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I USED A DENTIST SUPPOSED TO BE A { IMPLANTER & GENERAL DENTIST} BUT HE TURN TO BE A PATHETIC RUSSIAN THAT MOST HAVE ALL HIS DOCUMETATION FAKED. I HE CONVINCED ME THAT THE BEST FOR ME WAS TO DO SOMETING ELSE HE DOES BETTER THAN IMPLANTS SINCE MY AGE AND THE PRICE IS TOO HIGHT, THE BEST FOR ME SHOULD A PROCEDURE THAT COST ME ME LESS. I SAID TO HIM, I HAVE FEW TEETH MESING BUT I DO NOT WANT ( DENTURES, I NEED ONLY TWO IMPLANTS TO GET A BREDGE DONE. HE SAID, THAT MY BONES ARE THIN AND THE IMPLANTS COMES ONLY IN 3 SIZES; SMALL, MEDIUM AND LARGE. IT IS A VIL LYE, IMPLANTS AND BREDGES ARE ACCORDING TO EACH PATIENTS MOUTH, THEREFORE WE HAVE FIRST DONE " IMPRESIONS" IN THE PATIENTS AND SEND TO THECHNOLOGIST IMPLANTER X-RAY AND IMPRESIONS. WHAT HE DID WAS DENTURES HALF WAY VENNEERS AND DENTURES AND HE ALSO REDUCED TWO TOOTS WITHOUT EXPLANING ME, WHY I ASKED NO ANSWERED, HE ALSO, INFESTED THE ONLY INSIORS HE COULD SUPORTED THE DENTURE. SO, I NEED THE MONEY BACK TO VIST THREE DENTISTS ON TO CURE THE INFESCION HAT WAS NO POSSIBLE, SO I HAVE TO VISIT A SPECIALIST SURGEON TO DO UN ROOT CANNEL OR RHATER TO EXGTRATED THE TOOTH THAT EVEN THE BONE HAS INFECTED BY THE TOOT THE THIS DENTIST WAS KEEPING ME IN VISIST WITH ANESTEHSIA, TILL I ASKED IF HE WAS GOING TO KEEPING IN ANESTESY EVERY DAY, I NEED TO CARE THAT TOOTH HE HAD REDUCED WITHOUT ANY EXPLANATION. SO I SENT PROVES TO THEIS CREDIT CARD AND THEY AVOIDING TO RCOLECT THE MONEY THEY PAID THAT DENTIST WHICH NAME IS; VLADELOW SHIKHMANTER= V. S. N. DENTAL, P. C. AT 510 RTE. 9 NORTH MANALAPAN, NJ ******* HOPING THIS GUY DO NOT TAKE OFF AND FLY TO RUSSIA BEFORE THIS CROOK CREDIT CARD DO NO GET THE MONEY OR MAY BE THE CREDIT CARD DID GET THE MONEY BACK AND IS TRYING TO TAKE DOUBLE FROM ME. I NO LONGER TRUST THIS CARECREDIT CARD ZYNCHRONY BANK. SORRY I DO NOT HAVE A COPY OF THE PRICE THAT IS $$7,900 + $1,100 I HAD PAID WITH MY OTHER BANK ACC. AND WHAT I HAVE TO PAY PAY OTHER DENTISTS TO CURE ME AND TO SEE I A DAY I CAN HAVE TEETS FOR ME TO EAT. THANKS FOR PROVIDE THIS SERVICES. I DO NOT HAVE A FACEBOOK, IT IS OTHER CROOK WHO SELL OUT TO CRIMINALS USUARIOS ACC. AND CELL PHNE NUMBERS.

Suddenly late 2020, I noticed that they were not applying payments in full to my promotional payments even though they had the older purchase dates and deadlines were coming due. They were only applying a small amount to the promotional purchase and breaking the rest up over more recent non promotional purchase. I called and the first few times, it was corrected no problem. I was told I would see the adjustment online within 48-72 hours. I'd check back usually 48 hours later and I would see the corrections. I was was also told I would have to call every month to have payments applied correctly. That is ridiculous. I have two deferred interest promotional payments coming due. One in December 2021 (purchase date June 2020) and another in February 2022 (Aug 2020). Then I have standard purchases made on September 2020, March 2021, April 2021 and September 2021. They are basically setting up the two interest deferred purchases for two extremely high interest charges that should be deferred if payments applied correctly. Monday, I called went through the process to correct payment allocation. I was told I would see adjustment online within 48 hour and on paper statement within next couple billing cycles. Today, four days (96 hours) later given run around when inquiring. I'm told I have to allow 48 hours for online and 2 billing cycles for paper statement correction. I point out I have waited 96 hours to see online. I'm not referring to paper. The customer rep is stuck on his script. After constantly repeating that I've waited 96 hours and expressing my frustration and willingness to contact FTC, FDIC, CFPB and my Senator to request Congressional investigation into their practices, it's escalated supposedly to a supervisor who reads from the same script. I repeated what I told the customer rep and now am waiting on a callback within 24 hours from their corporate team. I don't expect a callback. I went to the online complaint forms for FTC, FDIC and CFPB completed them. I also called my United States Senators and Congressional Representive and gave details to their staff and am currently waiting on callbacks from each of them. This type of financial abuse by banks and credit card companies needs to end. My payments are on time and 2 to 3 times the monthly minimum. I encourage others to file complaints as well.

If I could give zero stars I would. I needed this card to cover vet cost. The application process was simple and I was approved for MORE than what I asked for! My dog was seen and I paid the balance off in 3 months on time before time and more than the min pmt due. Had the card for 10 months in that time I have had NO issues with my acct until Aug 2020 when I get notice from credit karma that I have a closed acct and my credit score dropped 23 points TWENTY THREE POINTS... come to find out they closed my card. Claiming "credit worthiness" mind you my credit was WORST when they approved it than it was when they closed it. When I called they couldn't give me any information so I escalted and asked for a manger... 30 mins of sitting on hold (that pissed me off all the more) for the rude supervisor to come on the line read me the letter saying a bunch of bull that to me and is not grounds for cancelation as all of what she read was already well on my credit report PRIOR to them approving the card is now reason why they are canceling the card. When I told her that didnt make sense and she had no justification the call quickly escalated she started yelling and by then I was over it and hung up because they will not reinstate the card! This card can really hurt your credit if your trying to build your credit! Dont do it! Find another way! Everyone knows a closed credit card can hurt your credit score, and when you paid them on time for them to randomly make the choice to hurt you when you did nothing to hurt them isnt right and isn't fair now i have to work twice as hard to get back to where I was no thanks to them! DON'T GET THIS CARD EVER!

I got a care credit card about 1.5 years ago. $500 limit. My credit wasn't great but I was improving it. I used it almost immediately for $30 for a pair of glasses for my daughter (the balance that medicaid wouldn't pay). I am trying to buy a home so having credit lines in good standing is a big deal. I paid the balance off before the due date. I didn't use it at all again for a long time. It stayed at 0 balance. My mortgage lender told me I needed a few points for their new score requirements and that their score simulator advised I put 1-10 dollars on the care credit card. (IDK why but credit is weird.) I hadn't even had time to do that. Within the week I get a message from credit company (I monitor my credit) that care credit has caused my score to drop. I couldn't find anything on the report. The next day it showed the account closed. My score then dropped even more. I logged into my care credit. It shows account closed due to inactivity. (I had made and paid my only time used it about 10 months before that and everything else I read online said a year to 13 months. Inactivity.) I was furious. I contact them. They tell me there's nothing they can do, I have to reapply. Well my score wasn't dinged too badly (less than 10 point which was more than I gained over the time since I last applied) So I reapply. Get denied. There goes another credit ding. I contact them again and they tell me they closed it due to information from Transunion and to contact them. I finally get a letter in the mail from them. Most of the crap was bull. I can't remember all of their "reasons" but one was lack of mortgage installment loan. I didn't have a mortgage installment loan when I applied the first time! My score was better than when I first got approved. Nothing else on my credit had changed. What is the point of having a card for emergencies if they just close it?! I read online its because if they aren't getting interest and making money off of you they have no reason to keep your account open.

I've never written a review here, but this company left me so angry I just have to. It goes okay at first when you are making payments on time, but if you come to a hard time where you fall flat on your face due to sudden loss of job and no income coming in at all. THEY DO NOT CARE. I called them about it to see if they can freeze my account temporarily, until I found something, due to the issue, but they said, "We can't put a freeze on your account because it's too new." I even remember the associate helping me after that stated, ". So how would you like to pay?" I re-told him, "I CAN'T (said it to him like three times before I had NO money)!" Seriously?! Even after I was begging for help, he/they wouldn't do anything. The only thing I could do is let the account lapse on itself. You can't pay with another credit card either.

A few months later, I did get a hold of a helpful associate via the phone who offered a payment plan that was very very low. By this time, I was able to get some sort of payment (but very low just enough to live on) coming in that is temporary. So I accepted it, BUT here's the catch: THE ACCOUNT WILL THEN BE PERMANENTLY CLOSED. I was warned of this, but quickly accepted given the problem I've been facing with them. So when I log in now, it shows the card image with "CLOSED" and "No purchases can be made. Pay account until full amount is paid." They no longer want to deal with you if you come to that point of that type of payment regardless of the reason.

I for one am glad because I get to wash my hands of this company after I'm done payments and I don't want to deal with them either. The amount is less than 4k, so it should be payable in full this year I hope...!

Please listen to the reviews like mine! Everyone's story is different, but it goes to show how much they value getting that money over helping their customers. And HA, on their site it says, "We are here for you." What a joke that is. I will give them a star for two associates that were nice over the phone and waived my first two late fees. However,... it took them this long to say this option was available to me and I've called like 5 times for help? N-O! NEVER AGAIN! I will STRONGLY advise against using their services if someone asks or may need their type of services. I don't care if I will need their services again myself not that I could reopen it anyway. I would rather suffer in pain or go without the health need than ever having the option to reopen/open a new account with them in the future. NOT WORTH IT AT ALL! I'm disappointed greatly...

I see this line a lot from other people, but I too am in their shoes: "I should have listened to or first read the reviews"!

Have two promotionals going with them for major periodontal work done in June and August of this year. I have one year to pay off both debts interest free, which is why I applied for this card through my doctor's office.

What I like: 0% interest. Courteous agents. Promo expiration date listed clearly on both paper and online statements.

What I do not like: When I would request a distribution of a payment; i. E., X amount to Promo 1 and Y amount to Promo 2, I had to double check to make sure funds were allocated correctly. It was explained to me that allocation requests go into a large queue and may not appear on your statement for up to TWO BILLING CYCLES.

I never had to wait that long to see the payments or how they were applied, but there was one that was allocated incorrectly (this was fixed while I was on the phone) and now another one I am not sure is right even after talking with the agent, because she told me the last payment had an odd amount--which I know I did not request--applied to one of the promos.

After each payment I receive a letter stating "we have applied your payment..." however it does not give any amounts, so you are still flying partially blind.

In the interest of simplifying matters, I decided to just pay off the first promo as another agent told me if I do *not* request a distribution, the entire payment will automatically be applied to the first promo.

So I made an online payment last week and... I still can't make sense of the remaining balance when I look at my statement, which the agent insisted was the current balance.

I already feel married to this creditor due to the payments I am making out of each paycheck and which will continue for months to come; I don't like having to constantly follow up to make sure things were processed correctly, or to get something fixed.

I expressed my concern and frustration to the agent today (the call was pleasant and I made it clear I wasn't frustrated with her, but with the system) and asked for a manager's contact info. She had an address to write but no name or email was available; I had to get to work so I let it go for now.

It would be great to work out a payment plan directly with the doctor's office, but those days are long gone. Review: 2.5 Stars, rounding to 3 for now. I can't say I wouldn't recommend it only because of the 0% interest--but the rest is "meh".

DO NOT GET CARE CREDIT CARDS. They have the worst customer service. Hight rates... no worth it at all. DO NOT OPEN AN ACCOUNT WITH CARE CREDIT

Hi, I am Christine Thomas and would like to share my experience with you guys on how I got a loan to pay the duty tax of my bank draft and to start up a new business. I was at the verge of loosing all my belongings due to the bank draft I took to offset some bills and some personal needs. I became so desperate and began to seek for funds at all means. Luckily for me I heard a colleague of mine talking about this company, I got interested. Although I was scared of being scammed, I was compelled by my situation and then I began to look online and ran into their email at: *******@yahoo.com where I was given a loan within 72hrs without knowing what it feels like to be scammed. So I promised myself that I was going to make this known to as many that are in financial stress to contact them and not fall victim of online scam in the name of getting a loan.

Extremely MAD and disappointed. Had $13,700 worth of dental work done last January 2017; January 13th to be exact. Only had $8,000 in cash so took out the Care Credit card and applied the remaining $5,700 on the card for a one year interest free so I was told......Made payments faithfully in total amount of $3,150.00 between February and December of 2016. Last Payment was posted from my bank on 1/13/2017 from their stmt closing date of 12/22/2016. I withdrew the remaining balance due from my retirement plan this week $2,550.00 to pay off my balance and meet my obligation on the interest free payment schedule and clear the balance on the card as I have more dental procedures starting in March. Opened my statement, closing date January 22, 2017 (like 12 days ago which needs to be paid by 2/14/17) and they have nailed me with $1,319.00 in interest indicating that the service date of my procedure was January 13, 2016 and the full amount needed to be paid in full by January 13th. Are you kidding me!!! Why wasn't my statement not set up to close with the same date as the initial transaction date then if the balance is due then to avoid the interest. I would of paid it off last month. Even more mad to find out they have options that weren't offered like 14.9% monthly rather than the interest free, Didn't know that until I started doing my research on them this morning. Burning mad right now..... Buyer Be Ware!!! Google Care Credit before applying.... wish I had.... you'll find they just had to pay out 34.5 million in 2014 for defrauding people on their interest free accounts. Approx 85% of their borrowers are placed in a deferred interest plan. During the course of the Bureau's investigation they found deceptive enrollment processes and inadequate disclosures and poorly trained staff. Sound familiar for some of you folks? I will fight this and immediately transfer my balance to another account until I can see if they'll remove the interest, which in reading several reviews it's looking like this is business as usual for them and I may have just got nailed for $1300 based on a 9 day difference in the posting of the treatment vs the statement close date. Anyone experiencing problems with them need to file a compliant with the Consumer Financial Protection Bureau. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, the CFPB is who nailed them two years ago with the class action suit where they had to reward 1.2 million of their customers. It's looking like they need to pursue again. In protest of and Symphony Bank I'm closing all of my accounts with Symphony bank. Their the big culprits behind these actions. GE credit is who was served the judgement then GE switched to Symphony. Good bye Amazon, JC Penny, BP and Citgo..... Symphony will never get another penny from me. CROOKS!! It's hard enough to make ends and then you have to deal with scumbags that take advantage of hard working people. I rate them a "0" but I can't submit without giving them at least a 1 star....