CareCredit

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.

Don't even think about doing business with these guys. They deny your payment so they can rape you with their crazy high interest rates.

When using CareCredit they will automatically enroll you into their own security program that automatically takes money out of your account so you will not pay off your account in the allotted time so they can then charge you their huge interest rate. Make sure you check your monthly statements! It is a pretty sneaky way to make sure you can't pay off your loan!