CareCreditReviews of carecredit.com

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..

Can't contact anyone. On line statement is terrible and does not show my payments. Also charged me a late fee when not late. In truing to Use their promotional no interest offer, can't tell by their statement when I have paid in full to avoid interest charges. How can I get confirmation of paid in full from them? Veterinarian recommended them not knowing their reputation. They will now!

I had taken out credit with care credit. $6,000+ was used for hardware for implants. One week after getting the credit I was let go from my job, meaning I could not afford the other $6,000+ to get the work done. I had the 12 month interest free plan. A month or so before the 12 months was ending, I requested an extension as I still had not found a job and they gave me one, which should have been good through the summer of 2026. I had a little over $300 out of the $12,000 left to pay off and next thing I know the bill is now $3,300+. I called and after an hour was put through to a supervisor who finally said if I paid $750 before April 2nd, they would wipe out the interest. I agreed. I even called back to make sure that notes were left and was told they were. On March 31st I went to pay the remainder and was told that there is no such thing in the notes and I need to pay the $3,300+. I was also told the calls were recorded and said "great, let's get the calls. They will show exactly what was said". I was put on hold and about ten minutes later, the lady came back and said the recorded call did not show what I said, but did show that they told me I had to pay the entire amount. This is simply not true. Also, how was she able to get my recorded call that quickly? I am going to call back today and see if I can get my hands on the recorded calls. this is not okay. I have still not been able to find a job. Imagine thinking you owe a bit over $300 and suddenly you owe $3,300+.

Their website is awful. You cannot access charges on the card for any decent period of time, like the previous year for tax purposes and you can’t access rewards points records. The points expire after two years but there is no way to see when the points were acquired

I used to have an account with these people, I used it for vet bills as well as dental expenses. I had this account for a while and was very up to date on payments. I never missed a payment. Suddenly, two years ago, I found out I no longer have access to credit. I spoke to someone to try and figure this out, I tell them I've never missed a payment and they told me that because I turned auto pay off, they took my credit away. This is absolutely BS. What does auto pay have to do with keeping a line of credit? Anyway, I continue to make payments, with auto pay on to not cause any issues. Suddenly the payments stop. I went to my account to sign in and naturally I forgot my password. I click "forgot password" and it takes me to a different screen, where I'm prompted to put in my account number, now I don't have this memorized, so I go to the chat bot and try to speak my concerns there. The chat bot doesn't work and no matter how many sentences I put in. The same message pops up "oops looks like my wires got crossed. What to try that again?" This company is very disappointing. As well as their partner Synchrony who is just as disappointing. If you wish to open a line of credit, save yourself the grief and go to literally anyone else.

Care credit is a scam, they are funded by Syncrony. They use deferred interest and once the promotional period ends you’re hit with thousands of dollars in interest. It's designed so that you never finish paying the card off. Every time I get close to paying it down, outrageous interest charges appear. I’ve lost over $4k because of this. Avoid CareCredit and do not bank with Synchrony.