CareCreditReviews of carecredit.com

I cannot stand Care Credit/Synchrony Bank! I had a dispute with a ripoff dentist and Care Credit continually sides with the dentist/doctor. They will make you pay no matter what the circumstances are. So then I start paying on my balance for about 7 months and notice the balance is off about 200.00 I call to find out why? They tell me it’s not at the zero interest rate anymore. Which I find hard to believe because it has not even been 1 year since I saw the dentist. I know I had 0% interest on my contract until I paid it off. It said so, on my statement. I’m going to pay this balance off and be done with these people. Also going to cancel my Amazon card as well because they are Synchrony Bank also. Everything going forward, if I need to, will be put on my Venture Capital One card. If you have a legitimate dispute, they will believe you!

I first thought care credit was a prayer answered for my Furbabies and that I would always have an ace in the hole for unforseen medical expenses for my children well I was so wrong. My first experience with care credit I thought was going great, I had a limit of 1,200.00 and had to max it out for a blood transfusion for one of my beloved Furbabies. I paid off the balance in full and was thinking I'm good now I have a fresh start now if I have another emergency. Was I wrong. I went to use my card and my account had been closed! I couldn't believe it, here I am at the vet and my card is no longer active and I have to pay out of pocket, boy was I pissed! I called them and they said the account was closed for non activity. NON ACTIVITY are you kidding me? I nor my cats are sick every day and I'm certainly not going to charge something on it unless it's necessary just to please you with extra money. I honestly thought it was for animals and thats exactly what it was going to be used for. Well for years they wouldn't give my card back to me even though I was in good standing. That should have told me I shouldn't appy again but I did and boy am I regretting it. They are so greedy. I have been paying on this card for going on 3 years now with no late fees and no minimum payment increases and all of a sudden they are saying I didnt pay the minimum amount in full and gave me a late fee to boot! I have always been on time with payments and send more than the minimum due. They informed me today that my minimum amount is now higher than it ever has been in the 3 years I have been paying on it. So dont ever go by what their mobile app says the minimum payment is cause it could be wrong as it was for me and get you in hot water with these ASSHOLES and I was informed that their app has no glitches, I told her that's a ball faced lie or I wouldnt be dealing with you. I'm trying to get this card paid off as soon as possible and I will never have their services in my possession ever again and I recommend you dont either. Sincerely Kasiba

(Now owned by Synchrony Bank) One of the most morally corrupt and incompetent companies I have ever encountered for the reasons listed below: First, they opened a 2nd card (completely different account number, a MC) without my approval. Second, they shuffled around charges between cards in order to create confusion and false dept which I never incurred. Third, when I refused to pay a debt which I don't owe, they reported it to TransUnion which affected my otherwise perfect (above 800) FICO score. Fourth, today, their online rep (Judy Herron) refused to tell me where the $500 was spent (BECAUSE I DO NOT USE THE CARD ANYMORE AND HAVE HAD NO BALANCE IN MANY MONTHS). She refused to help, remove the charge or look up the fraud report I filed months ago with them on THEIR FORM. They have listed charges on the fraud paperwork that were paid off years ago AND at least 1 charge at an establishment which closed long before the alleged charge was incurred (Queens Animal Health). This nonsense has been going on for years and I have reported them to the Attorney General in NY and in PA where the payments are sent but we all know they have no teeth and also should probably not exist wasting our tax $$$. Of course, my complaint is at least "on the record." More consumers need to write your reps and keep up the pressure and please vote them out if they do not help. There is also a "CareCredit Sucks" FB page. Good luck ya'll.

I just tried to set up a payment plan online. They would not speak with my husband who handles all the bills and when they asked to speak with me...They want a copy of my drivers license and a "selfie" of me! I screamed at the woman and told her that if I sent a selfie, my middle finger would be the picture. With all the Identity theft that is going on this is a stupide request not to mention I already have credit with them. I was also told zero interest for the first year and found out that I am paying 39.99 percent. No one needs credit this bad.

CareCredit is one of the most misleading financing companies I've ever dealt with. The way they handle their deferred interest promotions feels intentionally designed to trap customers. After repeatedly calling me to collect on my balance, they offered what they described as a special "promo" where if I paid off the remaining principal balance in full, they would waive the accumulated interest charges. Wanting to resolve the account, I immediately made the payment as instructed. After the payment was made, CareCredit conveniently changed their story. They claimed the payment took 14 days to process and that by the time it was applied to the account, the promotional offer had expired. As a result, they refused to remove the interest charges they had previously indicated would be waived. The entire experience felt deceptive. The interest fees are buried in the fine print, the promotional offers seem designed to get customers to make large payments, and then technicalities are used to avoid honoring what was promised. Customer service was unhelpful and offered nothing but excuses. I would strongly advise anyone considering CareCredit to read every detail of the agreement and get everything in writing. What sounds like a helpful financing option can quickly turn into a frustrating and expensive experience.

run away fast. I paid off my total amount, only to have interest continue to apply. Predatory af, I'm filling a complaint with the BBB

I received a card with care credit with 1000 limit. Have been using for my puppy. Highest use was at 840. Have paid down now to 620 including the first promotion no interest. Next isn’t due until 2027 but planned on paying another hundred each month until paid off. However no letter just a statement showing that out of the blue the take me down to a credit limit of 670. No explanation nothing. Never been late sometime multiple payments a month. So now I’m just going to close my account all together.

Don't trust this company....they don't disclose what they like to call trailing credit fees. Basically if you are ever late on a payment they will charge you a late fee plus an interest fee and you will have to pay that interest fee for two payment cycles even if you keep paying on time after that one late payment. Oh, and this is the case for deferred interest purchases. There are better credit cards out there.