CareCreditReviews of carecredit.com

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.

Horrible company, gives you credit then takes it back. Would not recommend to anyone. Read all the fine details. This company is garbage.

Synchrony is a terrible company. Closed my account with no permission, even though I used it often over the last 12 months. Charged a fee for an issue on their end and would not waive it. I have since closed all cards with this bank and will no longer do business with them.

Not a good experience. I had to finance an outrageous fee for neurotrophy treatment. People in pain will try anything to get relief. The cost was $11,000 for a few hundred dollars worth of equipment and a quick chiropractic visit once a month or so. Enter Care Credit to save the day. No interest as long as you pay regularly. Today I saw over $5,000 added to my accounts on a balance of about $4,500. (Sounds like a Vegas loan shark) I found out that it was in the fine print that the no intertest was for only one year. Now they have the upper hand an I assumed that the payments they billed me were designed to pay off the debt in time to avoid the Vegas style interest. They were NOT. I'm convinced that the payment schedule is designed to sneak up on the customer with a gotcha! I understand caveat emptor so I can only blame myself for this oversight. Still my recommendation is RUN AWAY. I can get a no interest credit card with more than a year promotion and not get hit with a 131% interest charge. Balance of $2,524.99 charged $3,300.35 in interest.

Definitely the worst phone system ever. If you try to enroll in auto-pay, there is no warning that you can't use a credit card for auto-pay. AI chat is also a joke.

Their visual verification software sucks. First, it kept reporting that my Android phone's camera was not there. I called them 3 times, and 3 times they insisted on sending me a new link, assuring me that it would work that time. I've been a computer software professional for many years and know how that shit works. They kept acting according to the definition of insanity. Second, I tried to complete verification using my wife's phone. It took 5 go-rounds to complete it b/c it kept nitpicking about the video and pictures. Finally, when it was satisfied with visual verification, the site told me to call an 800 number. When I called, I was told they denied my application even though my credit rating is way over 800. Morons!