CareCredit

When care credit was recomended to me for dental work due to me not having insurance it seemed like a good Idea, specially since there was no interest if you payed the balance off within a year. Unfortunately I used this credit a couple of months before the pandemic hit and if work would have been steady throughout the year I would have easaly been able to pay it off within that year but it wasn't. I still kept making payments on a timely basis (i was late once and got hit with a $40 fee for 1 day) but I was not able to pay it off within that year and I got hit with $585.59 of finance charges, the next month the finance charge was $42.91. So I was able to come up with some money and hopping that if I paid the balance in full I would be able to get some type of help or discount, I called and they shut me down right away even after I tried to explain the situation to them hopping because so many people aren't doing well and are struggling to make ends meed they didn't care one bit that I had to pay it in full or keep paying monthly payments which from what I'm seeingm, it's very difficult. I'm not blaming them, it's a bussiness and obviously all they care about is the money, I just wish I would have done more reseach and didn't expect more from them. I hope this helps someone make their decision and look for other options if it's not really necessary for them to take a loan from care credit.

I opened a Care Credit account in 2020. I had surgery and was paying it back and have never been late. In September I had a dental emergency and used the card with deferred interest for a year. I wanted to know how that works since I noticed you could not separate payments for the two Care Credit accounts on line. One person told me that they could not allocate payments and another told me that when I make a payment that it would pay the first one of 313 and the 170 would go to the dental and to do it online. So last week I went on line to pay, and the website said that it did not go through try again, so I did and it again said it did not go through so I did it again and it said it did not go through. I called the automated and made a payment on the phone. Then I checked the account and saw that I had several payments processing and called and was told that it had to go through and that once they did they would send me a check for the over payment. I didn't want that much money taken out of my account so I put a stop payment with my bank. Today I took that stop payment off and called Care Credit/Synchrony bank to get a payment allocated and found out that my account is closed. I had never been late, all kinds of notes were in my account from the MANY times I spoke with their reps. The rep told me that it was because of the stop payment. I'm so frustrated. I didn't want to wait for them to mail me a check because the rep told me it takes a while. The closing of the account is automated so there is no reversing. Their website malfunctioned and now I'm penalized. I heard so many different stories on how to deal with my account and trying to make the payments on the two transactions from the reps. They are not consumer friendly and my credit will take a hit because of this situation. I'm so FRUSTRATED!

DO NOT USE
ACRUD INTEREST ON ENTIRE AMOUNT IF NOT PAID IN FULL ON TIME DO NOT USE GET A REGULAR CREDIT CARD
IF YOU DONT PAY ALL OFF AT END OF PROMOTIONS YOU ARE CHARGED ALL INTEREST CHARGE

Runs your credict but dont ask for your permission. Not once was i asked to get my credict ran but it appears on my credict which made it fall.

I got the card with one year no interest, sure enough they are chargng me something called, +/- credit, fees, adjustment! Thieves!

Who is worse? McCollum Family Chiropractic who set this up or Synchrony Bank who offers it? My 88 year old dad was taken to a chiropractor by mu sister against my warnings. He has spinal stenosis - an INTERNAL nerve passageway issue. He was desperate and was denied surgery. He wanted to try this. Well, the efficient chiropractor's insurance gal set him up with a $3900. 00 CARE CREDIT that would go directly into the pockets of the chirpractor that day. The office visits were $45.00 each! Simple math says he would have 86 treatments at 3 x a week for 28 weeks. Over 6 months! Are you kidding me? Why couldn't he just pay $45/visit and see how it went? In the meantime nobody mentioned that the promotional offer had to be paid off within a year or else he'd be hid with a 27% interests rate for the entire amount. He'd been paying almost 4 times the minimum payment and with two payments left he considered just paying it all off at once, but decided to make the final payment the following month. Well, that bill came with a $1200. 00 interest fee. He called me and I tried to handle it over the phone, figuring if you get right on it 3 weeks after the promotion ended and only $210.00 left on the bill they'd just waive it. OH NO! NOT SYNCHRONY BANK! The gal in the account escalation department was such a $#*! refusing to discuss anything. I made an online payment that day and gave them $210 in interest, figuring that much was more than fair. I got power of attorney for my dad and am dealing with them on this issue now as he is in no shape mentally or emotionally to be hounded by bill collectors. He is living hand to mouth. Any money he has is going t living expenses or medical expensis. Screw Care Credit! That is completely unethical. Hes s90 years old. Let them wreck his credit. As for McCollum Family Chiropractic, they lied about his treatment helping him. Every time he got worse but they charted he felt better. He even quit going with a $500 credit they refused to return to him.

CareCredit is a SCAM! Any potential consumers beware! The advertised purpose of this card is to help those who do not have medical/ or pet coverage for bills. (Or a similar emergent situation) They prey on those in need of fast money for health care related issues. They claim no interest rates if the balance is paid in full in one year. Most would take this to mean no interest on the bill for the first year, and that interest would start accruing after the first year. What they fail to tell you is that the interest rate after the first year will be over 26% and they will add all the first year's interest to your bill as well if your do not pay off the balance after the year is up. This then causes your card to be over the limit and they add additional fee's monthly for being over your credit limit. When you call to dispute the charges because this was never disclosed to you, and you never agreed to this or signed any documentation as such. CareCredit agents and Mangers claim that the doctor's office you went to impose these charges not them. For example, a $2,500 credit card bill that was paid down to $2,000 over the course of a year within in 5 months is now over the limit by $300. This is due to two interest charges of $460 and $380 from the previous year's interest that was charged. Current monthly interest due, and a monthly over the limit fee of $44 (because of the two undisclosed interest charges). When speaking to a manager they claim this is all the dentists doing. Every payment was made on time and more than the minimum amount due was paid. Please read the reviews on BBB, and research this company online they have NUMEROUS negative reviews and take advantage of people in their time of need. They claim this is a promotion but do not provide the appropriate terms and conditions nor do they stand behind it as their own promotions when a customer calls into their customer service number

Closed my account, said I missed payments
Never
Needed for medical expenses, they really screwed me over, they really hurt me bad,

Been paying on my account for a full year for an emergency surgical procedure, upon looking at my balance it still remains the same. I called three times inquiring about my balance and the 'so called late fee'. I was told on the 3rd call that I needed to pay off balance within 6 mos WHICH WAS NEVER TOLD TO ME IN THE FIRST PLACE, then on top of that I noticed a 'late fee' when I called the 1st time I was ASSURED IT WOULD BE WAIVED BECAUSE IT WASN'T MY FAULT BANK PROCESSED THE NEXT DAY... THEY ASSURED ME THEY WOULD WAIVE FEE WHICH NEVER HAPPENED. On the 2nd/ 3rd call more of the SAME bs was told to me. They didnt come close to telling me why my balance was still the same after a year of payment... I decided to contact my State Department of Fraud which is helping me with this issue. I also told the doctor who told me about this "care credit insurance" for that emergency procedure and he advised his staff not to continue to recommend this company. Their customer service folks are rude until you actually get someone who understands English. Think before getting involved with this company

Closed account and had no idea or wornings. Have two accounts with them now snd its BS. I hate this company.

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So Im sitting here at the Vets office trying to pay my bill, it wont go through. I call to ask why because I still had enough available credit-I made a payment (more than my minimum) always do, days before it was due. I just used this card a week before.
They will not approve my transaction do to needing an ADDRESS CHANGE we moved cross county 6 months ago. Weve been getting our bills (they where forwarded) even received new cards! I am a card holder on this account but it was in my husbands name, he was at work.
Well he can contact us on his lunch brake (how inconvenient with only 30mins), were here till midnight, well the vet office is not!
Im sitting here confussed as to what im going to do this is my only way of paying this ($300)bill. An the only thing this lady can tell me is your not the primary card holder.
1) We moved 6 months ago, changed our address with you 3x now. An 6 months later your going to freeze the account with out warning.
2) Have put more than $800 on this account in the last 6 months
3) Even received NEW CARDS
What if someone had got the new cards an had been using them, and wracked up even more. Would we have been held responsible!
Was never was contacted about this issue, have talked to Representatives more than once before this.

I use to think this card was a life saver, we could use it pay our bill. An was given a decent amount of time to pay it off with out getting crazy intrest fees.
Have 3 other cards with Synchrony Bank, an now im paying them all off and getting rid of them. If they cant get there (Sh*t) together putting us at risk than not even realizing there mistake. An putting me in a very hard spot than they cant be trusted with our business!

I have been using care credit for 11 yrs, everything is stated as in terms of this credit card. Have used uncountable times for vet and dentist. I have read several of these reviews and appalled that these users "don't get it" it's honestly not hard to understand. Where ever you use your card ( dentist, pharmacy, vet, etc. Determines what your interest free period is going to be usually based on the amount you spend. Example vet $200, they ask do you want that on 6mos. Or 12mos. "You answer" My dentist won't do over 12 mos. Even when after insurance I owed $2,000. Not care credits fault, they do have up to 24 mos. If where ever you use chooses to offer that to you. They set up your deferred interest time frame. Very simply if it's for 12 mos. Divide what you owe by 12 mos. Pay that amount (It will be payed off before you acquire the interest. Minimum payments are nice, if you don't have the "200."to pay from your calculations of what you needed that month and just catch up when you can. I pay usually every week online. Divide monthly payment by four, easier than taking it out of a week, anyway on every statement by mail and online it tells you when that deferred interest payment is due. If you need to use card again say vet on 6 mos. Payments then go to what is going to be due first so the deferred interest doesn't get charged. Make adjustments for that so your next payment do your 12 month with your 6 month divided and added to it so everything gets payed very simple and nice that there is a company that will loan you thousands interest free up to the alloted time... No scam... Minium due by monthly date is not to have it payed off in allotted time, it's minimum due each month to keep account open and not past due and goes toward what you owe. Home depot, Lowes, Best Buy... All the same if not paid by special purchase date 12 or 18 mos. You aquire INTEREST... AND about the same around 24% of coarse you can't use them incase of emergency at several different places. Your dentist or vet gets their payment right then, you just have to pay cc back... Wonderful to have... period

With my assistance, my senior Mother applied for CARECREDIT to help pay a dental bill over time without interest... It turned out to be Biggest hassle and waste of our time ever for credit. First I had to get an affidavit notarized by my bank because I didn't own a smart phone, only a flip phones. Then we followed all the procedures only to not have an answer the day of the Dental Surgery to pay our dentil bill so I had to put on my regular credit card. Then when all the paperwork came by mail regarding the account along with the card, I could not find any information pertaining to how long my debt would be deferred based on $4,000. Would it be 6, 12, 18, or 24 months and then I read that all other non promotional purchases would be charged interest at 26.99 % Interest! When I tried to chat to get the answer I got a short reply from a rep that posted only the phone number to call... so I called, then the rep told me that I need to put my mother on the line... I did but then they said she had to stay on the line and apparently I could not ask the question and get the answer, it had to be my mother who doesn't hear well and need assistance but they never allowed me to talk to them in order to get my question answered. They kept playing games that they can not talk to me, only my mother... SO Frustrating! I told them to close the account because they were very sketchy about a simple question that should be clearly posted in the card holder documents, about how long the interest would be deferred on a qualified purchase. Should be SIMPLE but we never could find out the truth... I am glad to get out now as I can only imagine that my first bill would show 26.99 % Interest charged and I would never get a resolved without paying in full. IF it is this hard to get a simple question answered, I am glad not to have thousands of dollars subject to such a rip off interest rate... This whole thing stinks of PREDITORY COMPANY due to the lack of solid information necessary to make a smart decision on the use of their credit offer.

I went to Boulder Dental Center for an expensive tooth implant, which was well over $3,000. They had care credit pamphlets all over and were more than happy to get me to sign up for one saying it's the best way to pay off balance with no interest if paid within promo period. I was told I had a 12 month promotion for interest free payments to make paying off the balance easier. They had me pay in two separate transactions (over 1,300 for both payments.) But apparently without my knowledge or explanation they used the 12 month promo period on one of my purchases but changed the promotion for the second transaction to 6 months. It makes no sense, I signed up for 12 months with the dentist and they had not informed me that the second transaction I made was not included in the promo period I originally signed up for. You'd think if I applied for 12 months at first, they'd sign me up for 12 months again or include it with my first purchase since it was for the same procedure. They scam you by going paperless with statements that don't inform you of promo periods ending, or that you've accumulated interested until after they charge you for it, as well as sneakily signing you up for the shortest promo period banking on you not noticing and not paying off balance within the time frame like they did for me. Luckily for me, I noticed just in time once I saw my due balance increased by $125 from interest, and caught it in time before 30 day grace period ended and they helped me take interest off so I could pay rest of balance in full and never deal with them again. After reading reviews which I should have done before singing up (but dentist makes it sound SO easy and in your best interest like they're doing to a favor even though it's you that's doing them a favor and how they make money off you.) This practice should be illegal. I even called care credit about not having signed up for 6 months at all and they told me there's nothing they can do and to call dentist. Called Boulder Dental Center multiple time through out the month saying they'll look into it without ever getting back to me until I kept calling and finally told me your initial services was a different promotion then we are offering with your second services so unfortunately there's nothing that we can do. That's how they get you. Complete scam on both ends. Never using this card again and Boulder Dental center lost my business and will be getting the same review. If I could give 0 stars I would. Reading the reviews it also states if you haven't used card in a while even if you've paid balance in full, they will close your account and drop credit score. Do yourself a favor and stay clear of care credit and companies who try to make you sign up for them. They will scam you.

I wish I did look at the reviews I didnt will never use it again. Rip offfffffffs... bad badddddddd.

In 2018, I took my dashund to a veterinarian to have his teeth pulled. I am on SSI and could not afford my Vet. Bill for my dog. The veterinarian's office applied for me Care Credit so I could get help for my dog. I was told that I would only have 6% interest and I would pay Care Credit each month. My bill was around $700.00. Well, here it is 2020 and I still owe $466.00. I pay my bill early each month and even pay way over the minimum amount. Well come to find out I did not pay the promotional balance and was tacked a high interest rate, raising my bill a little over $200.00. If I had that money, I would not have gotten this awful card in the first place! They are going to do that to me again in August as well! This company does not care and will use every excuse in the book to scam customers! They put all that in fine print and knowing full well people like myself will never get this paid off! I have had to go to foodbanks because I have been paying extra to pay my Care Credit bill! I have contacted the Consumer Financial Protection Bureau for help. I encourage everyone else to do the same! Instead of receiving help, this has done nothing biut cause financial burden amd hardship for me! Do not get this card! They do not care about their customers! This is wrong how they are doing people! I may also see if Legal Aid can help me if I cannot get any help! This is an unfair policy and is dicrimnation against people on a fixed income! They will not budge and their policy needs to be fixed! Stay away from Care Credit! They will scam you out of every dollar you have and will only make excuses and justify their unethical policy! They need to be held accountable and that is exactly what I am going to try to do!

We used to bank on using Care Credit for my dental, but it is no longer worth the nightmare of actually trying to redeem the rewards for, in our case, gifts card we wanted to give someone as a present. We are fortunate and can afford to pay for our dental bills but use Care Credit because the rewards came in handy for presents. I shudder to think how many families use this card to help them survive our countries corrupt for profit medical system only to be taken advantage of by this credit company. Last year I had a lot of dental work, implants to be specific and put thousands on this card, we ended up with hundreds of dollars worth or rewards so i decided to redeem them for Amazon gift cards that I give to loved ones or struggling human beings. What used to be a simple redemption process has turned into a nightmare. When I placed my initial order, I made a mistake and ordered the wrong cards which I realized immediately. I called customer service within 5 minutes thinking they could help solve this and this turned into the worst customer service experience in my entire life. Care Credit customer service treated me like a criminal for, god forbid, making a mistake on their website. They locked my reward points, created a "ticket" and said my "case" would be resolved no later than 7 days. Well, this turned into 3 long weeks during which time I was lied to, misled and treated like garbage. I am an incredibly kind person and was taken to my limit by this "customer service" team. I spoke to about 6 or 7 customer service reps and told countless tales and finally got my reward points returned once I threatened my "lawyer" husband on them. Then the nightmare continued when I tried to order e-gift cards, only $45 dollars worth out of gift cards showed up in my email. More lies by customer service ensued, then I was told a "ticket" would need to be created in order to get the remainder of e gift cards I ordered. I was told by customer service it might take 30 days to have "my case" resolved. This is when I shifted into fury and finally found the 1 Care Credit customer service rep with empathy, her name is MAY and she is wayyy to good and kind for that company. Somehow she managed to make sure I got all my e-gift cards by the next morning.

I am so sorry for consumers who get stuck in Care Credit nightmare of customer service.

We had the card a few months, paid double payments. Then did some consolidation and paid our almost $900.00 bill off completely... or so we thought. Three months later we received a bill stating we owed $39.90. I called immediately asking get what's this, the response I got was we had an outstanding balance after the big payoff and this was interest for the past three months. When I asked what the balance was all I got was a broken English runaround and this "customer service" representative became nasty stating why didn't you pay your bill for three months. He stated he would take care of it after some nastiness from me. Three months after that I went to use the card for am emergency vet bill, and it was declined. The vets receptionist called, after the representative was rude to her, she spoke to me and told me I was not an authorized card user. I informed yes I am, I have been since the beginning. Still she would not speak to me so I left vet bills in tow. When home my husband called in which he was informed we had a $190.00 outstanding balance, but if paid today he could use the card. My husband has hearing difficulties and could not understand the representative and asked to please speak with someone who spoke clearer english. The representative became only what I can guess was offended and started yelling at my husband, who then hung up and called back. The same representative answered the phone and my husband demanded to speak with someone else. A twenty minute hold later he is connected to another heavily accented rep, who he could understand a bit better. He stated we had not made a payment in six months, my husband completely fed up says fine then if I pay this amount will my card be usable again (with no intention to use it he was going good to close the account after he paid it). This rep, says no the account was closed yesterday. Then my husband states very well, I need a letter stating that sent to me and a final payoff along with detailed charges so this can be resolved. The representative refused stating my husband needed to pay this today over the phone. When my husband said why did the other guy say if I paid today I could use my card the rep hung up on him... crooks, absolutely bullies and crooks. That detailed statement has yet to be received by us. Our losses cut and lesson learned the card is now canceled and paid in full... I hope.

INTEREST RATES ARE OUT OF CONTROL. NEVER AGAIN. BETTER TO USE OTHER CREDIT COMPANY. BALANCE DUE WAS ACTUALLY DOUBLED DUE TO THEIR INTEREST RATE.

If you are interested in using their services BEWARE if you do not pay by promotion you will be charged the whole entire amount.!

First - I have used CareCredit for years and it has been very handy. But I agree that no one in customer service knows anything. They make it up as they go along. I made a $4000 payment and got the usual email that it would not be reflected on my account for 48 hours. That was 7 days ago and it still is open on my account as due and the amount is not reflected in my available credit. I have since paid off the remaining balance in two payments over just over $200 dollars, which have been subtracted from my account and included in my available credit. Now about the missing $4000 - I called and was told that for large payments, it took 5 business day to credit because they had to make sure the amount was received (this was an electronic payment that was out of my bank account and in their bank account within minutes of its making - they sent me an electronic notice of receipt). They told me date it would be credited. That date came and went and no change, the amount is still listed as being due and not included in my available credit. I called again today, and was told for payment amounts over $500, they held crediting the payments for 10 days to make sure they get the money (which they have acknowledged they got on the day I made and which they acknowledge on my online statement by saying no further payments are due because the account is paid off). I asked was it 10 days or 10 business days. This one said they are supposed to say 10 business days, but since they do business on Saturday and Sunday, it really is 10 days. (Sorry, lady, you are making it up, business days is defined by law), So they will not reflect the payment, and increase the credit available until the hold period is up because they have to make sure they get the payment -- Fed law requires this? They really do make it up. I do not expect them to credit the payment until 10 business days have passed. Essentially they have had $4000 to do what they want to do to make money on it. In the interim, if one of my pets has a crisis, I do not that access to that $4000 to take of it. By having these hold periods, you are deprived of the use of your money and use of credit and it impacts on your credit score. This is a huge ripoff and some class action attorney should sue them again. I do not know when this started, but I do know I have made payments over $500 in the past and they credited them immediately.

Never wrote a review regarding horrible cust service. Her name is Carrie. RUDE DON'T USE CARE CREDIT.