CareCredit

Preying on people with absurd interest rates and policies that go unnoticed until its too late. If you do not pay off your ENTIRE loan within the "promotional time limit" they will charge you 27% interest (maximum allowed by law) on your ORIGINAL LOAN AMOUNT. Not your current balance... This means that you could have only $10 remaining on your account and if it isn't paid by the time the promotion expires, they will charge you hundreds upon hundreds of dollars. I borrowed $2,500 for an emergency dental operation. Had only $300 remaining and suddenly they charged me $530 in interest Driving my balance to over $800 when I only had $300 left to pay... This should be illegal...

I make numerous payments a month to pay off "promotional periods" quicker, however care credit allocates your payments where they see fit, causing you to believe promotional periods are paid off - when they aren't, and they they charge you outrageous on interest. I ended up paying close to $500 in interest that I shouldn't have since I paid off my promotional periods, but care credit allotted my money elsewhere. Company sucks, customer service is even worse.

Terrrrible! You open a card with no fees or interest. What they don't mention is that if you don't have the balance paid off by a certain day, they charge you all the back interest. They don't even set your payments up to have the card paid by said mysterious date. Its a terrible scam! And their customer service is horrendous!

I dont even know how what this company does is legal. They add the back interest, which on mine was $700 and now they charge 26.99% interest on top of the interest. Two months later $300 interest so now Im paying interest on 1K of interest. Its a joke. Dont do it!

I tried to pre-qualify 3X online - almost at the end, the site said "expired" & kicked me out -3X. So I called & tried 2X on the phone. Both times,in the middle of the process, I was kicked to representatives who had no clue why I was there & offered no solution. If this bank is a mess to deal with at application,what can it be when you owe them money? Maybe it's going under?

Just had outpatient surgery on my knee and went to pay my 20% and the hospital did not take care credit, Now this was kinda strange considering there was pamplets and applications sitting right on there desk. Now my wife has to have a ultra sound and just found out its not accepted there either. Just not worth the time

Pathetic... talk about getting screwed but unfortunately there is no other choice! Why can't a bank realize how much money they could make being ethical and competing with the multiple Sued care credit!

Have had 2 bad experiences with this card. My mother, 86 yrs. Old, 5 years ago got $7000 "coverage" at her dentist in Bt. Utah. And after have very little work done was socked with a huge bill. The dentist probably did about 3500 work of worth, but because they are paid up front, ( he was pd. The $7000) had NO incentive to do the rest of the job, or do it well. She has had nothing but pain and decay since. My husband recently, June 2019, signed up with this company, thinking it wasn't a credit card! Now we are already having problems with them. Fees and interest, even through he has paid 2500 towards the bill already. Its a SCAM. Im calling Utahs Consumers Protection Agency on Monday and discussing how this company practices.

I used $2000 of credit to hospitalize our dog (parvovirus infection). The minimum payments were dwarfed by the fees. When I did not pay fast enough they closed my account and sent a $3500 balance to a debt collection firm. I pay my mortgage faithfully, paid an entire car loan without a single missed payment, pay home insurance, car insurance, and paid off my reatail credit... all that work to build my credit and this terrible company destroyed it. After several attemptes to request correction of negative credit reports, they refused. If you know ANY business who does business with these folks, ask them to stop or threaten to boycott.

Used this for major dental work. If I could've thought about it instead of needing emergency work for pain I would not recommend. Recieved 1st bill with late fee already on it. Recieved 2and bill with late fee even tho I made 3 payment 10 days before due date. Called and customer service was very helpful I hope. Also if it is not paid during the "interest free time limits" my total DDS bill will be 8k instead of the original 2k. Was also informed my bill would be 70. Per month minimum, this is deceiving. It's based on a percentage of balance. Seems like this is legal loan sharking to me. Oh and I can use it for my dogs veterinarian bills. Yeah right

I am also very disappointed with the customer service at 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. They also talked down on me as I was trying to get assistance related to financial hardship from covid. The first agent told me they weren't even offering help, when it clearly says that on their website. Come armed with cold facts if you have to call them. They will just make up something to get you off the phone. So unhappy! Would not use them again after I manage to close these accounts!

I rather have hot poker stuck up my butt then deal with these Indians on the phone. They are stupid, ignorant, and rude. When you ask for a supervisor they leave you on hold. They called me on a Saturday and I could hear a baby crying and a cow going moo! He clearly wasn't calling me from an office. Then again he might have been. I paid off 11K in full for 7K procedure and they are still calling with balance I don't owe! Using this carecredit was the worst mistake of my life so I warn you against them because they will ruin your credit for no good reason.

I called to get my account number. The first guy hung up on me. The second time I called the girl told me they don't release that information over the phone. She said I had to wait 7-10 days when my card came in the mail. I set the account up onsite at the provider and I did not screen shot my approval with the account number. I needed to get a credit for services provided when I picked up my dog from the provider. The provider couldn't find me in their system. Terrible. This was clearly a mistake.

This is this worst credit place I allowed my dentist to talk me to enrolling. I paid for 6 months before I knew I had credit protection which I didn't ask for. Then noone ever explained if I did not pay the dental bill in 12 months that I would be assessed interest on the total bill and then interest & penalties would continue to be assessed. Look for interested ones for Class Action Suit

Got interrest free loan from CareCredit for 18 month. After 18 month my balance was around 3800 bucks. Now I got statement and balance is over 5000 bcs CareCredit charged me interrest since day I've been making payments for around 200 a month but that's been wiped out and I feel like the money I payed so far had been stolen from me. If I knew how crappy this deal is I would have not accept the loan. If I did something like this I would have end up in prison. How can this be even legal and what can I do about it?

I had insurance on my plan and in the event I lost my job my insurance should have covered my plan. I called them a few months after making payments on time when I did in fact lose my job and never received any documentation from them. I have never missed a payment since Jan 2014 and today is March 2017 and I have paid $145 per month in the amount of $5500. This company is a major SCAM! Stay Away! The Will Destroy Your Credit! You Will Never Pay It OFF!

Not only do they kill you on interest rates, they're one of the most difficult companies to work with. With everything going on with COVID19, most companies have compassion. I was 5 days late, payment do on the 4th, pure over sight. I went to make a payment on the 9th and discovered they shut off the card.

I called and sat on hold for over 45 minutes, they claim "due to COVID19". WOW!

Get a Discover card!

I ended up getting care credit to pay for an operation that my insurance wouldn't cover. I was desperate and I'm pretty sure they prey on desperate people. I needed the operation I had no choice and this was the only away to get the amount I needed in the time I needed it. They are awful. They have no idea what's going on over there at their company at all. There have been times when I was charged a late fee without being late. There were times when their autopay took WAY more than it was supposed to take and they can't just REFUND the money they have to send you a check. 99% of the time when I call the person I talk to can barely speak English so it's not even clear if I'm getting my point across or not. Maybe it's not a scam, exactly, but they are definitely preying on people who have no other option but to get a card with them. As soon as I'm done paying this off I'm closing my account for good and never looking back.

Have been using care credit for years never had a problem until Synchrony Bank took over. I was paying more than the amount due and early so when I missed a payment in February I was not notified that the payment was late they just took late fees out of 5 months of payment until the late fee ate up all the payment then notified me in July that the payment was not made. When I called I was informed then the payment was made but I had 5 months of past due fees charged to me so now I was short on my payment. Not 1 time was I notified that I was past due. Customer service refused to reverse more than 1 of the fees. This is stealing and fraudulent as I would have received a past due notice if I had made only the minimum payment and made the payment on the due date rather than early.

#1: When you call, record date time and exact name of who you speak to.
#2: This is not processed like normal credit cards,. One balance for seperate purchases and interest is for all purchases totaled.
Care credit uses each purchase seperate.
Example: bill is 280.00, not paid within promotional period, interest is 150.00... card is used 2nd time, also not paid by end of promotional period. 300$ interest.
So, accrued interest is for EACH visit, not total balance on card.
They ARE making a killing!
#3. DO NOT GO PAPERLESS STATEMENTS.
Review each statement meticulously.
We called, and needed to change due date,
Employee did not change it in the system, leaving us with late payment fees. Because payment wasnt made in the "cycle". Adding fees plus interest for 3 bills took a bill totaling 3,6205 to over 6200. 00$.
We never missed a payment, not one.
Very deceptive practice.

Care credit is the absolute worst company! They will lie to you, take advantage, and put you on card security without permission. How anyone could work for this company and think there a good person is beyond me. If you fall into their trap your best bet is to find another credit lender that will transfer your debt. DO NOT USE THIS COMPANY!

Could not even use my account for the purpose I applied for because I did not get my card in a timely manner. That's forgivable, but the customer service when I called for my card information was a joke. They sent me a 'one time code' (this code is 5 digits- impossible to mess this up) and the lady said it was wrong even though she was clearly entering it incorrectly. The solution for this was not for them to simply send another code, it was to send me mail with another 'one time code'! By that time I will have the card and the procedure I need will already have happened and paid for OUT OF POCKET! The incompetence is unbelievable.

This is the 2nd time we have used this card. We had no problems in 2020. We set up to pay in 6 installments so we would not have to pay interest. We did the same thing with this current charge. They took out the 1st payment, no problem. On the second payment, they took out the balance. When I contacted them they told me they could do a refund but it would take 10-15 days with a check being mailed to us. Needless to say, I am done with Care Credit. Additionally, I was on the phone for 15 minutes with their automated service asking me the same questions over and over before I was placed in the queue.