CareCreditReviews of carecredit.com

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.

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.

Care credit should be there to help people out!! This is for medical only, Things we can not go without . I've made my monthly payments more then minimum for 8 months now and they find every way to nickle and dime you. I owe 407$ my minimum payment is $30 and the interest is 38$ a month. I just don't understand! Y'all should be ashamed of yourselves. To make it 10x worse there customer service is pathetic!

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.