Chris M.

With my assistance, my senior Mother applied for CARECREDIT to help pay a dental bill over time without interest... It turned out to be Biggest hassle and waste of our time ever for credit. First I had to get an affidavit notarized by my bank because I didn't own a smart phone, only a flip phones. Then we followed all the procedures only to not have an answer the day of the Dental Surgery to pay our dentil bill so I had to put on my regular credit card. Then when all the paperwork came by mail regarding the account along with the card, I could not find any information pertaining to how long my debt would be deferred based on $4,000. Would it be 6, 12, 18, or 24 months and then I read that all other non promotional purchases would be charged interest at 26.99 % Interest! When I tried to chat to get the answer I got a short reply from a rep that posted only the phone number to call... so I called, then the rep told me that I need to put my mother on the line... I did but then they said she had to stay on the line and apparently I could not ask the question and get the answer, it had to be my mother who doesn't hear well and need assistance but they never allowed me to talk to them in order to get my question answered. They kept playing games that they can not talk to me, only my mother... SO Frustrating! I told them to close the account because they were very sketchy about a simple question that should be clearly posted in the card holder documents, about how long the interest would be deferred on a qualified purchase. Should be SIMPLE but we never could find out the truth... I am glad to get out now as I can only imagine that my first bill would show 26.99 % Interest charged and I would never get a resolved without paying in full. IF it is this hard to get a simple question answered, I am glad not to have thousands of dollars subject to such a rip off interest rate... This whole thing stinks of PREDITORY COMPANY due to the lack of solid information necessary to make a smart decision on the use of their credit offer.