Is this your business?
Claim your listing for free to respond to reviews, update your profile and manage your listing.
Claim Your BusinessCareCredit has a rating of 1.15 stars from 825 reviews, indicating that most customers are generally dissatisfied with their purchases. Reviewers complaining about CareCredit most frequently mention customer service, synchrony bank, and interest rate problems. CareCredit ranks 202nd among Credit Cards sites.
I've had CareCredit for years and have always been grateful for this type of card. They recently reduced my line of credit, maybe because I hadn't used it in a while, but when I requested an increase of $5000 for dental work (pay over time), I was instantly approved. I also received 10,000 points, which can be used on their rewards site. They have thousands of choices; I was able to trade in my points for a $100 Amazon gift card; awesome! CC gave me over a year to pay for my dental implants (they have various interest-free pay-over-time plans). I'm very happy with their card/service and also with the Synchrony website, which makes it very easy to manage your auto payments so you don't get hit with interest and to ensure you pay off your balance in time. I would not hesitate to recommend this card to anyone needing dental, health, cosmetic, or vet services.
They decreased my credit out of no where causing it to be at max utilization which is what determines your credit score even though I have paid off services and been on time with my payment. Now I'm stuck with a low limit with a high utilization rate because they don't care about their consumers and that they are the reason for decreasing overall credit scores. I'm cancelling them and never supporting them again.
They decreased my credit out of no where causing it to be at max utilization which is what determines your credit score even though I have paid off services and been on time with my payment. Now I'm stuck with a low limit with a high utilization rate because they don't care about their consumers and that they are the reason for decreasing overall credit scores. I'm cancelling them and never supporting them again.
Products used:
Health care services
Mysterious charges occur of hundreds of dollars above the original amount during the promotional period. Customer service does not help or address the issue. All you ever hear is we will look into it and send you a letter. A letter that never comes. Somehow they do manage to drop your credit score. Most of their customer service is from another country. Worst credit company ever. The Attorney General really needs to investigate them.
The last two of my derogatory accounts have been removed from all 3 credit reports, loans and maxed out credit cards paid off thanks to CREDITSMARTSPY@ GMAIL DOT COM. The methods and almost daily coaching work! Now I will be moving forward with obtaining business credit to get started with real estate investing. Thanks again for your help CREDITSMARTSPY *******941
I've had numerous negative experiences with Care Credit in the past, but my most recent one was the final straw. I once had a limit in the thousands on the card; no notification from them that they were reducing said limit. When attempting to purchase new glasses I was shocked to discover that my total limit was a mere $280. In my entire life I have never had such thing happen to me with any card I've owned, so this insult just blew me away. I intend to pay off this card and cancel it once and for all. An absolute disgrace.
Products used:
None
I made arrangements with this company to pay. Paid all of it and now they are hounding me for the rest of the money which was total interest.
Their foreign language people they have are disgusting.
I had a bad heart attack and talking to these people make my heart race so bad. I'm trying to get by on very little and they get their jollies out of upsetting people.
I paid for 9 years.
Don't even use this company.
I am extremely disappointed in this company. I've had a CareCredit card for years and have always paid MORE than the minimum. The one time I miss a payment, which was a misunderstanding that I tried to explain to them, they close my account and consider it delinquent and past due. There's nothing I can do about it even though I have re-scheduled the payment, and it was my first time. They said I cannot reopen or reapply until I've paid the balance. I will never open an account with them again. Horrible ethics. Sh!t customer service. Never again.
My daughter took a care credit out for my dog who needed emergency surgery or would have died. I have been paying the monthly payment only to find out her bill has gone up not down. They charge 45.00 mth interest if the bill is not paid off in full. Should have read the reviews first but it was an emergency and didn't think about it. I would never recommend care credit to anyone! Plz read reviews on it, it should be illegal what they are doing to consumers! Her limit was 2000 something and it's now 3100, after paying monthly payments. There are many many reviews I found on it that has done the same thing to other consumers!
I have been a customer for years. My card carries a small balance of $1200 on what was a $6000 available credit limit until yesterday. I have never received a negative reporting from this company and made all my payments as agreed. They decided to lower my credit limit to $1300 with a $1200 balance dropping my credit score by 13 points. This is horrible business to someone who has paid them well for over 5 years. I will be taking my business elsewhere Care Credit/Synchrony Bank. You should treat your customers better. Shame on you.
Don't get sucked into this. I have been paying on time for over a year and they have not once reduced what I owe. When I first signed up they stated as long as I paid on time the debt would be paid off in 1.5 years. Obviously that is NOT true. I will tell anybody who is thinking about using this to look into different options. These people are scam artists.
I had to contact this company today. I had a card with them for my medical expenses. I paid the balance off in full. I have a doctor's appointment tomorrow only to find out today they closed my account last week. After speaking to a representative, I was told I am a high risk customer. After being laid off from work due to covid, I took a month to get my payments back on track. This company doesn't even take this into consideration. It's really a plus for me because I will not have to pay them any money back, Terrible business practices.
I used the 0% interest promotional offer for the $1,500 deductible that I needed for my BA. And used the 14% interest for 24 months to pay the rest. I wanted to pay off the $1,500 In like 3 months that was the plan. But unfortunately they bundled both and have me a fixed interest rate because they assumed that I wanted to pay 7k in 7 years hence they get their interest. I suggest get 0% interest for one year instead of what I did. Pay it off fast! Or else you will be stuck!
Money grabbing bank run by bots algos and AI. No live representative avaiable. People hard working money is not in value for this printers.
I had to get this card to pay for a vet bill to save my dog. The vet offered this card when I was in an emotional state. I had to use it again to put my dog in the hospital for a week and still ended up having to put him down. Now I'm left with a $4,000 bill and a 26% interest rate. I will never pay it off. Also, I have been waiting for a customer service rep for the past 30 minutes!
Unfortunately, I did not manage my CareCredit card closely enough. I didn't realize they had been assessing some phony Security Fee each month and then interest on that. Total Rip Off. I am cancelling my card.
I have had this credit card for years, like more than 10 years! And now after more than ten years, they want to cancel my card because they can't verify my identity! It is the me, the same person with no name legal name changes. I have never had this kind of issue, not even with government and legal documents. They make ridiculous demands to identify yourself such as taking photos or video of self and they have about 3 options to pick from. Well, I did the photo option and they CANCELED my card because they said they could not verify me as the actual cardholder. They also wouldn't update my address correctly after calling more than once about it and I was not getting any statements. The email they would send with the bill had no billing address and would not even allow me to log in. Basically, my options were very limited to be able to make payments. Why? How are you going to make cardholders jump through hoops to make a payment willingly? Do you want to get paid? It makes no sense at all and why such a high level of security? To the point that it is very flawed and doesn't work because I am the person I say I am, yet you have me as not able to verify my person?
I made a payment to my care credit acct and it said in writing that it would post that day. They lied. It takes 24-48 hours to post. When I called they told me it's written somewhere in the policy. Ok. Then why say something contradicting on payment page? Never trust credit card companies. Theyre all liars
Tip for consumers:
Care credit is owned by synchrony bank.
Products used:
Credit card
Payments on time but missed cutoff by 4 days and charged $5000 interest on ******* loan 29% how do you sleep at night. You are screwing customers that are looking for a little short term help and you double thier payoff? At minimum payment it would take 23 years to payoff
What a joke. An 820 credit score- but their identity software had an issue with my covid hair. So sorry I even bothered. Just wanted to space payments on a big vet bill for my poor little dog. I could have paid cash- and will. Don't take the hit to your score! Avoid care credit!
I had a credit limit of $6000 that I got in April 25,2023. They gave me 60 months to pay. I already paid $3000 as of December 2023. They then ran another credit check on me and said I didn't have enough high balance on my report. They dropped my limit to $3270 which now looks like I used 100% of $3270 which dropped my credit score-59 points. I reported them to the BBB.
5 Crowns in Mexico, 1K on carecredit, no promotional purchase for you as it's a foreign transaction. Big FU to carecredit. Wife had a hip replacement, my end was $7K, no promotional deal for you. 29.99% interest. F'ing pirates, I'm paying it off and closing the account. I get a better deal through paypal credit.
Do not get this card. They closed my account out today. Yes I made my payments on time and I did pay my balance off on March 2020 way before my due date. So since I couldnt use this card for two month due to covid 19 they closed it out for no activity. Made my credit score drop. What a bull crap card this is.
CareCredit was helpful when I had an emergency vet bill. I went to pay off my remaining balance today and noticed they changed my credit limit from $2,500.00 to $250.00. I was told they sent me a letter which I have never received. Thank goodness I didn't have to rely on that credit line not knowing about the change. I went ahead and cancelled my card. Not worth having an unreliable credit line open that might mess up my credit score. Buyer beware. There are a lot of hidden rules with this card you have to hunt to find or just find out the hard way.
Not only do they kill you on interest rates, they're one of the most difficult companies to work with. With everything going on with COVID19, most companies have compassion. I was 5 days late, payment do on the 4th, pure over sight. I went to make a payment on the 9th and discovered they shut off the card.
I called and sat on hold for over 45 minutes, they claim "due to COVID19". WOW!
Get a Discover card!
Every time I call CareCredit support, they never assist or help, if you forget to make one payment, they will not reimburse you or even want to help you. When you have questions regarding your bill, they just give you the runaround.
They are rude and I've called a few times to talk to different people no one ever helps.
The interest is off the roof never forget to pay it before your promotion ends. Otherwise you're screwed.
Never again will I used this credit card.
My bill keeps going higher even though I make my payments. You cannot bring the amount down if they charge you more each month than what you pay. 100% a ripoff and NEVER get this card.
Discover the healthcare financing credit card from CareCredit. Learn about financing for procedures like LASIK, cosmetic surgery, dental, & more.
Is this your business?
Claim your listing for free to respond to reviews, update your profile and manage your listing.