CareCredit

Mysterious charges occur of hundreds of dollars above the original amount during the promotional period. Customer service does not help or address the issue. All you ever hear is we will look into it and send you a letter. A letter that never comes. Somehow they do manage to drop your credit score. Most of their customer service is from another country. Worst credit company ever. The Attorney General really needs to investigate them.

I have had this credit card for years, like more than 10 years! And now after more than ten years, they want to cancel my card because they can't verify my identity! It is the me, the same person with no name legal name changes. I have never had this kind of issue, not even with government and legal documents. They make ridiculous demands to identify yourself such as taking photos or video of self and they have about 3 options to pick from. Well, I did the photo option and they CANCELED my card because they said they could not verify me as the actual cardholder. They also wouldn't update my address correctly after calling more than once about it and I was not getting any statements. The email they would send with the bill had no billing address and would not even allow me to log in. Basically, my options were very limited to be able to make payments. Why? How are you going to make cardholders jump through hoops to make a payment willingly? Do you want to get paid? It makes no sense at all and why such a high level of security? To the point that it is very flawed and doesn't work because I am the person I say I am, yet you have me as not able to verify my person?

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.

My husband and I applied for a Care credit account to finance our cat's dental surgery since we are still paying off our late dog's MRI. None of their reps would tell us how it works. My husband, a finance guy for 40 years, refused to believe the vet set the promotions. We spoke to a care credit manager from India with the name John (telltale sign right there) who promised to help walk our vet desk through the 60 month free financing the day of the surgery. We even recorded this since he was on speaker. Only to find when we called after the surgery that the call was not even noted. I will pay this off before they get a penny of my money and close this account. Shameful

I made arrangements with this company to pay. Paid all of it and now they are hounding me for the rest of the money which was total interest.
Their foreign language people they have are disgusting.
I had a bad heart attack and talking to these people make my heart race so bad. I'm trying to get by on very little and they get their jollies out of upsetting people.
I paid for 9 years.
Don't even use this company.

I am extremely disappointed in this company. I've had a CareCredit card for years and have always paid MORE than the minimum. The one time I miss a payment, which was a misunderstanding that I tried to explain to them, they close my account and consider it delinquent and past due. There's nothing I can do about it even though I have re-scheduled the payment, and it was my first time. They said I cannot reopen or reapply until I've paid the balance. I will never open an account with them again. Horrible ethics. Sh!t customer service. Never again.

CareCredit was helpful when I had an emergency vet bill. I went to pay off my remaining balance today and noticed they changed my credit limit from $2,500.00 to $250.00. I was told they sent me a letter which I have never received. Thank goodness I didn't have to rely on that credit line not knowing about the change. I went ahead and cancelled my card. Not worth having an unreliable credit line open that might mess up my credit score. Buyer beware. There are a lot of hidden rules with this card you have to hunt to find or just find out the hard way.

My daughter took a care credit out for my dog who needed emergency surgery or would have died. I have been paying the monthly payment only to find out her bill has gone up not down. They charge 45.00 mth interest if the bill is not paid off in full. Should have read the reviews first but it was an emergency and didn't think about it. I would never recommend care credit to anyone! Plz read reviews on it, it should be illegal what they are doing to consumers! Her limit was 2000 something and it's now 3100, after paying monthly payments. There are many many reviews I found on it that has done the same thing to other consumers!

I had to contact this company today. I had a card with them for my medical expenses. I paid the balance off in full. I have a doctor's appointment tomorrow only to find out today they closed my account last week. After speaking to a representative, I was told I am a high risk customer. After being laid off from work due to covid, I took a month to get my payments back on track. This company doesn't even take this into consideration. It's really a plus for me because I will not have to pay them any money back, Terrible business practices.

I have been a customer for years. My card carries a small balance of $1200 on what was a $6000 available credit limit until yesterday. I have never received a negative reporting from this company and made all my payments as agreed. They decided to lower my credit limit to $1300 with a $1200 balance dropping my credit score by 13 points. This is horrible business to someone who has paid them well for over 5 years. I will be taking my business elsewhere Care Credit/Synchrony Bank. You should treat your customers better. Shame on you.

I had to get this card to pay for a vet bill to save my dog. The vet offered this card when I was in an emotional state. I had to use it again to put my dog in the hospital for a week and still ended up having to put him down. Now I'm left with a $4,000 bill and a 26% interest rate. I will never pay it off. Also, I have been waiting for a customer service rep for the past 30 minutes!

Don't get sucked into this. I have been paying on time for over a year and they have not once reduced what I owe. When I first signed up they stated as long as I paid on time the debt would be paid off in 1.5 years. Obviously that is NOT true. I will tell anybody who is thinking about using this to look into different options. These people are scam artists.

Unfortunately, I did not manage my CareCredit card closely enough. I didn't realize they had been assessing some phony Security Fee each month and then interest on that. Total Rip Off. I am cancelling my card.

Money grabbing bank run by bots algos and AI. No live representative avaiable. People hard working money is not in value for this printers.

I made a payment to my care credit acct and it said in writing that it would post that day. They lied. It takes 24-48 hours to post. When I called they told me it's written somewhere in the policy. Ok. Then why say something contradicting on payment page? Never trust credit card companies. Theyre all liars

What a joke. An 820 credit score- but their identity software had an issue with my covid hair. So sorry I even bothered. Just wanted to space payments on a big vet bill for my poor little dog. I could have paid cash- and will. Don't take the hit to your score! Avoid care credit!

They commit the crime of usury. Now 30% interest rates, teaser rates when you first start. I paid 2 1/4 times the minimum on a dental bill and ended up owing $168 more on my bill after the payment. They were once reliable. Now they are the equivalent of a Pay Day Loan service for medical bills. They are not a solution!

Payments on time but missed cutoff by 4 days and charged $5000 interest on ******* loan 29% how do you sleep at night. You are screwing customers that are looking for a little short term help and you double thier payoff? At minimum payment it would take 23 years to payoff

I had a credit limit of $6000 that I got in April 25,2023. They gave me 60 months to pay. I already paid $3000 as of December 2023. They then ran another credit check on me and said I didn't have enough high balance on my report. They dropped my limit to $3270 which now looks like I used 100% of $3270 which dropped my credit score-59 points. I reported them to the BBB.

Do not get this card. They closed my account out today. Yes I made my payments on time and I did pay my balance off on March 2020 way before my due date. So since I couldnt use this card for two month due to covid 19 they closed it out for no activity. Made my credit score drop. What a bull crap card this is.

Not only do they kill you on interest rates, they're one of the most difficult companies to work with. With everything going on with COVID19, most companies have compassion. I was 5 days late, payment do on the 4th, pure over sight. I went to make a payment on the 9th and discovered they shut off the card.

I called and sat on hold for over 45 minutes, they claim "due to COVID19". WOW!

Get a Discover card!

They are awful! You can make your payments on time and your balance never goes down how they get you is the promotional deal if you don't pay that promotional deal off within their time frame, they will tack on the interest and depending on how much you owe it could be 1,000 or more! Big time scam Please make sure you read the fine print.

5 Crowns in Mexico, 1K on carecredit, no promotional purchase for you as it's a foreign transaction. Big FU to carecredit. Wife had a hip replacement, my end was $7K, no promotional deal for you. 29.99% interest. F'ing pirates, I'm paying it off and closing the account. I get a better deal through paypal credit.