CareCreditReviews of carecredit.com

If I could give 0 stars I would. I just missed the deadline for a 0% promotion which I didn't receive any correspondence about and I was charged a ridiculous amount in interest. I called to inquire about having it waived if I paid the balance in full and was told a flat out no. I would not recommend this as the rate is ridiculous.

I have been making monthly if not bi-weekly payments, had my credit go up 40 points since March (it's mid July), and I have been paying down my other cards as well. My initial credit limit was $2,500 and find out today checking out at the dentist that they dropped my credit limit to $250! So now I have 90% of my availabile credit utilized. From someone who has been working their (i'll say) butt off to improve their credit, care credit just screwed me. When I spoke to a supervisor regarding this situation I was informed they sent the letter yesterday regarding the credit limit change which was the day they changed the limit. Overall bad business, from the communication to the way they hurt my credit from closing my account (with no communication) previously for paying off the card and not using it for 3 months to now dropping my overall credit limit by 90% and not caring about the affect on my credit score because of that move. I will be paying my balance due and closing the account. The buisness I work for also uses care credit. As an emergency veterinary technician I will promote them to save a fur babies life, but tell the owners to close the account asap because this is not a company worth working with long term.

Don't do it. You're better off getting a regular cc with no interest for whatever time. I did a balance transfer of 100% of what I owed and they're telling me I still owe for interest on top of interest that I ALREADY paid. Didn't care, wouldn't do anything about it. I've had this issue with another card once before and they took care of the issue...making their name quite ironic

I’ve had this card for a few years. It was honestly really great for me as a single mom. I’ve always done a great job paying promotions off in time and making payments early. This past November I noticed that a payment of $1000.03 came out of my bank account. When I called them to get it cleared up they said that they could refund me but the check would take 2-3 weeks to get to me. During this time, my bank had placed a “do not pay” while we tried to figure out why the money was taken. My minimum due for that month was $37 and I most likely paid $100, but no way $1000.03! Cut to the next month and I assume I make a payment but I’m notified that it was kicked back. I paid early, so I catch this before the due date. I call them and pay with a different card. Next month, the same thing happens. During Christmas break, I get a letter in the mail stating that my account was closed because of kicked back payments. Apparently, if you have two within a calendar year then the account is automatically closed. I spent FOREVER trying to deal with customer service to find out why my account was closed due to an error that originally started on their end. I was told I could challenge it by getting my bank to provide documentation that showed that there was a “do not pay” placed on their end that was never lifted in time and that may show that it was never my mistake. It should take 90 days. It took 6 months and was still denied. Since January, I’ve had to pay not only for my medication monthly out of pocket, but I’ve had to pay at least $600 a month to avoid interest rates and pay off promotions. That has been at least $1200 monthly on medical alone. Closing this account also butchered my credit. It was one of my oldest credit lines. When I asked them “what do I do now?” They replied with “you can always reapply.” I will NOT be and can’t wait to be done paying this card off next month so I can completely cut ties with them. Note: there’s even a questionable $200 charge on the account AFTER the account was closed. When I tried to get clarification on this they claimed it was some challenge credit (that I never made) and they gave me money and now I need to pay them? It makes no sense but I’m so over them that I just want to pay it and be done forever.

This used to be a great company. They weren’t money grubbing when I joined them years ago. Now? The customer service is hard to understand, not to mention my last call with them the guy was condescending and clearly has no idea what the customer experience is within their app. I do not understand why ALL my promo purchases AND standard purchases (non promos) aren’t all listed in the same place as they’ve always been so that I can keep track of what needs paid first and when. This random time my purchase is not listed there. Customer service kept telling me it’s on my statement and that’s where I need to look. Yes, but it’s not in the app where all my other purchases are, so apparently I’ve been accruing interest and didn’t know because it’s not listed with a “until paid off” label, it’s just nonexistent but still included in my total balance. This is a change from what I’m used to and what my other charges show so yes, I am confused. Not only that, but now you have to call to ask them to apply your payments to non promo charges first (otherwise they apply them to the charges you have six months to pay off) this is so you end up owing interest. They used to apply my payments to non promo charges FIRST, but they act like that was never a thing and now you have to contact them each time. And you can’t do it in the app yourself. Lastly, starting this year we don’t gain rewards points over $200 purchases. They can’t give us measley rewards to work toward a $10 credit anymore? Really? They used to have good customer service, kind, helpful, and for the customer. Now it’s clear their customer service just wants you to shut up and accept what they tell you. They’ve taken away many of the perks of being a client, and just jerk you around trying to get what they can from you in interest, it did not used to feel this way.

They just lowered my credit limit today. AGAIN. I've been paying on my balance, which is a promotional deal and will be paying it off on time in August. Yet they continue to lower my limit whenever there is about $200 available. Each time it's a ding to my credit score. It's not just Care Credit either - Synchrony has done this to me on EVERY single card I have that they service. It's not me either - my other cards continue to raise my limits. The interest rate is extremely high, and if you have more than one promotional purchase, carefully monitor how your payment is applied. This card is NOT worth it.

I wish I could've chosen under 1 star!! I'm so upset right now. Trying to do everything right with payments and responsible balance... Pay before due date with double/ triple payments above minimum payment and they drop my LIMIT by$4500?!!!!! Yea....I can really see how much they CARE. It's all business and nothing personal i know. What a world we live in. This WAS a big help for my family. They apparently don't need my business THAT bad. Their loss. I DO NOT RECOMMEND THESE FOLKS OBVIOUSLY!!! I called them and voiced my disgust and I get... sorry ma'am have a nice day😡😡😡

I have dental implants I need to pay for. My HSA does not have the sufficient funds in it as of now. I raised my contributions significantly but need the work done now. My dentist told me about CareCredit. Before I applied, I wanted to find out if they will take payment from my HSA card (Visa), you know pay with tax free money for the dental work. The rep. said sometimes it goes through and sometimes it doesn't. Not really the answer I was looking for like yes or no. As I asked her another question, she started talking over me and was very rude, so I got louder and put her in her place. After reading a handful of the 93% negative reviews, I am only guessing that the HSA cards never go through, I would find out after I have already made purchases on the account and am stuck with their inflated interest rates. I guess I am one of the lucky ones. Glad I did my research.