CareCreditReviews of carecredit.com

I thought this was supposed to be a good card for pet expenses since they usually offered a period of no interest with vet charges. I always paid my balances before the promotional period ended as with my other credit cards. However, in 2021 they opened a MC Rewards card without my permission (all credit card companies send new cards when the previous one expires so I assumed the newer card was the same). They created a $500.00 charge and refused to remove it even though NO purchase of mine has been $500 and it is on a card that was supposed to be closed. I requested the REWARDS MC to be closed more times than I can count. I only ever wanted the ORIGINAL CareCredit card, not a MC rewards or any other card associated with them. With multiple cards they can easily create false charges. Then, they threaten your otherwise perfect fico score by contacting credit bureaus claiming a missed payment. I do not owe that money, but finally paid "under protest" by transferring to my Discover Card with 0 interest for the sole purpose of never dealing with them again. They still owe me $500.00. Today (7/21/26), after paying off the erroneous balance and closing the account, they again told Transunion that I owe $87 which is complete BS. Even the dashboard on their website says they owe me money!!!@@ I chatted with "Susan" who admitted to seeing the credit but refused to contact Transunion

DO NOT TRSUT CARE CREDIT!!!!!!!!!!! I was given care credit at the doctor and I was given a monthly payment amount of $65/mo to pay for the charges. I received no documentation, card, or anything. Last week they charged me an additional $500 in interest because apparently I if you don't pay it off in 1 year they will do that to you. No one ever told me. So this means I would have had to been paying them over $100/month. Then when they did this, they reduced my "credit line" to below $500 and reported it so my credit went down about 40 points. Then I had to pay off the FULL BALANCE, depleting my savings. SHAME on care credit for taking advantage of sick and disabled people in such a disgusting way. They are horrible humans.

DO NOT GET THIS CARD!!!!! They change the due dates and then the “customer service” is the worst ever! I’m paying mine off just to get away from the hassle! I hope someone files a class action law suit against them and Synchrony Bank. Both are out to rip us off!!!! DO NOT USE THEM

I’m quite frankly confused. If you have a “Freeze” on all your credit reports with all major credit reporting agencies, and the “Freeze” has not been lifted, then how can CareCredit claim I’ve got bad credit and deny me an increase? Especially when all payments to them have been paid on time and whatever is paid is always more than what is owed. I don’t recommend CareCredit to anyone. The sooner I pay them off the better.

Care Credit greatly helped me save my dog, Jigsaw! I am in between jobs so don't currently have pet insurance for him. Then, Jigsaw ate some trash on a walk and started vomiting everywhere - I had to rush him to the vet because he wouldn't stop! I was soooo worried that my vet would charge me all at once, but because I have Care Credit, they allowed me to pay over time, giving me time to get back under my feet!!! I even had to call customer service about a bill question, and they answered my question within 5 minutes! Cannot recommend Care Credit enough for helping me save Jigsaw without going broke!

What a bad company! The worst I have ever seen! Lying about fees adding extra fees and interest with no explanation! Try and talk to a manager is like pulling teeth ! I wish I never ever dealt with them 10 👎

Gave one star because they wouldn't let me give them no stars. Had a cat emergency. Got a care credit account. A month later, I Have yet to see my card. They got the billing part right. They have no respect for card holders. Your call is important, that's why they have a machine answer, that machine asks for the same blinkin information you'll have to repeat to an agent after an outrageous amount of hold. Can't trust them to call you back. The agent has little English comprehension. That's how important your call is. THERE IS ALWAYS A HIGH CALL VOLUME, showing they just don't have enough respect for customers to hire enough people. Plus "VERIFY YOUR ADDRESS." He's looking at it. Why? Send the card. Do the job right.

One star is way too high for them. Look at all these negative reviews! They shouldn’t be allowed to operate a business. I paid my bill on time and paid it off just for them to close my account lolll. Wonder if I can report them to the BBB for being unethical, thoughtless idiots?