CareCreditReviews of carecredit.com

I had an account of $1400. I was told no interest if paid off in a year. I made a payment of $300 at first witha check and snail mail. I assumed I would receive another paper bill. I did not. Email said I was late. I called and said I did not receive a paper bill. They said yes you did and you owe $39 interest. I wanted to pay it off right then on the phone buy you can't by credit card. i wrote a check, mailed it promptly. Today I get a bill for $1.99. ARE YOU KIDDING ME!

Dishonest company. They tell you that you have deferred interest but will not allocate your payment to the proper no interest bearing purchases.. They told me I had to call them for them to allocate the money to prevent interest. Even when I thought I was making the payment for the balance for my account,I still got big interest charges. This company is dishonest and the customer service reps don't do what they say they are going to do which is allocate the deferred interest charges. You don't even know it until your next statement after they take your money and then don't care when you call them to dispute the charges. It's best to let the Better Business Bureau know what is going on so they can help dispute. Never use this card. I'm going to throw it away. It's not worth it. Ice got better cards with less APR.

New account x3 mos. Used card 2x. Tried to pay, it says payment did not go through and charged me. I tried again and it did the same thing. They closed my account, I never heard from them outside of the normal statement. Took me until the 3rd month to get the app to work. I gave up and tried to pay off the $230 I owed and they returned it again. My bank does not reflect any attempts showing up. But I'm getting charged for return payment fees from them and no payment plus interest. Worst EVER! Tried to contact and they take notes, and no one does a thing. Chat bot it a joke. I just want this closed and done with.

Stay far away as you can, I was reviewing my email, when I noticed that my bill with them is back to $2600. I have been making monthly payments, even paying more than what was expected to pay. I have call them 3x because I could not understand what happened. The third time I called and inquired about why did it go back up I was told its because I didn't finish paying the promotion. But they can offer another promotion .. if I was to pay $1,400 by January 31st they will waive the $1600 interest fee. What???? Ok I get it I am suppose to be on top, but they have no problem sending emails to remind you to pay their bills. And today 1.2.25 I had called and was told that I only paid $273.00 toward the promotion. Are they serious from 2022-2024 only $273.00 . I had asked for my statements. The interest if you do not finish paying the promotion is 26.75% that is more than real credit cards. This is a rip off. After I pay them off, never again. So stay far away.

To whoever reading this stay away from care credit. I've had care credit for about 4 years and some change now. I've had 100% on-time payments with Care Credit and they still falsely closed my account and refused to reopen it due to a miscommunication, now I must apply for a new card. I had accumulated a balance of about $200 since October which I was paying off monthly, which wasn't bad. I just checked my credit karma and noticed there had been a change with my care credit account today, to my surprise my account was closed today. I was confused, as I've been making my payments, and my last payment was on December 20th. It's now January 1st. I have had no emails sent to me concerning any issues. Came to find out through a live agent that my account was closed due to 2 attempts of collecting my scheduled amounts that did not successfully go through on 11/20/24 and 12/04/24. I was not aware of it and If I had it would be an easy fix, had I received an email or any communication of the sort. Now I contacted the agents and asked If I was to make the full payment today would I be able to revive my account due to miscommunication? They then told me once it's closed it cannot be reopened, I would have to pay off the balance and apply for a new account. Also, my now closed account is in collections which is accumulating interest... and I had no idea till today. Honestly, I don't know what type of rinky dinky people are now hired but they are trained to take from the consumers not assist. I will not be using care credit anymore.

Terrible credit card and business practices. They have an archaic computer system. When one has several promotional balances that are due on different dates, the payments are not applied to the next promotional balance and interest charges will occur. One has to call the company EVERY MONTH to ensure your payments are applied to the correct promotional balance. Otherwise, you accrue interest charges. When you try and get this resolved, you have to call a different number (800-595-7319). Customer service acknowledged that their computer system is not able to identify the next a promotional balance due. They also acknowledge numerous customer complaints. I have requested a refund on the last three months of interest fees only to be told they will only apply to the last 60 days. And again, remember, this is THEIR computer error and they are charging me for their archaic computer system. The only resolution is to pay off your balances and close the card. OR call EVERY month to make sure they applied the funds to the correct promotional balance. The company intentionally charges you interest fees. DON'T TRUST them and their "interest deferred" charges if paid in full.

I would give a no star review if I could. I have been reading what other people are saying in here and i must say it is startling. I opened up a Care Credit card in January of 2024 to cover a huge medical bill from an emergency. I had $1000 payments for the last 10 months and always did it on time. Suddenly, they lower my credit line in half leaving me at a full balance on my card instead of a 50% balance and it has messed up my credit in general. They said it's because of my credit history but my credit history was better now than it was when I got the card. Customer Service gets you no where.....Highly recommend that you do not use this service

CareCredit is a predatory institution that feeds of its consumers. They have unethical billing practices to insure they can steal your money. I have had to call them after every payment made to fix the allocation of payments to pay off promotional balances first. This is a tactic to rob you if not monitored. Also, do not mail in your payments! It’s been 3 weeks since I mailed in my payment for a promotional balance due and it’s not been processed. Another tactic to steal your money! The most unethical credit card I have ever held.