CareCreditReviews of carecredit.com

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!

I feel mislead. My dog was about to die and I didn't have the money to save her. My vet said we had maybe 30 minutes because she had developed bloat. I knew she was dying and I was desperate. My vet recommended Care Credit. I was so upset when I applied I didn't look at the fine print. I get my statement today and see over a 1000 dollar interest charge. After looking further I see there was a promotion period and if balance wasn't paid my interest would go to 39%. I have no idea how I will pay it off now. Had I looked at the fine print I would have realized it and paid more monthly. Now I have over a negative 1000 dollar available Credit. I am thankful for the credit because it saved my dogs life. But feel the promotional period should have been explained better.

7/21/26: Just live chatted with a "Susan" b/c now Transunion states that I have a late balance of $87 when I paid the entire balance in full via Discover Card balance transfer AND CLOSED ALL MY CARECREDIT RELATED CARDS MONTHS AGO. Susan acknowledged that they owe me $8.07 but she refused to contact Transunion and state they were wrong. So disgusting. She and much of the staff need to be FIRED. Will write every org until they are punished, fined and inconvenienced as much as they did me and my credit score. Made up charges & accounts...never had a $500 charge yet one appeared on a 2nd account that I never opened. Disgusting company. They are owned by Synchrony. I have been disputing for many months. My credit was over 800 before Carecredit. All my other accounts are perfect and never tried to rip me off like Carecredit did

Stay away if you can! It took over 6 people until I finally spoke with the last person on why I can’t use my card. There agents in the fraud department are rude and one agent hung up on me after I told him I wanted to speak with a supervisor. I spoke with Amber and she was helpful at first an at the end was not helpful couldn’t even figure out why I can’t use my card. She said there isn’t much I can do.. so I told her so just wait for my account to close then since u can do anything or figure out the reason..All she said was I can transfer u back to customer service… so she did… and the last agent I spoke with if I can give her 5 stars I would. She explained to me why I couldn’t use my card and explained to me it’s listed hear on ur account… I got transferred all over the places and spent over 2 hours waiting…. Horrible customer service. At the end of all this I’m glad I didn’t use the card and glad my account will be canceling on the 16th of April… because who wants to deal with customer service like that… as a customer I sure wouldn’t… if u don’t like ur job as customer service then get a new job then..