CareCredit

Have signed up numerous times. But still disappears. I give up on auto pay with them. You have been warned.

This card is the worst. Yall are better off applying for a loan or different credit card rather than this one. I applied and made 2 purchases on different years so each had different expiration dates. They set up a monthly minimum fee that won't cover the full bill by when a promotional purchase expires. (That's how they get you). Additionally, the money gets allocated in a way that doesn't make sense which ends up with an account getting more money than the other. For example, my monthly payment was $134 (way high) and my purchase that's expiring by the end of the year was getting 100 and the other that was literally expiring within a month was getting the rest $34. Like what?! I had to find a way to pay $600 dollars by next month because the purchase that was expiring later on in the year was getting all my money. When I called to ask about this the operator told me I had to call to fix payments a certain way every time my bill was due. Okay, so next month I call to put 100 towards my purchase due soon and the rest towards the other one. Statements come and nothing was changed. I call to inquire about the error but instead the manager starts yelling at me that I got the wrong info and basically talking to me like I was dumb. Well it was your mistake to begin with but whatever. So at this point I got over care credit and didn't want to deal with them again. Luckily I'm banking with a great union bank and I got a loan out and paid off care credit and I am now paying off my loan at a way lower monthly rate and no interest! Oh and btw when you call customer service expect to talk to someone overseas that can't come up with no resolution and gets mad when you start questioning things.

I called to retrieve my account number for paperless management. The first representative I spoke to was rude and condescending and lied to me about the abilities of her department. She claimed that her system was down and she was unable to look up my account at all, and then immediately afterward said that she didn't have the authority to look up my account. When I asked to speak to a supervisor, she tried to dissuade me by saying that the supervisor would say the same thing. I explained to her that I didn't care and wanted to speak to one anyway. She placed me on a silent hold and then came back and claimed she could not find a supervisor and then continued to repeat the things she'd already said. I repeated my request for a supervisor which she outright fought me on (what CUSTOMER SERVICE representative fights with customers?) and I insisted on still speaking with her supervisor. I reminded her that she is in the business of customer service and that I am the customer and the customer is always right. Eventually she backed down and actually put me on hold (with music this time) and another woman with the exact same voice came on the line, repeated the same things as the "previous" representative, became irate when I accused the "previous" representative of being rude and lying to me, and then hung up on me.

Stay far, FAR away from this company. If they treat customers with $0 balances this poorly, I cannot possibly imagine how they treat customers who carry balances. I still don't have my account number and no access to my account whatsoever. I cannot find my card and truth be told I'm actually afraid to order a new one. I just want the account closed and out of this nightmare that is CareCredit.

VERY high in interest - paid off the card in March 2018 - less than a month they closed the card due to inactivity. Prior to paying it off I was disputing a fee and was waiting for results, i logged in and discolvered today that they just closed the account 3 days ago. The dispute no longer is there and wanted to see progress - POOF GONE. Makes me wonder, their billing cycling now generating, sees a zero balance, a dispute and they decide to close the account. Keep in mind all payments were on time, just wanted to payoff the balance due to the interest so high on the card, I planned on having the card in case of emergency for the dogs, or dentist.

Spoke with a Adam Ross, no customer service skills what so ever. Probably reading from a sheet of paper

I BET IF I HAD A BALANCE YET THE CARD WOULD STILL BE OPEN -

THIS CAN REFLECT ON YOUR CREDIT REPORT THAT THE CARD WAS CLOSED WITH NO EXPLAINATION WHY - IN THE PROCESS FOR A HOME LOAN.

PISS ME OFF - REPORTING THIS CARD TO EVERY WEBSITE POSSIBLE!

This should be illegal not only high interest also a ton of fees for no reason. On top of that lower my limit for no reason.

Hello All,
I use to think Care Credit/Synchrony Bank was one of the best credit card companies out there. I am writing to let everyone know how incompetent, unprofessional, rude, and outright disrespectful this company is. Since Aug of last year (2022). I have been put on hold for excessively extended periods of countless times w/o being checked on. I have been hung up on, given incorrect information, been harassed by collections and you name it, by Care Credit.

I have been going back and forth with Care Credit on the same issue that is still not resolved to this day (Feb 1,2023). Aug of 2022 I was upgraded to the Care Credit MasterCard, which was an awesome way to show their appreciation for my being a good and loyal customer. They automatically closed the old card and sent me the new card. They did a balance transfer from the old card onto the new card, and I thought everything was fine.

A couple of months later, I started getting collection calls, so I called the customer service (or lack thereof) number. I attempted to find out why that closed card was showing a debt. For 5 months now I have been told that I made a purchase on the old card and I know for a fact I did NOT!

They could never tell me the name of the merchant or any detail of the purchase other than the amount. I have talked to countless reps and managers, having to explain the whole ordeal to each person with multiple transfers for 5 months now.

I have put in several dispute claims. When I would call to follow up with the claim, it was never put in, time and time again. I have recently come to find out that it wasn't a purchase that was made, but a mistake made by one of the incompetent CSRs. This issue has still not been resolved and I am told it will take up to 30 more days for them to respond.

This is absolutely unacceptable and no one seems to care about resolving my issue. One of which could have been resolved or not even happened 5 months ago, if they had competent workers. No one has contacted me to apologize or follow up to let me know what is going on with my case. No one has addressed my many complaints about the multiple reps and managers that I have had to endure for 5 months. They should really be ashamed of themselves!

In April of 2018 I signed with CareCredit to help cover the cost of dental work. The cost came to a little over $7,000.00. Supposedly, I was put into a promotional program that waved the interest for 12 months. However, I do not recall signing up for this program.

On October 31,2018 it was stated that if I paid the balance of $1,258.88 for the deferred interest per the Promotional Balance my account would not be charged that amount. However, this promotional program is a scam and should be investigated and shut down! Out of the $7,000.00 owed I have paid $3,632.00 toward that balance and as of today the balance owed is at $7,039.73. (This past June I canceled my card.) I can understand having to pay some interest on this account but nonetheless a portion of these payments should have gone toward the principal to pay down the balance. As it stands today, this account may never be paid off during my lifetime. After seeing CareCredit advertise on FaceBook I became upset and called them to voice my concern. They responded and sent me the contract I signed. However, I did not see the promotion program attached to this contract. I believe they are a fraudulent company, misleading consumers with false advertising. What me upset is that I check my credit report every week to stay on top of my accounts. I saw where I was charged interest on this account which caused me to be over the limit thus affecting my credit scores. I immediately called CareCredit again this morning and was told the promotional program is automatically renewed and even though I canceled my Care Credit Card with them, I'm still charged monthly interest on this account even though it's closed! What other company does this? I have paid my payments on time every month and have never been late! I had no inkling that I signed with CareCredit, a company who scams its consumers. The BBB, and Government agency's need to get involved and shut them down and reimburse every consumer the interest they paid to CareCredit!
Leonard B.

Big rip off please stay far away. All they care about is money, the apr will along put a person in serious debt

In 2006, I struck out on my own financially at the age of 22 and quickly encountered a medical condition that necessitated a Care Credit card (my first credit card, in fact). At the time, the bill totaled about $3,500 and I made regular payments as I could. Over time, as Care Credit changed hands from GE Money to Synchrony Bank, interest rose and I could not keep up with payments. After 7 years, the debt dropped off my credit report in accordance with California statue of limitations on debt. Just this June 2015 (9 1/2 years after I first opened the card), Synchrony Bank decided to engage in a lawsuit against me to obtain **$9,600** to include interest accrued over the course of 9 years. Without the means or funds to fight this, they garnished a working capital business loan that had just been deposited into my SAVINGS ACCOUNT to help my current retail shop stay open. They were merciless when I explained the situation, as I cited again that this was a nearly 10-year old balance, past the statue of limitations of debt collection. THey said I could pay in 2 installments instead, starting that day, but wouldn't release the $9,600 garnished until this was done, essentially forcing me to come up with an ADDITIONAL $9,600 to cover the balance before MY MONEY was returned to me. This is effectively putting me out of business and I absolutely cannot believe a credit card company is permitted to take these measures when the economy is so tenuous and people's livleihoods are at stake.