CareCreditReviews of carecredit.com

Wow where do I begin! I got this card because my friend has one and seems to have no problems. I needed it for medical reasons. Well I should have taken the hint when it took over a week just to apply. The website is awful and very confusing not to mention the programs they offer are total BS. I finally got my card and used it at my dentists office not realizing the first time you use the card the merchant sets the no interest period. I charged the second time and when I received my bill there was an interest charge. I decided to call and as we’ve all read, that’s like traveling to Asia through the phone! I finally got through to rudest service agent I have ever encountered. She told me that only the charge to the merchant you first used is interest free. WHAT?? At that point I knew I didn’t do my due diligence reviewing this company. I asked her to make a payment then I said “Please close this account” and paid off the balance. I then went to B of A, my credit card company and got 0% for 20 months, cash rewards on purchases and $200. I am appalled that at a company at this level can be such a scam. I would have given this zero stars if I could.

I used to only use this for vet care and such. When they switched to the rewards card, I decided to use it as my main card. No more. I paid off my balance of over $3000 recently. I had plenty of credit left. Since then I've made multiple payments as I go. However, for some reason my "available " credit is extremely low. I thought maybe there's a delay in applying the payment. It's been a week, it was done electronically and the money had been gone from my checking account for a while. So I finally called to find out what was going on. First, it's pure HELL to get through their bot, HELL. Finally I get a human on the phone and I'm told that the credit available is low due to payment so large (3K??) so it won't be available until September 1st. What a joke. Needless to say, I'll be moving my auto bills on that card elsewhere, and stop using it. I've never had a card not apply payment within a couple business days and those payments were much larger. I had no idea how crappy they, and their customer service is. Goodbye card credit. I won't use your card anymore.

I was not informed regarding the $200 minimum per charge in order to receive the no interest benefit for 6 months. My dentist provided my procedure over 2 visits in the same week and submitted separate charges of $197 for each visit that week. Over 5 months, I made payments that would pay the balance of the completed procedure in full. Unbeknown to me interest was being added each month so by the 5th month the balance was more than the final payment should have been. AND then when I paid the final amount in full on the 5th month I received an additional bill just for additional interest even though the full amount billed plus all the preceding interest had been paid in full early. When I called to discuss this Synchrony was very dismissive with no logical explanation especially for the final bill that was just for additional interest after the bill had already been paid in full. I am shredding this card. I do not trust this company to be honest or transparent.

Their website doesn't provide a link to dispute billing error. Instead, you are referred to FAQ library which erroneously states a bogus access link. Their live chat option is bogus, it refers you to FAQs. My problem: I have been enrolled in their paperless billing option from day one... several months now...yet, I am billed a paper billing statement each month for a statement that is never received... nor is a an eBill sent to my email address. Their website provides no links to resolve problems, instead extensive wordy descriptions of non-relevant information.

This credit card is a joke dont get it, they have screwed my credit up, i opened the card with a 5000 credit limit i used it, and then paid off within a year, then had another use for it so i used 5000 again then paid down half of it only too find out they decreased the credit to 2600 and reported to trans union that i was at 90% and they tagged my credit for 32 points. These guys dont care about ther people. So now i am gonna pay it off.

I had 3 transactions 2 were interest free and 1 was not. I paid off one of the interest free charges then I noticed I was being charged interest on the one that was not interest free. Nothing on the app shows that I have a balance on the charge. All of a sudden they charged interest. Tried calling and left on hold forever. Finally someone answered but wouldn’t do anything about it. I have 3 accounts with synchrony bank and I closed all three. Maybe they shouldn’t outsource customer service to a foreign country and let a real person who doesn’t read a script answer the phone. Lots of doctors and vets push care credit but there are better options out there.

Be aware!!! I have to call numerous times because they kept changing costs even when u pay on time for the promotion. I just advise EVERYONE be on top of your finances and promotion deals and balances with them because they are constantly “making mistakes”. I had to call three times in 1 month because I noticed they changed the price! If you don’t pay attention they will let it go and charge you more.

This place extorts steals and robs people blind and then they spend hours gaslighting you and patronizing you and when you call them out on their bullshit in their lies, they tell you they don’t wanna speak to you anymore because you’re not being polite. I’ve made my payment every month on time, but they reject my payment for some stupid reason that they can’t even explain and then charge me with late fees and then charge me a $75 fee on top of that late fee even though I made my payment on time and then when I asked how to close my account out he ran games around me and did not want to provide me that or provide me a number so that I could close my account out. I will never use this card and as soon as I can figure out how to do it, it will be closed. Shame on you CareCredit. All you do is play on poor innocent people trying to take care of their dog and you monopolized on it. Shame on you do better.