CareCredit

I had insurance on my plan and in the event I lost my job my insurance should have covered my plan. I called them a few months after making payments on time when I did in fact lose my job and never received any documentation from them. I have never missed a payment since Jan 2014 and today is March 2017 and I have paid $145 per month in the amount of $5500. This company is a major SCAM! Stay Away! The Will Destroy Your Credit! You Will Never Pay It OFF!

I ended up getting care credit to pay for an operation that my insurance wouldn't cover. I was desperate and I'm pretty sure they prey on desperate people. I needed the operation I had no choice and this was the only away to get the amount I needed in the time I needed it. They are awful. They have no idea what's going on over there at their company at all. There have been times when I was charged a late fee without being late. There were times when their autopay took WAY more than it was supposed to take and they can't just REFUND the money they have to send you a check. 99% of the time when I call the person I talk to can barely speak English so it's not even clear if I'm getting my point across or not. Maybe it's not a scam, exactly, but they are definitely preying on people who have no other option but to get a card with them. As soon as I'm done paying this off I'm closing my account for good and never looking back.

Have been using care credit for years never had a problem until Synchrony Bank took over. I was paying more than the amount due and early so when I missed a payment in February I was not notified that the payment was late they just took late fees out of 5 months of payment until the late fee ate up all the payment then notified me in July that the payment was not made. When I called I was informed then the payment was made but I had 5 months of past due fees charged to me so now I was short on my payment. Not 1 time was I notified that I was past due. Customer service refused to reverse more than 1 of the fees. This is stealing and fraudulent as I would have received a past due notice if I had made only the minimum payment and made the payment on the due date rather than early.

#1: When you call, record date time and exact name of who you speak to.
#2: This is not processed like normal credit cards,. One balance for seperate purchases and interest is for all purchases totaled.
Care credit uses each purchase seperate.
Example: bill is 280.00, not paid within promotional period, interest is 150.00... card is used 2nd time, also not paid by end of promotional period. 300$ interest.
So, accrued interest is for EACH visit, not total balance on card.
They ARE making a killing!
#3. DO NOT GO PAPERLESS STATEMENTS.
Review each statement meticulously.
We called, and needed to change due date,
Employee did not change it in the system, leaving us with late payment fees. Because payment wasnt made in the "cycle". Adding fees plus interest for 3 bills took a bill totaling 3,6205 to over 6200. 00$.
We never missed a payment, not one.
Very deceptive practice.

Could not even use my account for the purpose I applied for because I did not get my card in a timely manner. That's forgivable, but the customer service when I called for my card information was a joke. They sent me a 'one time code' (this code is 5 digits- impossible to mess this up) and the lady said it was wrong even though she was clearly entering it incorrectly. The solution for this was not for them to simply send another code, it was to send me mail with another 'one time code'! By that time I will have the card and the procedure I need will already have happened and paid for OUT OF POCKET! The incompetence is unbelievable.

This is the 2nd time we have used this card. We had no problems in 2020. We set up to pay in 6 installments so we would not have to pay interest. We did the same thing with this current charge. They took out the 1st payment, no problem. On the second payment, they took out the balance. When I contacted them they told me they could do a refund but it would take 10-15 days with a check being mailed to us. Needless to say, I am done with Care Credit. Additionally, I was on the phone for 15 minutes with their automated service asking me the same questions over and over before I was placed in the queue.

Care Credit- First the name misleads you- this is the new financial scam that seems to be working. This bank can actually send you a bill that say's the MINIMUM DUE is say $150.00. If you pay what they ask for and only that and have say 5 different procedures billed independently your real bill might be $265.00. They will then charge you interest of say $80.00 which they add to your balance. EVERY billing procedure has an amount set as a minimum. If you on your own are not smart enough to figure this out -DONT MESS WITH THIS SHARK PERIOD... It will cost you a lot of money to play their game. And a game (that seems to be legal) it is. They have never got me for one dime extra- but you have to figure it out. WARNING. Honestly- wait and see a class action suit will be filed and they will either fall or change their PRACTICES because it is horrible for the working family.
Brian

I used $2926. 00 for my dental work in March 2017 and had 12 months to pay it off before getting hit with $800.00 in interest. No big deal since I had so much time, a payflex spending account and an open credit card. By January 2018, my balance owed was 2223. 00. No big deal, I still had 673.00 in payflex plus another $900.00 in payflex for 2018. 00. I was going to put $1573. 00 towards care credit... No bueno! They do not accept credit card payments of any kind. Checking account only! I paid the $1573. 00 cash and payflex reimbursed me. I paid another $500.00 This morning. Slide on over Bandit cause the Snowman is coming through. HOT DAMN WE'RE GONNA MAKE IT! Having care credit paid in full is going to look woohoo good on my credit. They are little snakes so be aware of your payment options ahead of time.

I went to verify my credit limit as I have a appointment coming up and they closed my account due to my credit score dropping according to them. They will not reopen my account they advised me I have to re apply again so it will hurt my credit more. Not happy with this as I'm trying to build my credit and don't need or want another hit one from them closing my acct and one from my re applying. Nit a good way to do business

I would give "0" stars if I could. My dog needed emergency care on a weekend, and opted to pay for it through Care Credit because I was told it was interest free the first 18 months. I accepted that thinking after 18 months, interest would be charged on the current balance. Whoa...what a shock when interest was charged on the initial balance! The interest charged almost equaled what I had paid over the last 18 months! I've had many promotional credit cards, and have NEVER had this happened. Normally, once the promo is over, interest in only charged on the CURRENT balance. Beware!

Zero interest for the first 12 months is very misleading. What they don't tell you in that the zero interest has promotional timelines. Once the timeline arrives, if you don't pay the amount in full, they apply balloon payments to your balance. Additionally, they claim not to have a grace period in terms of payments, so if your payment is due on the 1st and you pay it on the 2nd, they charge you a $40 late fee for paying a day later. These people are total scam artists and I would advise anyone to stay away from them. Trust me it's not worth it!

My sister needs some dental work & her dentist gave her some information about Care Credit & told her to apply for the card to pay for her dental expenses. She asked me to give her my thoughts about Care Credit. I never heard about Care Credit but I am horrified with all of the bad reviews on Care Credit. This company sounds like a nightmare to deal with & it sounds like they can do major damage to someone's credit score. I don't think I will tell my sister to apply for Care Credit based on such poor reviews!