CareCreditReviews of carecredit.com

I used to recommend Carecrediy to everyone. After sychrony bought them though it screwed up the log in without warning so I couldnt pay a bill or access my cards and when I called to make a payment they entered my information wrong and then refused to remove the charge they put on my card for their mistake nor would they call back after I called 4 times over 3 months. This company is unethical and if I didnt need mt credit I would have never paid thay $30 because I certainly didnt owe it to them. I am canceling my card and will never use sychrony again. I get that no company has integrity anymore but the principal of this was clear. They caused a problem which made me call, they caused a problem by entering my account information wrong, they caused a problem by charging me $30, they caused a problem by never returning my call, they caused a problem by refusing to remove a charge they shouldn't have charged me and it was wrong. I am furious I have given sychrony my buisness ever and will never do so again. I genuinly hope syncrony crashes and goes out of buisness. This wasnt about the money. Obviously I have $30 but so does synchrony and it was the principle of it and this company clearly doesnt know what principles are. The customer service was non existent. I kept calling over months anf was told to keep waiting and they would resolve. Only they never did.

If I could give this company a - star I would THIS COMPANY IS A SCAM DON'T USE THEM THIS IS A REAL REVIEW RUNNN DON'T USE THIS COMPANY FOR FINANCING THIS IS THE WORST COMPANY IN THE ENTIRE WORLD THIS COMPANY CHARGES YOU AN EXTRA $350.00 ON TOP OF YOUR MINIMUM JUST FILE BANKRUPTCY IF YOU HAVE TO TO RID THESE SNAKES, LEECHES OUT OF YOUR LIVES THEY ARE THE BOTTOM OF EARTH SCUM EVIL..... I'm going to contact a attorney to see about filing a class action lawsuit against this company

These guys are worse than the payday loan people as far as taking advantage of folks. Our cat came down with a cancer that was going to cost us a tremendous amount of money, and they were our only option. We made every payment on time and generally more than the minimum. They charged us $1000 in interest in December. We were able to pay them off a couple weeks ago, and we just got another $75 charge for interest, and the Customer Service rep I spoke to said there was nothing she could do about it. I can see why they have a 1.2 star rating on trust pilot. Even with the on-time payments and more than the minimum, they raised our interest rates to almost 40%. It's a scam and they are despicable company. Please don't even consider signing up for CareCredit.

Although it is helpful for medical and dental paymens, the promotional charges are not made clear, and the interest rate is outrageously high, 32.99%. I was hit with a $1900 interest charge that put me over my credit limit. I called customer service to see if they could reduce the rate being a longtime card holder with on time payments, but no luck.

CARE Credit has helped me out when I’ve had veterinary emergencies, and they often extend credit when others won’t, so I appreciate them for that— hence the 3 stars. Unfortunately, I just had a bad experience with them, so I wanted to warn people. I had a balance of nearly $3,000, and the promotional pricing had expired, so the interest rate accrued suddenly and completely, and was compounding rapidly, so it was becoming unmanageable. I was able to get a bill consolidation loan from my Credit union, so my credit union sent a check to CARE Credit for the loan balance. The check was sent early last week, and all my other creditors received the checks and credited my account, but CARE Credit is pretending they haven’t received the checks yet, and the interest is continuing to compound daily! Delaying crediting the payoff check until the last second in order to keep charging interest is a shady business practice, and I’m thoroughly disgusted! My vet offers an alternative to CARE Credit now, and I will probably try the new card next time, as a result of this experience! UPDATE: My original review had 3 stars. I was disgusted that they had delayed my payoff check for more than two weeks, while they continued to charge me high interest daily, but I gave them 3 stars because they had extended credit when I’d needed it for several veterinary emergencies. Today I reduced my rating to 1 star, because I have a new story to tell! I am so angry! A few weeks ago, I paid more than $3,000 on my bill, reducing what I owed to under $100. I have made a payment since then, and I currently owe them just $65. I have never been late on a payment, and I have paid them several hundred dollars in interest over the years. Right after I made that huge payment, they abruptly reduced my credit limit from $3,000 down to $250. They’ve always been flexible, so I didn’t give it much thought. Yesterday I had another veterinary emergency, and the estimate was going to be a little bit over my $250 limit. I requested a credit limit increase to $350– just $100 higher. It was DENIED! Reminder— I’d just paid them $3,000, and I’ve never been late on a payment! The emergency vet clinic suggested I apply for a different emergency line of credit called Scratch Pay. Scratch Pay offered me credit of $2,800! Fortunately, the bill was only $259. The interest rate and terms were MUCH better than CARE Credit! Next month I’ll be able to pay off the balance of my CARE Credit bill, and I’m going to close my account! From now on I will use Scratch Pay for emergencies!

Straight scammed. I used it for my dentist. Never miss payments. What they like to do is constantly lower your limit with no notice to under your current balance and start charging you overage fees. Even though you weren't over your old limit. Some payments they dont even apply to your balance just to all the random fees.

The worst card! Don't get it, first time I used it they lowered my credit limit from 5000 to 2000 ON THE SAME DAY(OUTRAGEOUS) AND DON"T GET ME STARTED ON CUSTOMER SERVICE! ANYWAY, AVOID IT AT ALL COST!

My cat was dying so I used credit care and synchrony bank.. first mistake! As my cat was in the vet dying I was not able to fully understand that the amount I financed was a promotion deal and now they have lowered my credit limit and caused my credit to shoot down about 80 points! I was not informed and was told it was in my statements of th app if I scrolled down to the bottom, however I was not notified via email nor by mail about any changes! I tried to call and got an extremely rude agent, they said there is nothing they can do and since the promotion ended I have 30 days to pay $,1600. I explained that at the time my cat was dying and the gentleman stated I heard you I understand you said your cat was dying 3 times.. just not compasión and I really did not understand what I signed up for due to it being a difficult situation in the vets and an unexpected death of my cat. Credit care and Synchrony are a scam and horrible option!! If you can avoid it never choose them!! I wish I hadn’t and read the reviews first but my cat was dying so they got over on me! smh PLEASE AVOID CREDIT CARE AND SYNCHRONY AT ALL COST, WORSE FINANCE I’VE EVER DONE! THEY SHOULD NOT EVEN BE A COMPANY ANYMORE!