CareCreditReviews of carecredit.com

This company acts like a savior company to just turn around and change your payment plan if you have to use it more than once. Then they charge you 30+ percent interest. They have a misguided moral compass.

The ads are for "promotional time" to pay at no interest. We had a couple bills under $1000 and were given up to 18 mos. to pay them. Fine, although they increase your Minimum payment without notice..*SNAP*-DEAL'S OFF if you don't catch that. Highest Interest rate going. No savings/favors there. Then we had an almost $5K Vet bill. OUCH. Put it on this card...after never late, always over minimum payments from us - they gave us 6 MONTHS to pay it off or the hatchet comes down. Tried to edit a canceled ph# from within my own account on the website-you have to send a video of yourself to do that! Silly. Will pay balances and NEVER come back here. It's a snare..

Just awful. Hidden fees, high interest rates, awful customer service

Care credit tells you that you are prequalified, then tells you that you are not. I have excellent credit was requesting only what matches my monthly income and I was declined. Wondering who does actually qualify??? Not the folks who need it.

I paid off a mental health hospital bill with my care credit account online at the hospital’s website. When the option didn’t come up to offer me 3-12 months at 0% interest to pay off the bill with care credit, I texted care credit . I asked the representative why it is not showing the bill I paid under a promotional 0% interest and why it didn’t give me the option of how many months I want to pay it off, I was told it would show when the transaction was completed. At that moment it was still in a pending status. I could have requested to have the transaction cancelled if I hadn’t been lied to. So the next day I checked on the charge and it showed the transaction completed but still not listed under a 0% promotion. So I used my previous ticket number and reached back out to care credit. This time I was told that the service provider has to offer the promotion to me at the time of service. I explained AGAIN that I paid this bill online the previous day and was told the promotion would be applied once the transaction completed. This new representive assured me this was not the case and the service provider is not listed as a medical provider anyway. What? I asked for a supervisor. The supervisor told me that he cannot stop/reverse the transaction now that it is complete and I’m not allowed to pay it off with another lower interest bearing credit card, BUT he said I could pay it off with a balance transfer. Ok. A hassle but not insurmountable. My husband opened a credit card with our bank that has a 0% balance transfer for 12 months just so we could move the balance from the care credit account to this new credit card but I was wary. I have another $3k ambulance bill I wanted to put on the care credit card before doing a balance transfer and paying the care credit off, but I was worried. What if care credit or my bank pull some other hijinks. So I called and confirmed my bank doesn’t have any issues with doing a balance transfer with care credit but I may want to check with care credit to make sure they don’t reject the payment. Again what? So this time I call. I call in person so there is no misunderstanding or miscommunication. The rep I spoke said they accept balance transfer and gave me the address to mail the check. I was just about ready to hang up when I confirmed that all I would have to do is give the address she gave me to the credit card company and tell them I want to do a balance transfer with my care credit account and they won’t need anything else? This is when she said that they do not accept payments from credit cards. If I want to send a check to that address then I can. Ok. Final time. What???? I informed the rep that balance transfers are when you pay off one account with another, usually another credit card, because the transaction she was describing is called PAYING OFF THE BALANCE!!! EVERY CREDIT CARD WILL LET YOU DO THAT!!!! So it appears as though not only am I F’ed by the hospital and ambulance company but I’m being F’ed by care credit. In the 15 pages of small legalese they send you when you first sign up for a care credit it probably tells you all this, but I read it and checked with my lawyer as much as the rest of the saps with a care credit card. Beware!

I used CareCredit to finance $5,000 in hearing aids and was told my monthly payment would be $179 until the balance was paid off. I set up automatic payments specifically so I wouldn’t have to monitor the account every month. On 7/1/2026, I was suddenly charged $2,635.64 in interest, with no warning. When I called, I was told my “promotion” had ended — a promotion I was never informed about, never agreed to, and never received any notice for as it approached the end. They offered a 30‑day grace period, which I only learned about because I happened to catch the charge by chance. I paid off the balance immediately, and they agreed to waive the fee. But on the next statement, they added another $65 interest charge, even though my account showed a credit balance. I had to call again (after another hour‑long wait) to get that removed. Then I was told I had to call back again a week later to request a refund of my credit balance, and then wait 7–10 days for a check. Every step required long hold times, multiple calls, and no accountability for their lack of communication. If I hadn’t caught the charges myself, I would have been stuck paying thousands in surprise interest.

They have processed my payments incorrectly multiple times. This has left me so upset because I make my payments on time every month and yet they have hidden my so called expired promotional purchases with balances due, which never had their payment allocated correctly for my statement so that I keep getting charged interest and when I called, they keep telling me that I’m unable to file a dispute because they can’t track down how my payments were allocated incorrectly. This is such a predatory company. Please do not trust CareCredit.

I received a card with care credit with a limit of $7000. I used the card twice. Once for the entire $7000 and paid it down to under $3000. Then I used it again for $3000. Then I noticed my limit go down. It has happened 4 times. Everytime I get the balance down and the available credit goes up they lower it. This hurts your credit score. Utilization ratio goes up!!!!! They do not send out a notice or a reason why. Customer service only says we review your account regularly and make adjustments as needed. I’ve had their card for over two years and never missed a payment. I can’t wait to pay this off. I may as well close the account and deal with the drop in my score. Then rebound. No sense in letting them continue to hurt my score.