CareCredit

U paid off $25 above my 5000 balance to assure it would be paid off even if a finace charge occured. The app showed a zero balance. Welp, unbeknownst to be, they added a charge of $2. By the time i realized there was a problem it was 6 months later and the $2 grew to $20 something. They had reported me as deliquent and refused to take the negative report off my credit report even though i paid it off, again! It negatively affected my credit score making it difficult to find housing in a competative environment. ALL OVER $2 THEY ADDED AFTER I PAID MY 5K BALANCE OFF! CareCredit DOES NOT CARE!

THEY ARE TRYING TO CHARGE ME $1800 INTEREST A MONTH!
THEY ARE THE DEVIL
NO CUSTOMER SERVICE
NOONE KNOWS HOW TO DO THERE JOB EVERYTIME I CALL I GET SOMETHING DIFFERENT

May 15,2015 I placed $2,000.00 on my Care Credit card. They have been pleasant to work with. I have read the other reviews on here and have had the completely opposite experience with this company. My credit plan was 0% financing for 12 months (0% APR if paid off before the 12 months. After 12 months it would increase to 26%). I understood the loan that I had signed up. The woman that helped me establish the account was wonderful over the phone. I applied a week ahead of when I had to pay at the office and was given a $4,500.00 balance. I then used the card and it went as smoothly as other credit cards. The charge was on the account within 24 hours and the next statement started in the beginning of June. I could make a payment online, over the phone, or through the mail by sending in a check. I preferred to pay online and the statements showed up each month under the statement tab. I have only called twice and both times if I had any questions the automated system would ask me what I was calling about and then I would say my question and ask for a representative. It would roughly take top 5-10 minutes to get a person on the other line. They would ask a few verifying questions and then I would be able to ask my question. I have also used the CHAT online and I find it easier to get to the point and answer. I will use this loan company in the future. I paid off the credit of $2000. 00 in the beginning of August and have received a conformation letter. I did request this through the online CHAT. I have not had a bad experience and if you might have issues with credit or a loan this might not be a great card. They give you a few choices for the loan, different APR's for the length of months, and the monthly balances change on length of credit. CareCredit was a great card to use because my regular credit company would have charged interest on the 2 months it took to pay off. Thank you CareCredit for the great experience!

This company is skilled at collecting interest on "no interest promotional periods". I have several "promotional interest free charges" due to my fur babies getting sick so often and so expensively. Although I have outstanding credit with this company, I have to carefully watch EACH AND EVERY MONTH how they are applying payments. Even in the face of an expiring term, they will NOT pay on that charge, UNLESS you call in and insturct them like a parent to a child. They REFUSE to confirm anything with you. When I ask they confirm the amount I want allocated to a certain charge, their response is, I cannot tell you anything. Ummm, excuse me, but that is code for I will allocate your payment after you bother us enough in a given month. Oh, by the way, you are required to wait AFTER payment is made, then call them and instruct how the payment should be applied. That is, Dear Company, I have a promotional interest free charge expiring this month could you kindly apply the payment that I emptied my bank account to make to that charge? Oh and thank you Dear Company for taking up 2 billing cycles to complete that transaction so that you can collect your interest. Stay far from this company, they very unethical to say the very least about them.

WOULD NOT GIVE ANY STAR IF I COULD.
THE WORSE CREDIT CARD EVER!
DO NOT FALL INTO IT! :(( (((((
After many years of loyal relationship with care credit card, they treated me like nothing and canceled my credit card without consulting me about a missed payment back in December 2020.
My bank account was fraud and I needed to cancel it immediately. As soon as I got the new number, I deleted the old number and add the new one in my auto pay of care credit card. I have been with this card for many years and always used auto pay. Since they were unable to get the payment for the month of December 2020, They closed my account without any inquiry about the lack of payment. Just now I got a text message about it. When I called to see what was the problem, they treated me like I was a bad payer... a financial delinquent if I can say. The agent and the manager both behaved the same way. Customer service was horrible and I am afraid this can affect my great credit score. I am a very responsible individual and never missed a payment in my entire life. YOU DO NOT TREAT YOUR GOOD CLIENTS IN THIS WAY. SHAME! SHAME! SHAME! I WILL NEVER USE THIS CARD AGAIN.

I applied for Care Credit at my local vet, who recommended it to help aid in the dental surgery of my dog. So I activate my card and used it for the examination fee. I called Care Credit a couple weeks later and let them know that my dog was getting surgery. There seemed to be no issue. The representative said my bill wasn't due until next week, even though I somehow accrued a $38 late fee, which he said would be taken off on my next billing cycle. So I thought, okay - I'll get my dog's teeth cleaned and pay the bill next week.

The day of surgery comes along. I got to my vet to pay with my Care Credit card. It gets declined. They call Care Credit. A representative requests to speak with me. They tell me I have to pay my bill first before using my card again. I started to argue but because time was of the essence I said -fine - I'll give you the minimum payment early and swipe my card for the dental surgery after we get off the phone.

He says - no you'll have to wait at least 48 hours so the payment can process. Then he started talking about needing to pay for the late fee as well. I told him the late fee was taken off and this isn't the time for my card not to work. I have a sleepy pup who needs to go home and a vet that is looking at me like I'm dining and dashing.

He kept saying, "Yes, ma'am I completely understand" then goes into the - this is an attempt to collect a debt spill. I was so embarrassed, not to mention stressed from my dog having to be put under. The vet let me take my pup home and said I could pay at the end of the week. I thought I wasn't going to be able to take my dog home. It was needlessly upsetting.

I went home and made a payment. I called two days later and it still had not posted to my account. I am still waiting. Each time I call I have to talk to someone I can barely understand. I feel bad because I don't want to be rude but I have to keep asking them to slow down and speak up.

The account is run through Synchrony Bank and it is obvious from the consumer reviews, all over the Internet, that this company is a scam under the guise of medical credit. It should not be widely offered and I completely regret signing up for it.

I had excellent credit, then they send me a new card and said it was for an upgrade, I was randomly selected cause I was a great paying customer, and my credit was above 768... Well I get the card and activate it, thinking my old card wouldn't be good... well 30 days later, I get a credit alert that something has change on my credit, I check credit karma, an sure enough, Care Credit closed my acct! And my score dropped 93 pts! I ws livid, tried calling transunion care credit, they were just like oh we didt close your acct, I'm like, I'm looking right at it... CLOSED OCT 10TH 2017! Long story short, all they said was we will submit a ticket and if we are at fault, they will reverse it with Transunion, after telling me I activated the card, and if I read the long attorney like letter, I would have known that acct would be closed. I said I thought u guys said it wasnt closed. She didn't know what to say. So basically, they upgraded me, closed my acct, screwed my credit from an A rating to a D rating, and that was my thank you for being a great loyal cst.,, F... ed right up the butt,,, So moral of the story is, never upgrade with Care credit they will close out your acct! Kicker part is, I never asked to upgrade or close out the acct. Everyone knows when u close out a 5 yr card, your credit takes a huge hit@!

So thanks Credit Care for taking care of your great credit csts. What a bunch of unethical morons... Lets ruin someones credit cause they have great credit and close out their acct... Who does that? Baffled in Florida

I am very disappointed with CareCredit. My boyfriend and I use this card for emergencies with my dog. She has many seizures and is a bit much to pay out of pocket. So we have never been late on a payment. Our first purchase was over $700. They give you 6 months to pay off w/out interest. Then we used again for $450. So as soon as we paid off the first amount on the last day so there was not Interest. Two days later our account was closed. Say it was closed due to two payment that did go though. So to be clear yes it did not take one of my cards for a payment, but we made payment with another card. SO ALL PAYMENTS WERE MADE IN TIME AND PAID WITHIN 6 months. WE HAD OUR ACCOUNT CLOSED DUE TO A PROBLEM WITH THEM NOT TAKE A PAYMENT FROM A CERTAIN CARD. It seem as if we were punished for making our payments on time and paying it off within six months. I feel like they were disappointed, because they couldn't charge us interest they wanted to charge us. Not once were we never told. Your account will be closed if you try and make a payment and the card does work. Now we have to see what them closing our account will do to our credit. Oh yes and they closed our account. With us still having a balance of $400 to pay. Telling us we should still continue to pay off our balance.

I used Synchrony Bank with my T. J. Maxx card years ago and it was a terrible experience. When I hit a $20,000 medical procedure done my doctor talked me into using Care Credit with no interest for 12 months. I can tell you I wish I could just use my Chase credit card or talk to my bank about a medical loan. Care Credit is a nightmare. I paid on time and in advance and I finally ran into a huge problem when I had a bogus contract with a chiropractor's office. Care Credit and Synchrony Bank did not represent me at all. I had to dispute because the chiropractor it told me I could cancel it with a full refund if I was unable to get a doctor's clearance to use his services. I was unable to use the services and wanted a full refund and his office gave me the run-around and when I filed a dispute with CareCredit they never represented me. His office sent in some partial records and they went along with them leaving me a balance for services not rendered of $590. I was Furious. Synchrony Bank and Care Credit was not in unity and it was a mess. Yesterday I went to the chiropractor's office and saw him directly and he told me his staff had never told him the circumstances and he apologized profusely and wrote me a check for the balance of $590 for the refund. When I called CareCredit to let them know I had resolved the issue myself in my favor their representative was rude and uninterested other than curtailing the call as quickly as possible. I only wish the promise survey had come on after I completed my call with her but instead I got to dial tone when she hung up on me. In 20 years I never had a problem with Capital One or my Chase credit card when I've had the rare dispute. I have clipped my CareCredit card and half and we'll pay it off at the end of the month and be done with it. Be careful of the free months of interest-free used with Care Credit because when that. Is over your interest rate will be anywhere from 24% to 36% and that is no deal my friend. Use your credit card, get a medical loan and if you can't do that don't get the procedure. Run from Care Credit Synchrony Bank less

I've had that card since 2018. Used once. It's a plan B. Nope they canceled the card on me. *uck you

Like one other reviewer said, the complaints about these financial dirt bags is that people don't understand what a "promotion period" is. I got my card a few years back and charged it up to $10K limit with a 12 month promotional period. Paid minimum balance every month. On the 11th month, my calendar popped up with a reminder (the reminder that I set when I made my first charges) telling me to pay the card off that day. I did. Result: I borrowed 10K from these horrible people interest-free for 11 1/2 months! They soon called back and wanted me to get their regular card for 26.99%. I said "thanks, but no thanks." They then agreed to give me ANOTHER promotional card - this time for $7,500. Wonder, wonderful idiots! I will use this card in the exact same manner as the first. People: Learn how to scam the scammers. It makes life a truly beautiful and wonderful experience.

Read these words: DONT. USE. THIS. CARD. UNLESS YOU 1) PLAN ON PAYING THE MINIMUM PAYMENT EVERY MONTH AND 2) PAY THE *ENTIRE AMOUNT* OFF ONE MONTH BEFORE THE TOTAL IS DUE. PERIOD!

Everyone! Be very careful if you got this card. You can do only online payment. In order to do that you have to download the app called "CareCredit". As soon as you open the app, sign in into your account, there will be a system security payment that will automatically connect to your account. They will change a huge % for rest of your payment. Synchrony Bank will send you an email that you could cancel this option during 90 days. There will be link to their website and phone that supposed to help you to call them and cancel the option. But unfortunately it's IMPOSSIBLE! They did everything for you TO NOT CONTACT THEM! So you could still have this program and they could charge money from your account. It is like "legal robbery". You have to call to CareCredit service, contact with a real manager and tell him/her that you would like to cancel this function and that you need their help with this! Whatever they tell you, you know that they are ABLE AND RESPONSIBLE TO DO THAT! THAT IS A LАW! If you canceled the function before 90 days past, THEY MUST TO GIVE YOU YOUR MONEY BACK! THIS IS ALSO A LAW! Good luck and please try not to deal with unclear. ALWAYS CHECK THE INFORMATION BEFORE APPLYING FOR ANYTHING!

I can not wait until I finally have this thing paid off. It would be impossible to tell you everything that has happened with them over the years - but, I will do my best to give a synopsis.
1. Their website - designed to deceive. They have two types of balances - the 1 that is accruing interest, and the other that is interest free for 6 months if your purchase is over $200. When you make a payment, if you want your payment to go to the interest bearing balances, which I do - then you have to call them on the telephone (good luck getting through the automated system), and tell them verbally what you want done; otherwise your payment will go toward the non interest bearing amounts first - so they can continue to rack up interest on your other balances for as long as possible.
2. If you go to the tab for "Promotional Balances," it looks as though they are also showing you the interest bearing balances, but they are not. The amounts that you are seeing are not a summary of ALL interest bearing balances. I found that out the hard way.
3. In trying to get a straight answer about how much was still fully outstanding in interest bearing balances, I was told to check my jprevious statements. Interesting, considering the "activity" tab for your account summary will sometimes show the adjustments to interest bearing and non interest bearing balances. Sometimes.
4. Which brings me to the latest saga - if you want documentation that you've requested your payments to go toward one balance or another, forget it. For a while, I was using "messages" tab to try to get help. I guess they finally got tired of my calling them out on their "inconsistencies" because now they refuse to do anything, stating that they don't do this or that - when they have clearly done this or that in the past.

There's so many things that I could cite - but, the bottom line is that these are people who are deliberately and knowingly screwing other people over - working for these corporate blood suckers who are using them to do their dirty work. We all have to work. I get it - but, don't lie. Apologize - do something, but don't lie to me.

They don't want to work with you at all and is not worth the time to apply! They are very unfair for what they advertise

I had a account, for 1100.00 and i was on my husbands that was $750.00/the $750.00 was paid off well before the time and the $1100.00 only $200.00 used and was paid off before it was due, Thee jerks closed the $750.00 account within 3 months i had it paid off, I wanst even done with my dental work, then after a year they clsoed my $1100.00 account, without even a hint of a notice, when i was planning on using for the rest of my dental, Now I try to open another account for my vetrenarian costs for my dog which is a small amout, and i get denied, GREEDY NASTY COMPANY, ALSO THEY SHORTEN YOUR AMOUT SAY YOU START WITH A $800.00 LIMIT, THEN AFTER A YEAR BTHEN TAKE $200.00 AWAY, THEY ARE NO FAIR, THIS IS NOT COOL