CareCredit

My account was "closed" unexpectedly. Contacted customer service and was sent a letter stating it was closed due to a missed payment in October (5 months ago). Nothing in my account details showed anything but current (enrolled in auto payments), my credit report shows one late payment 2 years ago. I've had the card for 9 years.

Called customer service to find out about this missed payment and the service rep couldn't find anything other than the account was current. She contacted the manager who uncovered the missed October payment and despite not having any excuse why this missed payment never showed up or triggered a "late payment" status with the autopay, said the account would only be (maybe) reopened if I reapplied for credit.

After having a near flawless record for 9 years my account was closed during a pandemic over a single missed payment that doesn't show as an issue on the portal, doesn't show as an issue to the customer service representative, and took a manager over 20 minutes to locate. The five payments between the "missed payment" and the account closing all were processed normally. I will not reapply for this card. There are better options available with less interest.

I have now contacted customer support EIGHT times trying to resolve my account. I have paid more than the minimum payment to pay down the balances that were not promotional. EVERY PENNY was only going towards the promotional balances. When I first contacted them, they assured me that anything other the minimum payment due to each balance would go towards my highest interest rate. LIES. Over & over the payments were only being applied to promotional balances. I contacted them again, & asked exactly how to get my non-promotional balance paid off & exactly how much to pay. Before disconnecting the chat, I followed instructions to the letter. Next statement, they only paid off my promotional balances & I still had interest charged. I contacted them AGAIN & was assured that my account was corrected. When they "corrections" posted... still wrong. I contacted them again & they disconnected with me several times. Finally they told me it was right, but it would take a couple billing cycles to show up correctly & REFUSED to confirm that my non-promotional balances were entirely paid off or that I would not be charged interest again. Wish I could give them -100 stars!

I was going to Aspen Dental. They talked me into applying for credit to see if I could get implants but I could only qualify for a $1000 limit with CareCredit. They talked me into talking it, claiming I could use having it to build credit. They were not supposed to charge anything to it. I called Aspen Dental when I found out that they lied to me and canceled all my appointments and told them to refund the amount. They claimed all their systems were down and I needed to contact the credit company. I contacted them and they said they had to look into it. After waiting more than a month CareCredit told me they found I was responsible for the charge even though I received NO Service other than what was already charged to my dental insurance. I have to pay for my dental care that I have receipts from my insurance company for to CareCredit so Aspen Dental is being paid twice. CareCredit does not care because they don't want to lose out on the interest on the over $500 Aspen dental charged on my account. I am disabled and have to now come up with money for a fraud lawyer.

I had been a faithful customer for years and when i had some financial difficulties they cancelled me although i had never been late on my payments to them. Crappy company

This is a COMPLICATED company of credit and they are working with people with health problems when you need help. CARECREDIT have the most unfriendly page online and didn't have a call center, you can not do the payments and they charge you all the interest they can.

I had a Care Credit card for over 6 years. I checked my mail in November and saw that I have a new care credit card with a master card logo on it. I decided to call care credit customer service and they told me it's an upgrade to my regular card due to my good standing with them and only a few people get this card. I asked her if I will be transferring my previous years with them to the new card she said yes, since its an upgraded card. My card limit on my old card was $6000. 00 and the new card was $6500. 00. I check my credit report and found out the new card show up as a new account, so I was furious and call back the customer service department, they all gave me different answers. I even asked her to let me go back to my old card they told me no I can't, so I asked her her what happened to my 6 plus years with you guys? She was clueless. I did the unthinkable closed my card! To hell with CARECREDIT. I don't need you keep all the rewards points I don't need them. I'm one customer don't need your business other creditors out there will treat their customers way better than you guys.

They are liars and with ridiculous interests that they never tell you until they charge you and it is the worst in customer service, they just want to take your money.

I spoke with the rudest people... I would never use care credit again! Some how I never got a bill from when I opened the account till January. I made my first payment in February, but could not cover all of the missed back payment and fee that i never got a bill for. With all the late fee and reports to the credit bureau that I believe is complete wrong for this company to do. I can't catch I am paying the minimum pay but i am still getting fee.

NEVER USE THIS COMPANY! THE WORST CUSTOMER SERVICE! AND THE WORST PEOPLE TO WORK WITH!

Be wary if you have an FSA account that could cover some of your medical expenses. They won't let you make payments with your FSA account. They tell you to contact your FSA account to get an "account number", which my FSA said didn't exist. Then, when you offer to pay with a non-FSA debit account (to seek reimbursement for the medical expense) they tell you their policy is to only provide a written confirmation. What legitimate company refuses to provide a written receipt? In fairness, I am paying the bill on behalf of my husband. They tell me that if he called in, he could ask them to send him a "letter," which they wouldn't represent was actually a receipt for payment. But how does it make sense that I can call in to make his payment but I can't request that you send him (to the address he has on file) a receipt? Clearly, they whole system is set up to be sketchy. The weirdest part was that the person I first spoke to would answer questions that I had with a contradicting answer. For example, I asked "can I pay the amount due with a flex savings account card?" and her response would be "Absolutely! You cannot pay with a credit card." It was extremely confusing talking to her.

Their customer service is horrible. I had an issue with them and instead of trying to help me, they did not try to do their due diligence to take care of me as a customer. Do not recommend.

Glad I was denied after seeing all these terrible reviews. I have a clean credit history, and I could pay for all the medical bills upfront but I was going to use this just to help build more credit with their 0% 12month financing. They asked and required the most ridiculous questions and information to verify that you are who you claim to be. Asked me questions about relatives I've had little or no contact with for the last 14 years (I've made it clear that I don't have contact with them). Ask me questions about a particular relative, and I countered with "which one? I have more than one relative with that name" and the representative on the other line was very short tempered with me and wouldn't clarify. I ask "Well who are you talking about? My grandpa? My uncle? Or my cousin?" (because god forbid that a father name his child after himself). She was very rude, and the doctor who was standing next to me was shocked at the ridiculous questions this person was asking.

Glad I dodged that bullet.

I'm a first time home buyer, An I was referred to Credit care by my lender Wess at USA Mortgage and John helped me with my credit report even gave me a informative review of my credit report too. So now I am even more happy to know what to do in order to obtain my home thanks credit care indeed from WILL Harvey

Oh my God were do I start! This is the most Incompetent, inconsiderate, uncompromising credit company I have ever seen. CareCredit has no empathy for their new customers. I wish I had read the reviews before applying for this card. I made my April payment and a couple days later (still April), decided to go ahead and make the May payment due to my job downsizing so that I could be ahead. Well, that did not go well! I got a statement in the mail, Opened it and it states my account was past due, with late fees included! I Immediately called CareCredit! After the representative reviewed my account, She stated that I had not made a payment for May, however two payments for April! I explained to the representative that one of the payment was for May. I begged and begged and begged for the payment to be applied to the correct month, yet I was talked to any kind of way and made feel dehumanized! Trying to pay my bills ahead of time but penalized! As a new customer I was unaware of their billing cycle. I HATE this company and I pray that they go out of business! They definitely gets a zero a fat one at that! And I'm still awaiting for someone to call me back for upper management regarding this Situation! Again I hate this company!

Patricia Brown

I just got a letter in the mail stating that my credit limit has been lowered. I called to ask someone at CareCredit to review this with me but it's a true anomaly that NOBODY WHO WORKS THERE HAS ANY ANSWERS TO ANYTHING.
I have NO open claims against me.
I have paid off this card TWICE before, once for over $7,000 but the people who work here DON'T CARE. They are the RUDEST BUNCH OF A$$HOLES this side of the nuthouse.
I'll never use this card again due to the behavior of the d! Cks that work here. I'd rather go without then deal with them OR give them any of my money.
I hope all of their eyes fall out of their sockets and their a$$holes rot out.
F**K YOU CARE CREDIT.

I took out a loan for dental work and the next day without any kind of warning they hit me with over the limit fee after they charged me interest the next day

This is the worst credit card ever… they tell you you have 12 0APR MAKE SURE you pay before that time or they will charged you the interest for the whole "0%" APR it's happened to me $1300 on interest on $2800 left to pay. Be aware…. This is a scam

I HATE THIS COMPANY, MY DEBT MANAGEMENT COMPANY TRIED FOR 4 MONTHS TO SETTLE WITH THEM AND CARE CREDIT DILBERTLY WOULD WAIT 4 OR MORE WEEKS TO REPLY TO EACH OFFER. THEY DID THIS SO THEY WOULD WAIT TILL MY PROMOTIONAL PERIOD WAS OVER TO CHARGE ME 6 GRAND OF INTREST THEN THEY MAGICALLY SETTLED TWO DAYS AFTER THEY CHARGED ME INTREST. I HATE YOU CARE CREDIT YOU CROOKS

You cannot access your statements online unless you sign up for online statements & then you can access only 12, not the previous year. The no interest medical payments are great, though.

I have had this credit card for years, like more than 10 years! And now after more than ten years, they want to cancel my card because they can't verify my identity! It is the me, the same person with no name legal name changes. I have never had this kind of issue, not even with government and legal documents. They make ridiculous demands to identify yourself such as taking photos or video of self and they have about 3 options to pick from. Well, I did the photo option and they CANCELED my card because they said they could not verify me as the actual cardholder. They also wouldn't update my address correctly after calling more than once about it and I was not getting any statements. The email they would send with the bill had no billing address and would not even allow me to log in. Basically, my options were very limited to be able to make payments. Why? How are you going to make cardholders jump through hoops to make a payment willingly? Do you want to get paid? It makes no sense at all and why such a high level of security? To the point that it is very flawed and doesn't work because I am the person I say I am, yet you have me as not able to verify my person?

I paid more than minimal, on time and never was never miss charged. Read the terms and don't be surprised if a fee applies, if you don't follow the terms.

I had three Dental works done, each time I used the card I thought it worked like a credit card. I Did not or was not aware of having to pay by 6 months or 12 months, I thought if I pay my monthly payments I would pay the debt off. Imagine my surprise when I don't see the amount going down after paying 100 a month. So I went to the website and seen that they added 236 in interest. They are also warning me that another is fully due by this month the 26th. After they add those interest charges, I will be maxed out on my credit allowance. In reality I should be half way done paying this debt! I really did not know what I was getting into and was never made aware of these interest charges adding up to around 600 a year? And how much more will they add every month now? My Credit will be maxed out and ive been paying this off over a year, im so upset that I cried! Im trying to build my credit and this is like a shark out for the kill making it impossible to pay off. Don't get this card if you don't understand the interest charges and paying your bill in full by 6 months? I really thought it worked like my other credit cards. If I can somehow get a loan, I will pay this off and NEVER use it again! Im so disappointed.

Unable to access account, unable to make payment and employees and auto does not assist. Once I manage to pay, I will end business and hope to never do business with them ever again

Are there any good reviews? I see all the poor reviews, i do not see any positive comments? This company sounds criminal if I listen to the reviews, why do providers recommend them?