CareCredit Recensioni 331

If I can just give negative 10 to this dishonest company I will do that. My original purchase amount was 9300 with a promotional period of 24 months without interest as long a you made the full payment. I made it sure that
I was paying automatically every month of $400 and I know that its over the monthly payment of 390.
They tell you that you have deferred interest but will not allocate your payment to the proper no interest bearing purchases.. They told me I had to call them for them to allocate the money to prevent interest.
Even when I thought I was making the payment for the balance for my account,I still got big interest charges.
This company is dishonest and the customer service reps don't do what they say they are going to do which is allocate the deferred interest charges. You don't even know it until your next statement after they take your money and then don't care when you call them to dispute the charges.
It's best to let the Better Business Bureau know what is going on so they can help dispute.
Never use this card. I'm going to throw it away. It's not worth it. Ice got better cards with less APR.

I had an account of $1400. I was told no interest if paid off in a year. I made a payment of $300 at first witha check and snail mail. I assumed I would receive another paper bill. I did not. Email said I was late. I called and said I did not receive a paper bill. They said yes you did and you owe $39 interest. I wanted to pay it off right then on the phone buy you can't by credit card. i wrote a check, mailed it promptly. Today I get a bill for $1.99. ARE YOU KIDDING ME!

Dishonest company. They tell you that you have deferred interest but will not allocate your payment to the proper no interest bearing purchases.. They told me I had to call them for them to allocate the money to prevent interest.
Even when I thought I was making the payment for the balance for my account,I still got big interest charges.
This company is dishonest and the customer service reps don't do what they say they are going to do which is allocate the deferred interest charges. You don't even know it until your next statement after they take your money and then don't care when you call them to dispute the charges.
It's best to let the Better Business Bureau know what is going on so they can help dispute.
Never use this card. I'm going to throw it away. It's not worth it. Ice got better cards with less APR.

New account x3 mos. Used card 2x. Tried to pay, it says payment did not go through and charged me. I tried again and it did the same thing. They closed my account, I never heard from them outside of the normal statement. Took me until the 3rd month to get the app to work. I gave up and tried to pay off the $230 I owed and they returned it again. My bank does not reflect any attempts showing up. But I'm getting charged for return payment fees from them and no payment plus interest. Worst EVER! Tried to contact and they take notes, and no one does a thing. Chat bot it a joke. I just want this closed and done with.

Stay far away as you can, I was reviewing my email, when I noticed that my bill with them is back to $2600. I have been making monthly payments, even paying more than what was expected to pay. I have call them 3x because I could not understand what happened. The third time I called and inquired about why did it go back up I was told its because I didn't finish paying the promotion. But they can offer another promotion .. if I was to pay $1,400 by January 31st they will waive the $1600 interest fee. What???? Ok I get it I am suppose to be on top, but they have no problem sending emails to remind you to pay their bills. And today 1.2.25 I had called and was told that I only paid $273.00 toward the promotion. Are they serious from 2022-2024 only $273.00 . I had asked for my statements. The interest if you do not finish paying the promotion is 26.75% that is more than real credit cards. This is a rip off. After I pay them off, never again. So stay far away.

To whoever reading this stay away from care credit. I've had care credit for about 4 years and some change now. I've had 100% on-time payments with Care Credit and they still falsely closed my account and refused to reopen it due to a miscommunication, now I must apply for a new card.

I had accumulated a balance of about $200 since October which I was paying off monthly, which wasn't bad. I just checked my credit karma and noticed there had been a change with my care credit account today, to my surprise my account was closed today. I was confused, as I've been making my payments, and my last payment was on December 20th. It's now January 1st. I have had no emails sent to me concerning any issues. Came to find out through a live agent that my account was closed due to 2 attempts of collecting my scheduled amounts that did not successfully go through on 11/20/24 and 12/04/24. I was not aware of it and If I had it would be an easy fix, had I received an email or any communication of the sort. Now I contacted the agents and asked If I was to make the full payment today would I be able to revive my account due to miscommunication? They then told me once it's closed it cannot be reopened, I would have to pay off the balance and apply for a new account.

Also, my now closed account is in collections which is accumulating interest... and I had no idea till today.

Honestly, I don't know what type of rinky dinky people are now hired but they are trained to take from the consumers not assist. I will not be using care credit anymore.

Terrible credit card and business practices. They have an archaic computer system. When one has several promotional balances that are due on different dates, the payments are not applied to the next promotional balance and interest charges will occur. One has to call the company EVERY MONTH to ensure your payments are applied to the correct promotional balance. Otherwise, you accrue interest charges. When you try and get this resolved, you have to call a different number (800-595-7319). Customer service acknowledged that their computer system is not able to identify the next a promotional balance due. They also acknowledge numerous customer complaints. I have requested a refund on the last three months of interest fees only to be told they will only apply to the last 60 days. And again, remember, this is THEIR computer error and they are charging me for their archaic computer system. The only resolution is to pay off your balances and close the card. OR call EVERY month to make sure they applied the funds to the correct promotional balance. The company intentionally charges you interest fees. DON'T TRUST them and their "interest deferred" charges if paid in full.

I would give a no star review if I could. I have been reading what other people are saying in here and i must say it is startling.
I opened up a Care Credit card in January of 2024 to cover a huge medical bill from an emergency. I had $1000 payments for the last 10 months and always did it on time.
Suddenly, they lower my credit line in half leaving me at a full balance on my card instead of a 50% balance and it has messed up my credit in general.
They said it's because of my credit history but my credit history was better now than it was when I got the card.
Customer Service gets you no where.....Highly recommend that you do not use this service

CareCredit is a predatory institution that feeds of its consumers. They have unethical billing practices to insure they can steal your money. I have had to call them after every payment made to fix the allocation of payments to pay off promotional balances first. This is a tactic to rob you if not monitored. Also, do not mail in your payments! It’s been 3 weeks since I mailed in my payment for a promotional balance due and it’s not been processed. Another tactic to steal your money! The most unethical credit card I have ever held.

I do not recommend anyone to get this card. They gradually apply high-interest fees, and you can only stop these fees by paying the full amount you owe.

My interest fees were $16.75 and jumped up to this month to $188.75. I had a balance of $1494 that unexpectedly increased to $1682, which I noticed was due to interest fees. It's impossible to pay it off with $150 monthly payments. And if you just pay the minimum, your outta luck. Customer service can't help.

You're just in endless debt unless you can afford to pay it off in full. This is ridiculous, especially now with inflation and the cost of living skyrocketing. So be prepared if you decide to get this card, like for dental work as I did. Thought it would help since this card is only for medical and dental. Everyone has their own opinion, though.

Care credit should be there to help people out!! This is for medical only, Things we can not go without . I've made my monthly payments more then minimum for 8 months now and they find every way to nickle and dime you. I owe 407$ my minimum payment is $30 and the interest is 38$ a month. I just don't understand! Y'all should be ashamed of yourselves. To make it 10x worse there customer service is pathetic!

DO NOT USE Care Credit, They are practicing unfair and in my opinion unethical business practices. I had an original Care Credit charge of $2797.50. My balance in August of 2024 was $218.23. I made my on time payment of $225. for August. Care Credit did not apply my payment to the $218.23 balance and added over $1500 in interest. This is wrong on every level !!! I am reporting them to every available institution that I can. I am going to my government officials also. I have had this account for many years and I am never late on a payment. I also had been told years ago that the payments are allocated to what is needed. Apparently this is not true and unethical.

They are criminals but the dentist offices help them by selling their product to their patients. I have warned my dentist office about my experience and they shall stop referring people here. After promising interest free credit for 12 months they charged me over $700 interest on a balance under $1,500.00. These are loan shark interest rates at least twice what you should pay for commercial credit of this nature.

I was very surprised today to see a very high interest charge on my account since I already set up monthly auto payment. I thought everything is taken care of and no need to pay special attention. I called to dispute the charge and was told that the charge was because a promotion in March expired in October. However, I never received the original March statement and the online account only allows me to see statements back to May. I have 800+ credit score , never need to pay any interest on any of my credit card in the 20 years that I have credit cards. I always pay my bill on time. This care credit company is very irresponsible and unreliable. I will pay off the remaining balance and never have anything to do with this credit card.

I've been a customer for 2 years. After paying off half of my debt they decide out of nowhere to lower my credit usage. That means that everything I've paid them was for NOTHING. They chose to do this because of INACTIVITY, meaning since I do not use the card, they penalized me for it.... How do you just take all of the payments I've made and lower my credit usage because I didn't use the card? I would tread very careful as that is robbing from the poor and that Synchrony Bank and Care Credit will catch up to you. Do the right thing.

BEWARE!!!!
I have been a customer of CC for many years. I've never experienced any problems until this year. THEY HAVE ADMITTEDLY MADE INTEREST ERRORS on my account and on top of it somehow made it impossible for me to access real numbers on app. Can't sign in on line with MY SSN# AND BIRTHDATE! FRAUD, FRAUD FRAUD! DON'T DO ANYTHING WITH THESE CROOKS.

If I could, I'd give NO STARS. Synchrony Bank who is behind Care Credit is AWFUL. They don't know anything about the promotion I received in the mail via a post card. I had to talk to 5 different people & FINALLY the 5th associate knew what was going on.

I really despise working with this company when I have to call them. Other than that, using the card is fine.

I have used Care Credit for many years to pay for my pets vet bills. I have always paid on time. I have never accrued any interest due to paying in the alloted time restrictions. I owed 0 had $5K of useable credit.
I took my elderly 13 yoa boxer mix to the vet today. I was very stressed out due to my dogs illness. I went to pay the bill on my Care Credit card and it was declined. Upon further research it was determined that I used the wrong card even though the card used showed an exp. date of 7/28. I did find another card that I did not realize I had. I gave the the vet receptionist the new card and Care Credit had already flagged it as fraudulent. I was on the phone for over 2 hours at the vets office trying to get it straightened out so their office could be paid for the $402.00 bill owed to them. I was told I would have to wait 48 hours before the vet office could be paid. I ended up having to put the charge on another credit card I did not want to use. Customer service at Credit Care is beyond sub standard. I was beyond being stressed out with my sick dog and then going through 2 hours of hell trying to get the bill paid was beyond any customer service experience I have ever encountered in my life. I am 70 yoa. I work in customer service. Care Credit do better. This experience made a traumatic situation 100 times more stressful. Through no fault on my behalf.

i had been using care credit for dental procedures mostly and one vet trip for my cat.in 03/2023 they fiananced a dental procedure i desperalty needed and do not have dental insurance or the funds to cover it at the time.i owed 3500 and i was making big payments month to month interest free.they never send me a notice the my 18 months were up when i could have paid off my balance of about 275 in november.what they did instead is charge me over 700 in interest .i cried for hours because i am on a tight budget and was happy to pay off this card soon.the customer service agent was so rude,no empathy whatsoever treated me less than human.never again but im so sad that now i have to keep paying it when i was almost done.im gonna try to pay it off as fast as i can and never use it again.ive warned my coworkerd family and friends about them.they are the worst.

Be wary of their "promotional offers". When you use a special financing offer - like 24 or 36 months no interest - you can't charge anything else on the card. If you do, your payments don't go toward the special financing offer, even though that was the earlier charge. Your payments get spread over the entire balance and if you aren't careful, you wind up with a hefty interest charge at the end of the special offer period. Due to this predatory business practice, we will be cancelling our Care Credit card as soon as possible. We've used these XX months same as cash offers with other companies and never had this problem.