CareCreditReviews of carecredit.com

I do not recommend anyone to get this card. They gradually apply high-interest fees, and you can only stop these fees by paying the full amount you owe. My interest fees were $16.75 and jumped up to this month to $188.75. I had a balance of $1494 that unexpectedly increased to $1682, which I noticed was due to interest fees. It's impossible to pay it off with $150 monthly payments. And if you just pay the minimum, your outta luck. Customer service can't help. You're just in endless debt unless you can afford to pay it off in full. This is ridiculous, especially now with inflation and the cost of living skyrocketing. So be prepared if you decide to get this card, like for dental work as I did. Thought it would help since this card is only for medical and dental. Everyone has their own opinion, though.

DO NOT USE Care Credit, They are practicing unfair and in my opinion unethical business practices. I had an original Care Credit charge of $2797.50. My balance in August of 2024 was $218.23. I made my on time payment of $225. for August. Care Credit did not apply my payment to the $218.23 balance and added over $1500 in interest. This is wrong on every level !!! I am reporting them to every available institution that I can. I am going to my government officials also. I have had this account for many years and I am never late on a payment. I also had been told years ago that the payments are allocated to what is needed. Apparently this is not true and unethical.

They are criminals but the dentist offices help them by selling their product to their patients. I have warned my dentist office about my experience and they shall stop referring people here. After promising interest free credit for 12 months they charged me over $700 interest on a balance under $1,500.00. These are loan shark interest rates at least twice what you should pay for commercial credit of this nature.

I was very surprised today to see a very high interest charge on my account since I already set up monthly auto payment. I thought everything is taken care of and no need to pay special attention. I called to dispute the charge and was told that the charge was because a promotion in March expired in October. However, I never received the original March statement and the online account only allows me to see statements back to May. I have 800+ credit score , never need to pay any interest on any of my credit card in the 20 years that I have credit cards. I always pay my bill on time. This care credit company is very irresponsible and unreliable. I will pay off the remaining balance and never have anything to do with this credit card.

I've been a customer for 2 years. After paying off half of my debt they decide out of nowhere to lower my credit usage. That means that everything I've paid them was for NOTHING. They chose to do this because of INACTIVITY, meaning since I do not use the card, they penalized me for it.... How do you just take all of the payments I've made and lower my credit usage because I didn't use the card? I would tread very careful as that is robbing from the poor and that Synchrony Bank and Care Credit will catch up to you. Do the right thing.

BEWARE!!!! I have been a customer of CC for many years. I've never experienced any problems until this year. THEY HAVE ADMITTEDLY MADE INTEREST ERRORS on my account and on top of it somehow made it impossible for me to access real numbers on app. Can't sign in on line with MY SSN# AND BIRTHDATE! FRAUD, FRAUD FRAUD! DON'T DO ANYTHING WITH THESE CROOKS.

If I could, I'd give NO STARS. Synchrony Bank who is behind Care Credit is AWFUL. They don't know anything about the promotion I received in the mail via a post card. I had to talk to 5 different people & FINALLY the 5th associate knew what was going on. I really despise working with this company when I have to call them. Other than that, using the card is fine.

I have used Care Credit for many years to pay for my pets vet bills. I have always paid on time. I have never accrued any interest due to paying in the alloted time restrictions. I owed 0 had $5K of useable credit. I took my elderly 13 yoa boxer mix to the vet today. I was very stressed out due to my dogs illness. I went to pay the bill on my Care Credit card and it was declined. Upon further research it was determined that I used the wrong card even though the card used showed an exp. date of 7/28. I did find another card that I did not realize I had. I gave the the vet receptionist the new card and Care Credit had already flagged it as fraudulent. I was on the phone for over 2 hours at the vets office trying to get it straightened out so their office could be paid for the $402.00 bill owed to them. I was told I would have to wait 48 hours before the vet office could be paid. I ended up having to put the charge on another credit card I did not want to use. Customer service at Credit Care is beyond sub standard. I was beyond being stressed out with my sick dog and then going through 2 hours of hell trying to get the bill paid was beyond any customer service experience I have ever encountered in my life. I am 70 yoa. I work in customer service. Care Credit do better. This experience made a traumatic situation 100 times more stressful. Through no fault on my behalf.