CareCredit

They decrease your entire credit line with no notice after only several months and conveniently after I paid it off for the 20th time. I found out only when trying to pay for surgery. The customer service (especially managers) are useless! With all excellent criteria met they discriminate and punishment clients that actually pay their bill and are stellar in every area. Literally any other card is better! Don't waste your time or money on this low level business. They inevitably will fail if this is the way they make money!

You have a promotion where they say there's no interest for x amount of months. But once the promotion ends, it was like 40 percent interest on the original Balance in one lump sum. I had two cards paid down to $200 left and now they are over 4K. Which is more than what I started with. They refuse to work me with and are extremely condescending and rude on the phone.
They send you monotony emails with your automatic payment but they say nothing about promotions ending. The manager told me that I needed to open the statement each month and read the tiny fine print at the bottom. What a joke. I have plenty other credit cards that had promotions on them, and each of those sent emails that clearly notified when they were ending and what date. Care credit is a sick scam and they will go to hell. Do NOT FALL FOR THIS.

I opened an account. With care credit... they never told me that I would be paying 29 per cent if my bill wasn't paid in a year! They charged me over.$350 for interest even though I paid my bill every month. They are sharks. Stealing money from people who need it the most! Please do not use them.!

Care Credit is one of the worst companies in the Nation! I had my balance paid down to $500.00 and they charged me 26 99% interest gron the original amount that was used! Wow Never again will I use them! I advice everyone Medical facility that recommend then to STOP!

They will report you to credit agencies even with zero balance if you have. 50 in interest not paid due to check being in the mail with correct amount for that time line, but you accrued interest during those 5 days...

I was told by merchant I had 2 years to pay with no interest. At 1 year I was charged $705 interest for the entire year and continue to charge $45 per month! I should have a balance of $1015 but have a balance of $1952...$937 interest! They could care less about people they should not be called CARE CREDIT if that is a complete lie!
They are criminals!

I'm pregnant, unemployed, about to go back to school after I deliver and they can't even lower my payments or work with me until I get my school loans in 5 months. They are ridiculous. I've been a paying customer for 9 years now and they don't even care. Carecredit should be called nocarecredit.
Interest rates are 23% which is INSANE

The worst credit card company ever. Watch your bills closely because they will sign you up for insurance without asking. Make sure you pay your debt off before the interest kicks in because if you don't you will never catch up to their 26% interest rate. They are thieves and do not care about you or your situation.

These people are experts in cheating or actually scamming people, applied for a loan to pay for my wife's surgery... was approved with no interest loan then I noticed the balance is going down with the full amount that I'm paying every month, so I looked into the statements and found they charge fees and adjustments every month depending on the balance and definitely would have been less fees if they were charging interest! Never again with these scammers

Beware of carecredit by sunchrony... big scam

I used this card to pay for my wisdom teeth removal over 5 years ago and had paid off my balance within a few months. Just found out from my bank that Care Credit has continued to charge me random amounts multiple times a month for years. Took me two hours on the phone with my bank to file each individual claim and it totaled to over 1k in fraudulent charges. Do NOT use this service!

If you don't pay off balance before end of promotion date, they don't charge high interest on the balance (which would seem fair) but on the original payment! So a $10k loan sees $2.3k fee suddenly hit the day the ‘promotion' ends, even if you've paid off eg $8k. This is so unusual and unexpected, it's unbelievable that it's legal. But their small print must allow this. So beware; it may not be a scam, but it does some things that are in the spirit of a scam. Avoid! Use a regular credit care OR make sure you've paid off 100% by the end of promotional period.

I'm essentially going to have to pay over $5000 on a $4000 loan. They are all over the place even their managers. I was told I could have deferred payments after covid hit and could pay remaining balance by October. Even managers were extremely rude. What is the point of saying calls are recorded when you can't easily access the recordings? Or listen to them accurately. This company sucks! SCAMMERS!

They charge so many fees for a credit card that promises no interest and no fees. Even paying ahead on my card, they charged me $50 for not paying on time. Even though I gave them $1000 more than they had asked for the previous month. Calling them up is such a waste of time and I am so happy that I am financially stable enough to pay the whole thing off. Other than that they would've charged 200% the original amount in fees.

They only will give you credit when your credit score is wonderful. Made 2 vet purchases with this card and paid them in full within 30 days. I have 3 other cards with very low limits so if course they're almost maxed out but have NEVER been late with any payments to them. Since my usage was so high care credit just decided to close my account with no warning and said because my credit score was so low but I can reapply at a later date. No offense but F that!

CareCredit will not accept anything but a bank account routing number when attempting to pay the balance online. This means you cannot pay with a Debit card or HSA debit card without calling then and incurring a $10 charge to have a representative do it. I have to call and wait on hold every single time I make a monthly payment by HSA debit card. The other trouble is that the Dentist offices that use this service do not completely explain CareCredit payment options. The interest rates are very high, and I will be shredding the card and closing the account once the balance is paid off.

I had been a loyal customer with care credit for 5+ years. After covid they lowered my credit limit which as you know affects ones credit, then recently they closed my account for no plausible reason. I can't even log in to pay my bill. Synchrony bank and Care Credit are thieves and corrupt. Go with someone else or better yet just use cash. These huge corporations need to be dissolved. They are ruining lives.

You know of all organizations a healthcare supportive resource should understand patients vulnerability and the overall hurdles that one has to jump. The fact you cannot talk to a person, online portals do not recognize your account numbers, surveys are promised but not delivered, and calls are disconnected. Seriously, I couldn't even find a place to email/share my comment so I am here.

I have $306.00 in fees. Late 3 times that's some how $198.00 and they have a separate company that charges to keep your account safe. Ridiculous! These are the "solutions" to health care that keep poor people poor and rich credit card companies laughing all the way to the bank.

Current customer had my account over 1 year all payments on time all current account in good standings applied for joint account with my wife they excluded her info have me account refused to add her to my account said I'd have to reapply and then wouldn't even increase my credit limit when I was told after making on time payments for so long they automatically review your account for increases outrageous interest rate suppose to help you build credit garbage we will be paying our last 2 payments and getting rid of this crap card stay away from these people

I have been called several times in the past 2 years that charges are being brought against me in a civil suit in court. I used care credit in 2006 at the vet when our dog passed away. This was paid off years ago! I have never received any letters in regards to this issue, this does not show on my credit report but yet they fell it necessary to call and make threat to me on my cell phone, my husbands cell phone and my father in laws cell phone number. I don't know how they would have gotten these numbers, I do not use them as a primary I still have a house number. And my father in law I don't live with him and never will, but yet they threaten to send someone to his house after me. Horrible company! 2006 to 2018 wow that's a long time, if I owed money why was I not notified a long time ago?

When I called to inform about the passing of my wife and wanted information about the account the person was actually laughing on the other end of the line when I asked. I could go on about how horribly I was treated and the sneaky things they pulled on me but I will just leave it as run don't walk from synchrony and care credit. The customer service people are the absolute worst ever. Closed the account and told my dentist what happened so he would be cautious to recommend.

Charged a 2000. Dentist bill made substantial monthly payments had a 451. Balance left charged me 424. Deferred interest if you dont pay bill within a certain period of time you get charged all the interest in the end liars and frauds cancelled my card scam operation

I have had a credit card with care credit for 51/2 years no problem until this month. I received a letter stating that my credit limit would drop from 6000. 00 to 2000. 00. I have never missed a payment nor ever been late always paid ahead.