Smile GenerationReviews of smilegeneration.com

Their promotions system is definitely bad, as well as the communication with customers. I had the worst experience of my life with a credit service, I am desperate to finish the payments to cancel this card. Despite having paid monthly, WITHOUT FAULT, well over double the minimum payment, I was charged over TWO THO THOUSAND DOLLARS IN INTEREST!!!!!. THE EXPLANATION: The money that is deposited monthly, is distributed among the active promotions instead of assigning the money directly to the promotion that is going to expire, which means that you never get to pay the expiring promotion, resulting in a case like mine. In order for the money to be allocated specifically to the promotion you want, you must call SPECIFICALLY THE DAY YOUR MONTH IS EXPIRED BEFORE 5PM and this way the money is distributed as you want based on the expirations of promotions. I would not recommend this credit service EVER!!!! And I will do my best to make this message as viral as I can.

This company has terrible statement/payment/record keeping. Also their collection process is so old school from the 90s. Such as, they will constantly make threatening harrassing calls where the mistake was on them. They will screw up your credit if you don't stay behind them.

Never apply for this credit card I had to use it to get my son's teeth done back when I was making minimum wage. The interest rate is 39.99% and we have been making payments on a bill for over 5 years that was originally about $2,000. I called to try to work something out because after 5-6 years of payments that bill should be well overpaid. The amount owed is still $1400 after all that time. This company obviously takes advantage of people who are not financially literate. The minimum payment is less than the interest so if you don't know any better they will cheat you out of way more money.

Do not get a credit card through smile generation (Comenity Capital Bank) is super shady with the payments and if you’re late by a day or 2 they won’t do a one time late fee forgiveness. They can charge up to $45 in late fees and only take off $15. I’ve always made payments on time and been paying more then the minimum for them not to have a one time grace period. Definitely does not value loyal paying customers. Make sure you make all your payments on the due date to not have any issues.

I had an account through Smile Generation/Comenity Bank and was charged $865 in interest after being enrolled in a deferred plan I wasn’t clearly warned about. They pressured me into paperless statements by threatening a $2.99 fee, and never clearly alerted me that a large interest charge would hit if I didn’t pay the balance by a certain date. I tried escalating this through CFPB but received no meaningful resolution. Customer service is unresponsive. Be careful with these promotions.

What a disgusting company. Paid my final balance by phone with an agent and got a confirmation number. Get the statement 3 weeks later and they applied $2500 interest, because the payment was stopped by my bank's fraud dept. because Comenity entered a wrong zipcode. Neither the bank nor Comenity/Smile Generation bothered to let me know before the promo period expired. Tried to fight it w/ letters and had proof, but to no avail. After their 5 day investigation they closed the case and report you to credit bureaus unless you pay. They look for every opportunity and will cheat to get your money and charge you interest. They will also tell you repeatedly that it takes $200 monthly payments to pay off your $6000 balance in 18 months. That math is not correct and they know it. Stay away!

It took almost 2 months to get my card to be able to set up my account and that was after my first payment was due. Customer support is okay but that’s if you can get ahold of them. The website is super buggy and apparently didn’t log my account information when I submitted my 2nd payment, now I’m getting hit by a late fee and got zero notice about anything until a week after the fact. Only got this horrible plan because I was in a pinch and deeply regret it now. My fault for signing my name. Don’t make the same mistake, find other options cause this isn’t the one.

Dr Bushong completely ruined my teeth doing osseous surgery at another location. My insurance actually denied the claim due to lack of perio charting. According to the paperwork, I was given, there was not a full perio charting that took place. There was no dental plan in place, no idea what was going to happen to my gums or teeth, no idea that I was going to have to have implants or fake teeth immediately. It has been a complete nightmare and I'm already on $10,000 worth of implants for just one side. Stay completely away from him.