CareCreditReviews of carecredit.com

So I have had a care credit account for a while now. Making my payment on time and even paying extra. I tried to make my payment last month but I couldn't get into the app to pay. They made changes to the app. I called the customer help line and they told me they cut my access to the app for none payment. I told them that's a mistake. I said I owed $0 because I had been paying ahead. They told me that they wouldn't give me access to my app account until I made a payment. I did just so I could get my statements and prove it was a error. They still won't give access to my account. I checked with my bank there are no returned payments. I can't see my bill or get access to my statement. My statements are online to save paper.

If I could give zero star I would. Customer service is unprofessional, call center somewhere in the 3rd world. They have zero solutions to any of the issues with this card. Cancelled card because of the non sense

**THEY R SCAMMING ME, WITHOUT EVER ALERTING ME, OR WARNING ME OF A HIGH INTEREST RATE, ON A FAKE DEADLINE! I AM NOW FIGHTING THEM 2 STOP, A VERY HIGH ADDED INTERST RATE, TAGGED ON! EVENTULLY, I WILL HAV 2 CUT OFF (CARECREDIT) PAYMENTS, AT MY BANK, 2 NOT PAY THE CROOKED HIGH INTERST RATE** P.S. IS TER A CLASS ACTION LAWSUIT, AGAINST THEM?

Getting raped by them is an understatement they will vigorously assault you to the point that rape would’ve been preferred. A one year loan will turn into a 4 year loan that does not get paid down unless you fully pay it off all at once. They will destroy it’s like multiple people taking their turn with you unless you’re bleeding out on the ground from every member of this company raping you so hard. You will he dead by the time it gets paid off. And honestly this loan will most likely go to your kids because it doesn’t get paid off. I’m not joking unless you pay the whole thing off at once you will continue getting raped by this company. Do not use them for any reason stay away

I completely paid off and closed my account the same time. Carecredit then came back and charged me interest after I closed my account. When I paid the interest off I requested a statement for a zero balance and closed account to be emailed and they are giving me a run around on that! Will NOT recommend them to anyone!!

I opened a 6 month no interest promotion on 10/08/2025 for $12,000. I set up automatic payments from my checking account. The first payment did not go through so a late fee was charged. I called and the automated system asked if I was calling about a late fee. I said yes and it said the late fee would be reversed. Then I spoke to a representative and asked why the payment did not go through (there were sufficient funds). He did not know why but said there may have been a transposition on the account number. I checked the number but it only showed as .....0186. The representative did not know what I had actually entered. I made the payment over the phone and very carefully entered the account number again. I was assured that the late fee would be reversed. Later I checked the account and found that the late fee had not been reversed so I called again. The representative transferred me to a supervisor and she said only one late fee could be waived. I said it was the very first payment and there was only one late fee. Then she checked and said the system had waived the fee so that's why she couldn't waive it. I said it didn't show on the account and was told it would take a couple days to post. A few days later, it didn't post so I called again. This time the representative told me it wouldn't show on my account until the next statement was issued. The December statement is now out and there is no credit for the late fee. Is everybody lying to me? Is their system messed up? Did the supervisor get mad and re-add the fee after I argued there had only been one late fee? Are they all incompetent? I called again on 01/08/26. The representative again insisted that the “system” waived the late fee and it shows on my December statement. It does not. I said I wanted to open a dispute and was told I would get an answer in 7 to 14 days. That didn’t happen. It has now been over 3 months since I first called with no resolution in sight.

Worst credit you can apply for!! They basically rob your ass if you don’t pay off the first year!! Don’t apply unless you want to get taken advantage of and go broke cause of them

It is very hard to find their phone number for one. Long wait times. Then when you get ahold of someone they are not very helpful. I pd off my credit card back in October and in January I found out I had Interest charges of $8.06. I called in and wanted to pay off the interest charges and close the credit card. They said they could do that but could not guarantee there would not be any more Interest charges and to check my statement next month. I said I am not going to keep paying these small amounts because you can't tell me what the final amount is to pay it off. So i get transferred to her "supervisor" . He says the same thing. Tells me they accrue interest by the day. I said well what is the total amount then from the statement date to today for the interest and I will pay that amount and close my card. Said he couldn't do that. Didn't know the amount for sure. But I could send a check of about $11.00 and probably have a credit, I said I don't want a credit. wouldn't let me pay that over the phone $11.00. We argued. I said then pay the $8.06 set it up on Auto pay and let it pay the next interest amount of $4.00 or whatever it is and then close the account. We can't do that ma'am you have to call in and close the account again i said FINE just pay the $8.06 and set it up on auto pay and I will call back in next month. So then he sets it up and proceeds then next withdrawal isn't till next month. I said NO you need to take the $8.06 today because you have already affected my credit score and then you can take the interest on the withdrawal date. It me about 5 times explaining this before he would do it. BAD CUSTOMER SERVICE and they DEFINETLY TRY TO GET EVERY PENNY OUT OF YOU. DEFINETLY NOT HERE TO HELP that's for sure.