CareCreditReviews of carecredit.com

My 2-year-old puppy was poisoned by an unknown person. When we noticed she was ill. We took her to the vet. We needed $2000 to try to save her life. I had a $4000 limit on my carecredit. I quickly learned that they reduced my limit to $1000. When I asked why. After all, I never missed a payment. My credit score was over 700. My pay history was excellent. They said it was because I had high balances on 2 other cards. I said that was true when they increased my limit to $4000. My puppy died. 😭😭

They drastically dropped millions of people's credit limits with no notice or just an email. For inactivity. They say it's also for other things that they don't like on your credit score. For me apparently paying on time, making extra payments, having a good credit score was the reason mine was lowered by thousands to the point where it's absolutely useless? It would never cover a vet emergency. I was pleasantly surprised when I brought my service dog in the other week after just using this card in November for my cat. I only use this card for vet emergencies. It was one of the deciding factors to move forward with my son's service dog knowing we have this cushion. Well we no longer have that. It's awful what they're doing. Especially with lack of notice and for no real reason. I would totally understand if I did something wrong or wasn't making payments but that is not the case. This was a total shock the other day at my dog's appointment to have to pay hundreds of dollars. And now my credit card usage is like 95% or something crazy like that because they lowered it so low. And I'm still paying off the cat visit. Absolutely ridiculous. Sad. Unprofessional. Not to mention that your credit takes a hit when they do this. And if you go on Reddit a lot of people have mentioned that if their card was paid off and they hadn't had recent activity that they just closed their card totally. This is a emergency cushion for so many people. I know from a legal standpoint credit card companies can do this but I'm 40 years old and I've never had this happen before in my life. This puts us in a really hard position. It's just sad.

I am being charged a 30.00 returned check fee because my account number had an extra zero in it. It cost them 0. It was not a returned check. I was paying my balance off of over 2000.00. The payment never went anywhere because of the extra zero. They called it a returned check. Thats not my definition of a returned check. Just a way for them to get an extra 30.00. Do not use them. If you carry a balance (which I did not ) their percentage rate is very high. Blast them on every site you can.

Up until recently, I THOUGHT??? I had a good handle on my purchases and promo balances. That is no longer the case. I've spent hours typing to live chat + direct calls to make payments and request that they be allocated to specific purchases but when I look at my account online there's a balance of over $600 more than what I think I owe. Every time I do a live chat, I get the same response. They have access to see the payment I made BUT it wasn't allocated correctly so it continues to accrue interest I guess. I've been around and around so much, repeating myself, that I'm about to go crazy. All I want to do is pay off the 2 current promo balances and be done with CC! They still see over $640 due for promos that were not paid within the deferred time frame BUT this is incorrect. I've paid every promo off in time to avoid interest except for one which I paid on 6/7/25 and yet they still show interest due on it. Original charge $1319.08. When I called 6/7/25, I was told that charge + accrued interest was $1889.80. My son had used the card for his dog and was unable to make the promo date of 4/29/25 so............interest was accrued. Dang I sure wish I'd have paid it off for him in time but regardless, I did on 6/7/25. I have 2 current promos for 2025 totaling $910.00, I will pay those off within the next couple of days and no longer have anything to do with CC.

This company lowered my credit like the day after the card was issued. Every time i make a payment, they lower my credit line to below the balance due! They are uncaring and defraud the public by capitalizing off the grief of We The People. I hope the CEO’s dog dies the same way my cat did…..waiting for this messed up company to give a ****! Bankrupt this corrupt company and use a visa with a better interest rate. These jackoffs charge over 30%!

I called because I had a promotional purchase plan and I payed a vet bill which I tried to pay on-line but the system took my payment and paid the promotional plan in full. The customer service representative, was an ill man that said his piece and I said okay now fix the problem, he wanted to repeat and lecture me over and over again with the same thing he already said. He kept on telljng me go learn manners, as if I was calling to put up with his moods. He was a bit confused about the purpose of his job, so instead of being nice and saying I'll get this sorted for you, he was arguing with me because I refused to listen the same thing over and over again so I told him who was paying his wages and requested assistance in Spanish, then that lady was amazing, fixed the problem right away without being rude.

Absolutely horrible. I used this card to get my dog spayed as well as hernial repairs. It was $1100. My limit was $2,000. I got my card paid down to $800, and my dog also needed an infected broken tooth removed so we schedule it. I go to pay after the procedure and they denied it saying insufficient funds. CareCredit dumped my credit limit to what was still owed, never notified me, and I had to use rent money to pay for her procedure because they do not take payments at the vet. They absolutely screwed me, I got late fees and many more issues thanks to this. I keep paying it off, I wanted to be able to still have the $800 in case of emergency. Well after months of me paying early, and over the minimum payment, they randomly decided to close my account altogether. I only knew because I got an alert from credit karma that one of my account was closed. They closed my account because my PayPal account was in bad standing even though this one wasn’t. (My PayPal got hacked and it was a whole ordeal, I stopped paying because they refused to fix the fraud on my account) and because they are both synchrony accounts they closed my CareCredit because of my PayPal. I can’t even log in to pay, I have to call and pay it off. I am going to because I can’t take anymore hits on my credit but I will never go with anything synchrony ever again. I can understand canceling frivolous credit cards for non-necessities, but this card is specifically for health care / pet care. And they cancel it without a care in the world even if you pay perfectly. PayPal is my only account in bad standing all the rest are perfect. This company pretends they want to help you in a time of need but they pray on you knowing you’re in an awful spot. They love to make our lives harder and it’s evil honestly. I will never do any business with synchrony and frankly this company should be shut down entirely. Thanks for ruining my credit even though I was paying you early and over my minimum. DO NOT DO BUSINESS WITH THIS COMPANY IT IS A SCAM!

I have been with CareCredit for several years and have always paid on time. They just cancelled my account without notice because they mistakenly tried to pull a payment from the wrong account. When I saw that the payment didn’t go through I immediately called and made a payment over the phone. I went to access my account via the app this morning and received a message telling me to call customer service as my account was closed. When I spoke with the rep I was told that it was closed due to a returned payment. She asked if I had received a letter and I said I have not. This is bad business. The rep told me I could reapply and I stated “Why would I do that when you are conducting bad business”. I am lodging a complaint with the Consumer Financial Protection Bureau as well as the FTC. I am also contacting Synchrony Bank and lodging a complaint with them. I am also considering contacting an attorney and inquiring about any legal avenues that may be available. I would suggest that anyone on here or anyone who has or have had dealings with this scam company do the same. Maybe we can save others from this predatory scam company.