it's not even based of something I did wrong and I'm still penalized by carecredit

Please be aware of care credit, card credit is completely scams, fraud, unprofessional customer service and unethical practices, U.S. government officials needs to investigate care credit for their fraudulent, and illegal scams.

Customer service reps hang up on you. They continue to say they dont hear you. They close your account after you catch back up after being with them for years upon years. What a horrible business decision they made to do that. I do hope they go out of business and i dont wish that upon anybody

I applied for the care credit because my dog got diagnosed with cancer, the vet was going to charge me $837 for labs, testing, and meds to help her. The vet was more then willing to work with me when care credit wouldn't at all. It should be called "death credit" because if you don't have perfect credit your screwed, whether it is you or your family or the animal you consider family needing help!

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.

After a year with this company they charged my interest more than my payment for the year of $245 my payment owed was only $300 at 26% interest they won't work with me they won't change anything I recommend you do not open this account

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

They don't automatically allocate payment toward you promotional balances, you will end up paying way to much for this card. You have to call them every time you make a payment to tell them which bill you want it to be applied. They will leave you on hold for hours waiting for a. " manager or supervisor " no morals at this place!

I had to get this card to pay for a vet bill to save my dog. The vet offered this card when I was in an emotional state. I had to use it again to put my dog in the hospital for a week and still ended up having to put him down. Now I'm left with a $4,000 bill and a 26% interest rate. I will never pay it off. Also, I have been waiting for a customer service rep for the past 30 minutes!

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.

If you have good credit and pay your bills each month this is the way to go. Don't bother if you are not conscientious and cannot pay more than the minimum each month. The way I do it that ends up being the best deal is to take the total due and divide it by the number of months left to pay on the promotional balance, usually 12 to 18 months. I never pay interest and get the benefit of credit.

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!