CareCreditReviews of carecredit.com

After spending hours today talking to FIVE agents (4 on the phone and 1 in live chat), after verifying myself repeatedly, after jumping through every hoop, I’m just told that they can’t give out the info that I’m calling for. Wasted the majority of my day on this. I was told they recently changed some policies. CHANGE IT BACK. And please train your people better. Ton of conflicting information and still zero resolution. Thanks a lot for spiking my blood pressure and adding to the health issues that I was trying to use the card for.

If I could indicate -3 stars I would do it. Do not for any reason go in to bed with this company. The terms of promotion changes when they feel like it and not when you sign up for the service. I was lied to about the terms of the billing and for 4 years I was still paying on a bill that I had paid off over a year ago. I was paying it by auto pay and told when the last payment came out of the account no other action would be needed from me. So for years I never received statements, but I was waiting on the shut off on the auto pay. So, when the payments got lower I was under the impression the end was near and everything would be done. I am in a dispute with them right now for over $2000 that's they took from me. Their excuse is that they change a promotion and interest rate on my plan but didn't communicate with me about it. This totals more than $700 per year just in interest and they said that I can't pay the bill off early because any payments will be applied to the principal interest on each month or year on the backend. So, in other words they want me paying them off forever. I'm seeking legal help on this matter and I would encourage the masses not to do business with Care Credit aka Synchrony Bank. Also, I believe a class action suit is needed and I'm willing to join the list of those impacted by these sharks.

If you have promotional and non-promotional charges, they make you call them each month to allocate your payment when the promotional charges are nearing expiration. They will pay off the promotional charge first if it is due in 2 months. You will be charged interest if you don’t call to allocate the payment. They will not waive the interest charge when this happens. Very disappointing customer service.

Mobile access is absolutely terrible. There is no breakdown of the charges and not sure how funds are applied. Customer service is the same way.

It's touted as having "no annual fee" but they pop in a fee here and there just to administer the account so it's deceptively expensive unless you're able to pay off your entire balance in one go (in which case why would you have bothered to use the card??). Their website is a train wreck; at least a third of the times we log on to pay balance it circles and circles and will not let us on. Who has time to try three times in a week to simply log on and pay? If you have any other options, give CareCredit a miss, imo.

I made a final payment on June 10, 2025, to completely pay off and close my CareCredit account with CareCredit/Synchrony Bank. The representative confirmed my account would be paid in full and closed. Weeks later, I received a new charge of $156.74. When I called for clarification, a representative named Sandra was rude and dismissive, telling me that interest would continue even after the account was closed — which makes absolutely no sense and contradicts what I was told when I made my final payment. I paid the $156.74 under protest, but this experience has been extremely frustrating and unfair. It feels like predatory lending, keeping customers in unnecessary debt even after full payment. I strongly caution others to think twice before using CareCredit or Synchrony Bank. They do not communicate clearly, they mishandle accounts, and they treat loyal customers with disrespect.

They take your money and allocate it as they please so they take all your money and make sure have to pay a lot on their already ridiculous interest rate. care credit is awful. all of my promos were paid off except 2. My bank sent a check to pay off 2 promotions. they paid it on one and basically took the rest of the money. No one could tell me where the other $280. She offered to reallocate it and then she opened back up the promos I already paid off.I talked to 5 people and noone could help. now noone will fix it... its awful.. DO NOT USE CARE CREDIT

If I could give -5 stars I would. This place will suck you dry even after paying your card in full. I'm not going into all the details but this place is a scam honestly. They should be reported to the BBB. Pay your bill in full? They will continue to charge you interest for months. MONTHS