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Nicky T.

Contributor Level

Total Points
94

1 Review by Nicky

  • CareCredit

9/18/19

Whatever you do, please do not apply for or get a Care Credit card. It is essentially worthless, especially when you need it most. I made a $700 payment on my account last week. The payment cleared my bank account and shows that Care Credit received it on 9-13-19. Last night my dog was viciously attacked by another dog and we had to rush him to an after-hours veterinarian clinic for treatment. Imagine my distress when my card was declined because Care Credit posted my payment to my account but did not increase my credit limit to reflect it. I called a customer service representative today for assistance and I was told it would be another 5 days until my $700 payment is reflected in my credit limit. The payment has cleared my bank account already and yet there will not be an available credit limit change until 10 days after Care Credit received it. I was told that the credit limit would not be adjusted sooner because I had made a large payment. So, I am being penalized because I made a larger payment that is more than the minimum. Also, my dog may need additional surgery this week and I will still not have access to my card or my available credit in time. Instead of helping me with this problem the customer service representative from Care Credit suggested that I increase my credit limit so that I could then use my card. I just want access to the credit limit that I currently have and the payment that I already made. Like I first indicated, this card is useless and a waste of time and money.

Nicky Has Earned 4 Votes

Nicky T.'s review of CareCredit earned 4 Very Helpful votes

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