CareCreditReviews 845

Got this card for a vet bill and were desperate at the time. Also used it for it a root canal.

For those two charges the highest we were in debt with care credit was 1700 dollars.

I have been paying an average of 65 dollars monthly on the card since 2015 and my account balance is now 1,350. This is lunacy, stupid of me but I finally looked at what was going on. They charge a 38 interest fee EVERY MONTH. Few days late on payment? 38 DOLLAR LATE FEE.

This card is criminal it is worse than a loan shark. I am going to have a consultation with an attorney to see if their rates/fees are a fair business trade or not.

Honestly if you are in the same boat as we were, go to Money Tree or Dollar Loan Center for a quick emergency loan.

Also since the god damn balance never goes down, even making monthly payments does not even help your credit score, since this damn thing will always be at least 50 percent of its max.

Wow! Not sure how they are in existence. But from all the one star reviews, it shows they are out to get the card holders AND the merchants who allow their card use. Attitude with all Caps. Service - what's that. The run around - experts at it. Crooks - basically wanted to hold my funds already paid by their client which is owed to the merchant even after validating merchant account. Client/Merchant Appreciation - None. Never again. Clients and Merchants BEWARE of Care Credit, dba synchrony bank.

I signed up for this credit card when our dog had a stroke and we racked up over $6000 in vet and specialty bills. I had been diligently making payments to avoid interest fees and then made additional charges for other smaller vet visits. When I had expected that I would have had the original balance paid off, I then started incurring interest charges. When I called them to question it, they told me that (unlike other cards like Best Buy via Citibank) they do not automatically apply payments to the oldest promotional balances, which should be the only way they would apply them to get The older promotional balances paid off before applying to more recent promotional balances that aren't close to expiring. The "agent" even told that there is a complex formula used to decide which promotional balance to apply payments to "that they don't even understand". Yeah sure, I think it's clear that they know exactly how it calculates it - the best way for them to make money for themselves! If you are already using this scam company, get your balance paid off ASAP! If you're not already using them, DON'T!

We decided to use the 6 months no interest promotion through them and after a few months I noticed that we were being charged interest. After calling them out and even speaking with our provider they refuse to refund the interest and they say that the 6 months no interest promotion was never on my account. If I hadnt had that "promise" I would've used a different method of a loan that doesn't charge huge amounts of interest. Treat your customers better you pieces of trash.

The interest and fees are so high that they make it impossible to pay down your debt. Ever! Our dog had to have surgery and we were approved for $3500 that was almost 2 years ago and we have made the mistake of making only the minimum payment every month. My bank records show I have made approximately $2600 in payments to care credit and I still have a balance of $3000! 2 years of payments and only 500 of my balance is gone. This company should be sued! I hope care credit goes bankrupt someday and all the people who run it rot in hell for taking advantage of people who are in dyer needs. $#*! you care credit and synchrony bank!

I purchased a Medical treatment in May 2017. I was told that I had 18 months to pay it. They kept advertising for me to use my card for animals and other medical treatments without telling me that all the other purchases allowed them to only put 3 % of my payments toward the initial purchase. Now $1500 has been added to this card for interest as the 18 months was up, even though I paid almost the full amount to the initial purchase. I didn't and to stop the $1500, I have 12 days to pay 2100. When I called them, their response we send you your statements every month. My response as I pulled my statement up, where does it show that you only apply the 3% to my initial balance. He said it doesn't. I said that's what I mean. Your company never told me that, and I would have NEVER used this card for anything else. Its a scam.

I applied and was approved. I was told wait somewhere around 10 days for my card. (Can't remember the exact amount now) I never received it. I called and was rudely told to wait longer. I ended up cancelling the card not knowing Care Credit reported a lost or stolen card to the credit bureaus, dropping my score 13 points. Of course my old card comes the next day, later than supposed to. But now I can't do anything with it because it's already been cancelled. Now I have to wait for the new one. I called and complained, and it was supposed to be corrected. Never was. Then they reported an account closed and it dropped another 12 points! I called and complained again. They reassured me that I would get my points back once it was reported an account was opened again. I had them dispute this with the credit bureaus and I lost another 6 points due to a "remark added/consumer dispute". If you are like me and closely monitor your credit report because you have worked harder than hell to build your credit; finally recached the 700s, and lost 31 points! Be careful with this one!

I had a bet purchase- open this account because I didn't have all the funds at that time. I made a payment and then the next next month the automated system said, "you do not have a payment due" at this time. I then started to get text and calls at all times of the night. I didn't authorize text and calling me 7am in the morning is an unfair credit practice. This company is deceptive, as they bill differently than what is stated to collect more interest. Then they can't explain or make you whole. I escalated my concern and the person wasn't listening, spoke over me- refused to let me speak to another supervisor or escalate beyond him- said his nsme was Zack. YOU REFUSE TO LET ME ESCALATE MY CONCERN PAST YOU?! I will not. E at the mercy of a company that is deceptive and abusicw with practices impacting my cbr- attorney general and BBB escalation on the way. These type of companies must be stopped!

Be very careful in accepting credit from this organization. A Health Care provider had me use them to cover some medical procedures touting how there is no interest to be paid if you pay in full in a year-READ THE FINE PRINT-If you haven't paid the balance the off-the interest in only deferred-you'll get hit with a year's back interest-It's easy to lose track over the course of a year-I'm transferring me balance to another credit card

I have been called several times in the past 2 years that charges are being brought against me in a civil suit in court. I used care credit in 2006 at the vet when our dog passed away. This was paid off years ago! I have never received any letters in regards to this issue, this does not show on my credit report but yet they fell it necessary to call and make threat to me on my cell phone, my husbands cell phone and my father in laws cell phone number. I don't know how they would have gotten these numbers, I do not use them as a primary I still have a house number. And my father in law I don't live with him and never will, but yet they threaten to send someone to his house after me. Horrible company! 2006 to 2018 wow that's a long time, if I owed money why was I not notified a long time ago?

Ive been with Care Credit for about a year now and have put two promotional purchases on my account. My first was 1,200, which they gave me 6 months to pay off INTEREST FREE. Before agreeing, I did the math to make sure I could comfortably afford the monthly payments. I paid it off in time, no mystery charges, used the app to track my payments, NO PROBLEMS! I was shook! They even doubled my credit limit which in turn boosted my credit score. After reading all the negative reviews I was nervous about using it again, but I really wanted to start Invisalign. The Invisalign promo purchase was 5,000, which they gave me a year to pay off interest free. AGAIN I budgeted before signing. This time I pre-set my payments on there website to take money from my account every paycheck. WORKS PERFECTLY! Now I've never dealt with their customer service or missed any payments but what I know is they do what they promise. I've borrowed around 6,000 and havent paid a dime of interest. I'm still amazed!

My husband and I opened this acct with Care Credit after our cat was taken to our vet for an emergency in June 2018. I called to make a payment and after giving all of the info they requested I was sent to the recovery dept... recovery this is a brand new acct. I argued with them for an hour as they continued to give me the 800 number I called in on. This has happened every month since then. I call they refuse to listen when I ask to please give my acct number, they tell me they have my acct number and send me to the recovery dept. I'm not sure what they're trying to recover since this is a new acct. Obviously the call center is in another country and refuse to transfer me to an individual that speaks and understands fluent english. I fear every month that the payment will post to some fictitious acct sitting in their recovery dept. When I called in to reverify the payment because it hasn't cleared they refused to discuss the acct status because my husband is primary. I've been discussing this acct since June with them... why now refuse to speak with me? I can't get this card paid off fast enough. When I ask why they can't get our acct straight all they do is apologize and tell me my phone number doesn't match what they have on file. Same number we've had for 20 years so lets hear another excuse. This company (Synchrony Bank) needs to get to the bottom of these issues and fix them... obviously for someone elses benefit because once this is paid off I'm done with them.