CareCreditReviews of carecredit.com

CareCredit has to look hard to find so many rude people to serve as "supervisors." I have made a life choice not to have a cell phone. I'm in my 70s, own my home, have had this landline for 15 yrs, have many credit cards and a mortgage. My information is everywhere and my credit score is currently 847. BUT -- with no cell phone, CareCredit is unable to work with me! Many "verifications" come via email, a phone call, etc. I could upload a picture of myself and my Drivers License. NOPE! Unless I can receive a text, they cannot help. I've had a male and a female "supervisor" pick up the call. Both were dripping with sarcasm, and said that I am "unable to use a SmartPhone." I corrected, "No, I don't HAVE a SmartPhone." "There's no difference." I am shocked. For a company named "CARE Credit," they are about as rude as you can get. It is unfortunate that providers do not know this when they recommend them. Worst company I've ever dealt with: most unprofessional, rudest, sarcastic, etc. And certainly not helpful.

CareCredit closed my account after 16 years as a customer, despite thay fact that I l never missed a single payment to them. I had major abdominal surgery and was unable to work for six weeks. During that time, I couldn’t make my student loan payments, which caused my credit score to drop. I continued paying every other obligation on time—my credit cards, my other loans, and CareCredit. I have never in my life had any other late payments on anything. After those missed student loan payments affected my credit, CareCredit immediately closed the account I had maintained responsibly for 16 years. Having that entire payment history disregarded during a temporary medical and financial hardship was incredibly disappointing. I relied on this account for veterinary expenses. For a company that promotes access to healthcare and veterinary care, removing that support when I was already struggling felt especially unfair. Sixteen years of on-time payments should count for something.

Always made my payments ahead of time and never missed a payment this company droped my credit limit by $1400 for no reason. I will be closing this account be very cautious with synchrony bank

This company charges more than 33 %. Do not do this. They don't even have a grace period for payment. They charge 30 dollars for a late fee. Go to a credit union..like Good Neighbors and get a credit card or loan. Percent like 8 ,9 or 10...much better and you save so much money,! I will never do care credit again !

⚠️ WARNING BEFORE YOU OPEN A CREDIT CARD WITH THIS COMPANY I had a very frustrating experience with this credit card. I started with a balance of around $900+ three to four years ago and paid it down to under $300. I thought I was making significant progress toward paying off the card. Then I was informed that because I had not paid the balance in full within the six-month promotional period, they added the deferred interest that had accumulated from the original purchase, bringing my balance back up to over $800. What makes this even more frustrating is that my credit limit was subsequently reduced, leaving me in a situation where I am now paying back more than my available credit limit. My biggest issue is the lack of transparency. If a consumer is required to pay the entire balance within a specific period to avoid having months of interest added retroactively, that needs to be made extremely clear—not buried in the fine print or something the customer discovers after making hundreds of dollars in payments. I paid this balance down from over $900 to under $300, only to have the deferred interest added back and see my balance jump dramatically. Please read the promotional terms VERY carefully before opening this card. A “no interest” promotion is not necessarily the same as a true 0% interest offer. In a deferred-interest promotion, failing to pay the promotional balance in full by the deadline can result in interest being charged retroactively. (Consumer Financial Protection Bureau) I would not recommend opening this type of account unless you fully understand the promotional terms, the exact payoff deadline, and what happens if you have even a small balance remaining.

This company is disgustingly predatory. I owed $200 left on a purchase and made a $75 payment last night thinking I'd only have interest on the remaining balance of $125 but I woke up this morning to a new balance of almost $900! Charging the full interest on an almost paid off balance is asinine and shameful. I will be canceling my card TODAY.

As a new customer I paid my monthly payment on time every month for 5 months. I get a letter in the mail stating they are dropping my credit limit from $1000. To $390. Because I made the minimum monthly payment brought my credit score and ruined my credit, paying them off and closing my account and will never use them again if you’re debating on whether to use their company or not do not.

Tried to do the online application. Entered all my highly sensitive information just to have the site say they were having technical issues. Called the # hoping to complete the application with a rep just to be told that I had to complete it online. Seriously? Why even have a number then? I gave up. Now that I see their rating here, glad I gave up. Sheesh.