CareCredit

This card is meant to be used for medical, vision and dental purposes. You would think the interest rate would not creep up into the 30% plus range when it's used for essential services not covered by insurance we also pay to have. They also have sneaky fees and charge interest even when no balance is due. Will never use this company for lending services again.

It use to be when you made a payment the money would go to the oldest balance so things were paid off in time. Unfortunately they now started applying the payments to the newest charges so you have to pay interest on you charges. I have called and spoken to customer service and they assure me that the money will be allocated to the payment I want and it will be done in 12 to 24 hours and its never done. I have even called back to speak to a account manager that assures me that its done and its never done. I have been dealing with this since the first of December 2024. Before that I had my last charge applied wrong by my veterinarian, their Accounting Manager called to have it put on a 12 month payment plan like it was suppose to be set up on, he had to call back to speak to several people weekly the month of November 2024 and It was never corrected so I am paying interest on that purchase.

I applied for a Care Credit card & received a $1,000 credit limit. I used the card for prescription eyeglasses & paid off the debt before the promotional free interest period. A few months later, I check my CC card account & see that they lowered my credit limit to $290. I called Synchrony Bank (the bank that issues CC cards) they said the reduction in my limit was due to my credit report. My credit is clean, & only improving since being approved for CC card! So I go check my credit report & it was Synchrony Bank's second HARD CREDIT CHECK to look at my credit long after originally approving my CC card. Sychrony Banks ding on my credit was the reason for my lowered credit score! I had always paid on time never missed a payment, which most card companies reward with an increase, not a decrease in credit limit. I used the card a few more times, & they charge $2 for a paper bill which I opted out for the first purchase. They tack this paper billing back on when you make a new purchase with the card. Then, I went to the vet a couple days ago, my balance on my CC card was paid off & I went to pay for vet services & found out that my card was repeatedly declined. I called Synchrony bank & was informed that my account was closed & they sent me a letter, but I received NO letter. I had to call my man to pay over the phone... so embarrassing.

Be wary of their "promotional offers". When you use a special financing offer - like 24 or 36 months no interest - you can't charge anything else on the card. If you do, your payments don't go toward the special financing offer, even though that was the earlier charge. Your payments get spread over the entire balance and if you aren't careful, you wind up with a hefty interest charge at the end of the special offer period. Due to this predatory business practice, we will be cancelling our Care Credit card as soon as possible. We've used these XX months same as cash offers with other companies and never had this problem.

I would not recommend this card to anyone. I was making payments on my account and my niece's account whose dog had extensive surgery. I made a dispute about two payments on my account (not insufficient funds) and they closed my account. I disputed the closure as my dog needed dental surgery and they would not reopen the account. I have paid off the account; didn't wait for the 180 days. Their response was "once the account is closed, we can't reopen it." No compassion or empathy given whatsoever.

Very poor customer service. Issues you call about are never resolved. I disputed the same charge 4 times because they would not complete the investigation properly. The representatives are incompetents and difficult to understand. They deliberately disconnect the calls because they don't want to help or hope will go away. Sychrony Bank offers terrible business services. Stay away as you will not receive good customer service and not worth the headaches when needing assistance.

Soon as I paid the card down. They lowered my limit without a notice. The interest fees are crazy and the reps say whatever to get a payment. You will be paying this card off forever to not get any usage from it, I wouldnt recommend this card to anyone for anything, unless it's your last result. If could have given this rating no stars I wouldve its the worst company ever to get a credit card from.

I have used care credit for a couple years now, never late on my payments. Never missed a payment. Had a credit for over $1000, they dropped my available credit down to $200 because my credit score has dropped. Who does this too their customers? It's disappointing, now I can't take my dog to the vet? I will never recommend this company to anyone ever again. This is how they treat loyal customers. Not very smart business practice in my opinion.

After 5 years of a credit limit of $500 i paid my care credit limit total without closing the account. Which was a total of $380.93. Later that month after making that payment, they not only took my payment, but they DROPPED MY CREDIT LIMIT FROM $500 TO $250! How dare they do that to me after i just paid it in full! Now they can cancel my card. I am done and will never in life use them again. My family is furious how they did me and they are closing their accounts with them too. They will treat you like $#*! and take your money! All they have to say is "terms and conditions"! Get a better credit card. DO NOT GO WITH CARE CREDIT!

Just don't do it! Trying to join a class action lawsuit so I don't want to list all my experiences. They are crooked
In my opinion.

I paid my bill on time every month. For no legit reason, they dropped my available credit from 500 dollars to 40 dollars. I used the card for my service dogs needs, and 40 dollars is useless. I will pay the card off and throw it in the trash. Will not do business with this company. Raise the interest rates too high, rude customer service and dont appreciate the loyalty of their customers.

Aspen Dental tells you in a little room it's great. They submit my info and was approved $4000. They tried immediately to get me to buy $120 toothbrush and get teeth alignment system on my 1st visit. Aspen and care credit are in a dirty business relationship. Because as soon as I said no to both. Personality changed and after 4months of not maxing out my limit with care credit the cut me down over time to $500 credit limit. My credit hadn't changed. I just wasn't maxing it out like they wanted me to. I wanted to save my credit line for emergency dental procedures. That wasn't acceptable to Aspen or Care Credit. I'm paying the balance and closing the account it's criminal what they did to me.

If I could give it 0 stars I would. Stay away fromj these people. I reported them to FTC, Dept of Consumer Affairs & Better Business Bureau. Before I applied for their card, I phoned them and talked with Maey, Customer Service Rep. She assured me it wojuld be a "soft inquiry." It wasnt. She lied & I recorded the conversation (smart me). Within 5 minutes of applying, I was notified by all 3 credit agencies & 2 credit cards I hold that a "hard inquiry" was made on my credit. My credit score went down by 5 points because of the "hard inquiry." BEWARE of fraudulent, unethical people like these folks.

I've been dealing with Care Credit for a few years. I've always paid on time, ahead of time (every 2 weeks) to avoid interest charges! My last statement I paid the bill in full ($192.00) before the 1st of the month (due date). I didn't think about CareCredit again because my statement reflected a "0 balance!" A few months later, when I checked my credit score, it dropped from over 800 to 696! Care Credit charged me interest on a zero balance! I called and the customer service Rep that I spoke to could not explain why I was charged interest on a zero balance; 🤔 and why was the interest reported as a missed payment(s)! She avoided the question, or she didn't understand, nor did she want to understand! I'm outraged, especially after reading the reviews. This appears to be their M.O.

I have never had an experience of using specially designed and produced credit card for health care needs. It's rather peculiar to me.
On the one hand, indeed taking care of health is too expensive, and it's cool that you can easily apply for it here, the decision is made quickly, without any hassle and then you can freely pass check-ups and whatever you need.
So, thanks to the service, I can't say anything more. They rescue a lot of people who need assistance in terms of health but can't afford it.

The company closed my account after I called and explained to them. That I misplace my care credit card. I called and spoke to one of their representatives and the woman assured me that they were replacing the card with another one with the same information and nothing changing. The next morning my wife had to go and see a dentist and my wife had to pay $300.00. I had the account information to use until my new card arrived. However, it was an embarrassment for my wife because the account rejected payments. My wife came home and I called Care Credit to only learn that they had closed my account after the fact, due to a review of my credit score dropping to 625 among a few other things.
I will never apply for a care card again. I am glad that I am free from this company and that I do not owe them anything. I would not recommend any person to sign up for a care credit card. They also charged high interest fees after their so-called promotion so, please be careful not to get caught up in their scheme. Guess what three days later I received the new card. I destroyed it.

Do not recommend! I used care credit for my dogs cancer treatment. I made a payment of 6k so we could have enough to pay for her remaining treatments. We were told it would take 48 hours to post. My account shows the payment was made but they won't give the credit for another 8 days! I need this to pay for my dogs treatments and I can't use it. If I had known, I wouldn't have made the full payment so I would have enough money to cover. Shame on you care credit! You have my payment and I should have plenty of funds on the card to cover her next treatments but they won't provide it. Will never use again.

My husband and I applied for a Care credit account to finance our cat's dental surgery since we are still paying off our late dog's MRI. None of their reps would tell us how it works. My husband, a finance guy for 40 years, refused to believe the vet set the promotions. We spoke to a care credit manager from India with the name John (telltale sign right there) who promised to help walk our vet desk through the 60 month free financing the day of the surgery. We even recorded this since he was on speaker. Only to find when we called after the surgery that the call was not even noted. I will pay this off before they get a penny of my money and close this account. Shameful

Dishonest. Total lack of transparency. Customer service will literally laugh at you once the fine print lines up and they've got you. Please be careful. They are taking advantage of desperate people.

This company separates interest free "promotions" without clarity or alerts even when you have opted in for alerts. I was charged almost a thousand dollars extra for my pets surgery due to unclear promotional time frame splits for a single incident. When I called and waited for a supervisor, they offered no remediation or concern. I immediately paid off the full balance and cancelled this card. Do NOT recommend this institution which feels dishonest with complexity on interest promotions to consumers.

Care credit is a horrible credit card. They closed my account for no reason. I had a zero balance, was never late with them when I used them. All of my other lenders or other creditors are all paid on time and out of the blue they closed my account. Very poor business practice. Would not recommend this kind of business it will mess up your credit score.

Do not use this company to buy heading aids. I was told if you pay the amount of the hearing aid within one year you will not be charged interest. It makes it seem like it's a loan which it is because they pay off the hearing aid. However you will be hit with late fee charges like crazy. So don't go there

I've had CareCredit for years and have always been grateful for this type of card. They recently reduced my line of credit, maybe because I hadn't used it in a while, but when I requested an increase of $5000 for dental work (pay over time), I was instantly approved. I also received 10,000 points, which can be used on their rewards site. They have thousands of choices; I was able to trade in my points for a $100 Amazon gift card; awesome!
CC gave me over a year to pay for my dental implants (they have various interest-free pay-over-time plans). I'm very happy with their card/service and also with the Synchrony website, which makes it very easy to manage your auto payments so you don't get hit with interest and to ensure you pay off your balance in time. I would not hesitate to recommend this card to anyone needing dental, health, cosmetic, or vet services.