CareCreditReviews 845

I had read the terrible reviews of Care Credit, so when I set up automatic payments on my large dental bills and miscalculated the end of the interest free period by two months I was worried. Sure enough, with just two months to go I was hit with Over $1500 in interest charges.

But I paid the balance by Check and even though the Check reached Care Credit a few days after the deadline they waived the interest charges and zeroed out my account. Very nice. I'll use them again.

I am really surprised at what I am reading regarding Care Credit. I have had Care Credit for at least 10 years. I always paid my balance off before the promotional deadline. They have saved me many times on vet bills, and medical bills. For my dogs dental work, they extended my time which is based on what your balance is... for example, if your bill is under a certain amount- for example, $800, they will give you six months 0 interest to pay it off. If it is over a thousand, which my dog's dental was, (which is what my vet charges everyone for dental work), then they give you 2 years with 0 interest to pay it off. I have no complaints against them. The service provider always tells me my limit and how much time I have to pay it. I call Care Credit and never have a problem getting through either. I was even a month late from the promotional date, and they allowed me to be extended with 0 interest. Yes, I got a call about a Mastercard, but I just told them I did not want it. I have no problems with Care Credit at all, and from my experience, they do not jack up any pricejust because you use their card... they haven't for me anyway. I also have excellent credit. Thank You CC, you saved me a lot in interest.

Only got the card because a vet visit which i was told would cost around 2 grand. Was told about care credit (set up from the beginning). I applied for card was approved for the amount needed to cover service. Decided to get 2nd opinion from another vet. The other vet told me about how the companies that accept care credit jack up the rates to make profit for them and care credit. I used this vet which only cost me 300, which i paid out of pocket. When i finally received card in the mail, limit was only 500, instead of the original 2000. They just recently ran my credit(without approval) dropped my limit to 250 and a couple. More points off my credit score.
Find a different vet or try and borrow money from someone you know.
DO NOT GET THIS CARD. IT WILL ONLY CAUSE YOU HEADACHES.

I had dental problems. I am from a foreign country. I needed $7000 to pay for dental work. The Dentist talked me into using Care Credit. The receptionist explained the interest-free program of 0%. However, she failed to mention that after one year, if the money was not paid in full, my interest rate would go from 0% to 26.99%. I've paid close to $3,000 over a period of a year and a half and still owe $6,251.21. What a rip off! Don't use them. Go to a credit union and borrow the money.

I used $2000 of credit to hospitalize our dog (parvovirus infection). The minimum payments were dwarfed by the fees. When I did not pay fast enough they closed my account and sent a $3500 balance to a debt collection firm. I pay my mortgage faithfully, paid an entire car loan without a single missed payment, pay home insurance, car insurance, and paid off my reatail credit... all that work to build my credit and this terrible company destroyed it. After several attemptes to request correction of negative credit reports, they refused. If you know ANY business who does business with these folks, ask them to stop or threaten to boycott.

I called to get my account number. The first guy hung up on me. The second time I called the girl told me they don't release that information over the phone. She said I had to wait 7-10 days when my card came in the mail. I set the account up onsite at the provider and I did not screen shot my approval with the account number. I needed to get a credit for services provided when I picked up my dog from the provider. The provider couldn't find me in their system. Terrible. This was clearly a mistake.

The dentist offices that accept Care Credit have told me they must raise their fees to the patients as certain costs get passed along to them. In turn, they pass it to us... I don't quite understand it but I've been told that by 3 dentists now... then when the "interest free" time period runs out and you haven't paid the balance off, the interest charges become phenomenal. It's actually more cost effective to just put dental charges on my revolving credit card! This card is only beneficial if you can find a dentist that won't pass the extra charges they say they incurr off to you and if you really can pay off within the 6 month period.

They are the worst I find myself having to call them at least 6xs a Year they are very rude they speak over you and tell you what your doing wrong they suggest to my 81 year old grandma should use the app to make her payments so I show her how to use it now shes never late with a bill but yet every few months the app just dont work for payment no where on the pop up message does it state to contact a 800 number so my Grandma starts trying to use the internet and takes 2 days before finding a contact number reminder shes 81 and just learning how donise a computer and cel phone anyways they girl tells her its not their fault she dont know what to do when shes only doing what they suggested to her she use to send a check I really wish I would have read the reviews ego read telling her about this half $#*! company

I had a Care Credit card that I could only use for medical purchases and it was great. The company sent me a new card that was also a MasterCard so that I could "use" it for other purchases. I say "use" because it would never process through. I tried it at my Dr. Office, Dentist and Vet and each time it would never go through and I would have to use another card. I also tried to "use" it for gas and other purchases and the same thing would happen. I opened a ticket and after a month of "research" I was told to have my Dr's and Vet to process it as a regular Care Credit charge rather than a Master Card. So my Vet tried to process a charge again and it would not process and when she followed instructions the help she received was sub par, her words. So I called to go back to the regular charge and was told that was not possible. I asked to speak to a supervisor and when asked why explained that it made no sense that I couldnt change back to the plain card. At this point the rep got snippy which made me snippy and I ended up cancelling this card and I will not go back to this bank or card.

I'm so upset with you people one day late they take late fee out of your account. My money order was late two times by one day because of holiday mail service. One day late. They couldn't wait to get the late fees. Say they couldn't take off second late fees because I had one taken off months ago for late hoilday no mail delivery service. It late because if mail service 4 of July no mail delivery. It's not about the money it's about the the greed of this company. Can't wait to payoff.