CareCredit

They give you a Promotional for 6 months same as cash which is great however if you use your card for other purchases and you want to pay that off they apply what you paid to the Promotional balance instead. You can even call and tell them you want it applied to the balance that is not promotional and they will do the exact opposite. I have been dealing with this for the last 6 months and I have decided to just give up with calling or messaging customer service. They have no ideal what they are doing. They proved that when I called today about the balance and the customer service person said " So I will send you a new card"
WTH I'm done!
I am only using it for promotional same as cash purchases from now on if I even do that.

Care credit started off great, then as time went on they turned out to be dishonest. There promotional payment is unclear and makes absolutely no sense. Every customer service rep I spoke with speaks very broken English and doesn't know how to explain their promotions or even how to explain your bill to you.

Also, watch out for their credit checks they do often that ends in them decreasing your credit to the point that you can go from only using only 30% of your credit limit to utilizing 90% which in turn drops your credit score and then they turn and do another credit check less than 60 days later doing the same thing.
Shady practices for a company that is supposed to be help people.

Zero Stars no Rating is too much!

I find myself on the phone with them every single month! Care credit does not track payments and allocate where they should. They go out of their way to see you don't pay off your promo balance on time and you won't if you don't keep track! Their customer service ( minus a small few) is rude and most UN HELPFUL! They add payments as a "new charge " and charge you interest on it then tell you it was not a charge but an allocation. The whole thing is a scam! I suggest pay them off ASAP then destroy the card! They are a joke and unprofessional facade. Steer Clear

They are taking advantage of people that don't have insurance. How many of us have insurance on our pets. My furry baby has a slipped disc, surgery is 3 or 4 thousand. Care was immediately recommended. Vet office feels better, they have given you an option. You feel like crap, you've seen the outrageous interest rate, you know you can't pay it off in time to beat it. All the time looking at the little animal that depends on you to take care of them. This would be a great card, if they actually gave you more time and a more practical interest rate. But that's not why you have a profitable business. Is there a pet care credit card out there that actually cares about pets?

Unbelievable! I thought I had seen it all, especially lately. Here we are down here in MS and LA, some of us losing everything we have, and Care Credit has the nerve to send out an e-mail that your "thoughts are with us", then in the next sentence, you explain all the different ways we can pay on our card? Are you kidding me? I know that you are in business to take advantage of people like myself that have an emergency whether it's to help ourselves or our pets, but this is beyond disgusting. How do you people sleep at night?

I never missed a payment ever, and was never late even once. Today I received a letter from Care Credit that they closed my account- no explanation of any kind. I'll never do business with them and will avoid synchrony
Bank at all costs despite they have the credit card market totally monopolized

First, I used Care Credit hesitantly. I had a pair of glasses plus contact lenses which I tried to cancel. They came up with this stupid idea, which I try to avoid. I made my payments on time. Finally, the bill came down to the last $ 700. I was very happy about me coming to an end to this. I said I'm going to pay it all off in one final payment. The care credit thieves tripled my bill and said some nonsense. I told them if they will take away the interest, and they said they cant. Now I ended up having to bay about $ 4,000. For something that started at $ 1500. Please RUN when you see CARE CREDIT. Honestly, they don't deserve 1 star.

Update: I shredded my card and they are still charging me $41 a month for so called security. They absolutely won't cancel it and they charge enormously for those so called promotional deals. Don't pay the minimum balance to these people because your balance will never ever go down not with the charges they stack up on it. I've paid them into the hundreds for the last few months and the balance never goes down. Soon I am going to stop paying these criminals because I've got other bills that are more important. They can come after me. I don't care. They are taking advantage of people and tacking on enormous security fees, and interest in promotional items. This isn't right.

I have used Care Credit to defer 26.99% interest charges on thousands of dollars of dental charges. This in and of itself is unwise as if anything goes wrong you may as well have gone to a loan shark. The setup is that if you have multiple promotions, are making regular payments, when you go online to pay off a deferred interest promotion balance, there is no way to designate or verify that the amount paid will be applied to that promotion payoff. You will then need to phone customer service and request that the payment is used to meet that promotional deadline. Bottom line- they set thier customer's up to fail. LEGAL SCAM! Buyer beware $

As I saw with other reviews, I am not alone here. They are incredibly unclear about their 'promotional period' and if you don't pay the balance in full at that time, you are charged interest accrued over the entire length you have been making payments - accrued to over 1000 dollars. Had I known any of this I would have happily just paid my bill in full the day I left the doctors'. Total scam, horrible service.

Just be warned. I paid off every charge I made with them on time and before promotional dead line! I had it for several years. Then my credit score drops a bit because of an issue not related to them. So they cancel my card and I go to use it for my dog emergency and I can't. No letter or e-mail telling me this at all. Don't use Care Credit go another way if you can. I wish I could give them a zero!

Please don't allow your dentist or doctor suggest this card to you. You have to jump through hoops to pay your bill. They make their money on late payment fees and over limit fees. I charged a dentist bill and the office manager said it didn't go through, so then they ran it again and low and behold, now I'm over my limit! And they were nasty about straightening out their own error. Run from this card. It has been a source of great stress for me. If I could give them ZERO stars, I would.

I recently had my carecredit account closed based on an apparent periodic credit report review. Didn't even know any credit card company does this. My account with care credit was well over 3 years old. Never a late payment and balance paid off.

Granted, I am working on repairing my credit following a business bankruptcy 7 years ago. This action by care credit shows that they are not concerned with their customers, as much as they are their bottom line.

Closing an account and indicating that it was closed at request of the creditor only further damages a persons credit score and report.

I have used this company in the past for both my own health care needs, and those of my patients. Never again, will I use them for either.

I've had numerous negative experiences with Care Credit in the past, but my most recent one was the final straw. I once had a limit in the thousands on the card; no notification from them that they were reducing said limit. When attempting to purchase new glasses I was shocked to discover that my total limit was a mere $280. In my entire life I have never had such thing happen to me with any card I've owned, so this insult just blew me away. I intend to pay off this card and cancel it once and for all. An absolute disgrace.

Read the fine print before you sign up, even if your dentist office makes it really easy to get this card. I was promised 1 year interest free on my balance but they "mistakenly" only gave me 6 months. I noticed the problem after they charged my account the interest from the past six months. Of course they said they can't do anything about it "They can't make any exceptions", even with the dentist office on the phone with me stating their error. Never again. I would stay away.

We brought our pets to a veterinary clinic and we didn't expect the bill to be outrageous! We applied for care credit on more than one occasion for veterinary services and every time we were turned down without no explanations at all! Everyone says they are so wonderful, but in all actuality, they suck and just made fools out of us! They don't even deserve one star!

My dog got sick and I was approved for 2000$ in June. I was using this along with my pet insurance to pay off his bill. I used $1800 of my credit over time. I made my first payment in July for $1000. When I went and looked 12 days later my account showed I only had 200$ available. When I called they informed me payments larger than 500$ take 2 WEEKS to reflect on your account. It would be august before I would see this money in my account again. Heed my warning even if you make payments on time and do the responsible thing they will screw you over. There are hundreds of credit card companies that actually care for their customers and warn them of things like payment delays or processing time. Also they will not inform you of process charges either. When I got the card it took them 3 weeks to charge me $30.00 for the processing fee. I haven't had the credit card for even a month and I regret it completely. Don't get this card.