CareCreditReviews of carecredit.com

I recently applied to partner with CareCredit and was denied. Reason being that I did not have a MD, DO, or Nurse Practitioner on-site to diagnose illnesses or prescribe medications. When I reached out to ask for clarification as to how they determine who to approve and who not to approve those who do not have a MD, DO or Nurse Practitioner on-site cause I know of a few standalone profesional providers like myself who have been approved and are partnered with CareCredit. I received no reply and no return calls. It’s really sad, if the denial is legitimate across the board for all professional providers why not reply.

Approved for $500. Had the card for 2 years. Used it 3 or 4 times. NEVER LATE...NEVER OVER LIMIT. About 18 months when I owed about 300 on it they suddenly dropped my limit to $250. Last month I paid it off and within 2 weeks they CANCELED IT! LAME LAME LAME. I have 2 very elderly cats, that card was my emergencycard for them. I used it completely responsibly...like I do all of my cards. My payment history on the credit bureaus is 100 % on time. These people are a holes.

Their app is false advertising. If I could give them a 0 I would. They falsely advertise who uses them or is affiliated with them. The stores on their app aren’t affiliated with them. So you might use them for an emergency and get there and guess what they aren’t even affiliated! Then customer service doesn’t even understand the premise of this and are rude! I spoke to Samantha and Jess and they don’t care or even file a complaint number!

BEWARE! If you attempt to pay down your balance and make a large payment, they will freeze your card for 7 to 21 business days. That could be almost a month that you will not be able to use your card in an emergency! You are penalized for paying your down account!

Do not do it! They prey on desperate people trying to save their pets, fix their teeth, pay a deductible on a life saving surgery just to turn around and screw you worse that the most ghetto credit card, even worse than a pay day loan. I paid 4 times the minimum payment but they rewarded me by charging $168 for interest, IN ONE MONTH. $168 FOR INTEREST ON $1000, FOR ONE MONTH! The minimum payment was $40. This company should be shut down

I made two purchases on two separate occasions. I called to request the 18 months no interest on those purchases. On both occasions they would not give it to me. I don't see why they could previously do it, but now they can't. I'm upset!

I understood that my chiropractic charge of $2800 would have zero interest if paid off in 18 months, but I did not know that if it was not paid off ALL the interest for those 18 months would be added in and also the interest rate is 40%! I was able to make a final payment of that initial charge with a few days and they refunded my interest, but I had used the card a few more times and now the interest is 40%. I also tried to pay it off with a zero interest transfer balance card and Care Credit declined the payment. They are a joke.

Do not use this card service. They take advantage of people in a time of need and it is not explained in detail. If there is a balance at the end (which I assumed there would be none) and you don’t pay it off, they will charge you all the back interest at 32.99%. This is borderline stealing in my opinion. Taking advantage of a vulnerable population that use it in times of desperation is unforgivable. I ended up paying off my balance in full after finding this out because and I still got a statement for interest due the next month. What credit card does this? And if you’re gonna give credit like this, you should send a statement making them aware that the promotional period is ending, and there will be a balance due. They sure let you know if you’re late on a payment. I don’t understand why there isn’t courtesy the other way. Will not use them again. Everyone should file a complaint with their states consumer and financial affairs division, write to their attorney general as well as all of our local politicians. Also the medical, dental, and medical veterinary examiners board. This should not be happening.