CareCredit
Reviews and Complaints

I accidentally had my bill pay set on Pacific Standard Time and they are an Eastern Standard Time company. Therefore I was late paying my bill by a matter of 3 hrs. It was definitely my mistake but they were not at all understanding when I called, and were very robotic in their answers. They would not stray from their resolute answers, and even tried to upsell me on a protection package! I do not recommend dealing with his company, they do not treat you like a human being. Their lack of empathy and judgmental attitudes make me angry just thinking about it.

I tried to pay aggressively on my CareCredit last month, and their website deleted a "0" on my checking account. The company never telephoned or e-mailed me of the problem. They instead charged an additional $58.00. When I asked to speak with a supervisor I received without a doubt the rudest person I have encountered in customer service. "Dawn" would discuss nothing with me, and threatened to disconnect because I asked her name twice: "I already gave you my name at the beginning of the call" she tells me..."I am the highest person you can speak with on the phone."... I asked her for an address to complain and she again threatened to hang up on me..."I am going to disconnect."...Where is the phone courtesy of letting the customer hang up the phone first? Not to mention the outright customer abuse, financially and otherwise.

Does anybody remember the line from "The Rainmaker"? Well, GE Money has got the insurance / customer services runaround scam down.
I wired my final payment to them (over $9, 000) for my CareCredit account within the 4-day grace period to avoid exorbitant interest charges. They acknowledged receipt of that payment to my bank. They then proceeded to spend the next four months harassing me with phone calls, 4 - 5 times / day, and letters to my home a couple of times per week. They attempted to tack on late fees on top of the phantom interest charges. I am sure they were hoping that I would get tired of their harassment and just pay the money. No go Joe.
I called customer service four times and even had them send a letter in early January to confirm that I owed them no money. They did not want to do this and even aid they could not. I insisted that they do so, asking for a handwritten letter signed by the representative if she could not generate one through the system. I stayed on the phone until I was 100% assured it was sent. I received that letter on 1/6 and have it in my hand. Funny, I received a letter that they claimed at first that they could not generate.
The final straw occurred today when I received a call from a vulture-like collection group within GE Money (outsourced to India, BTW), where Is poke to an inept customer service representative and then her supervisor, named Calvin. He proceeded to call me a liar and, even though I read the letter to him, insisted that I send the letter to him via fax or mail even though it came from HIS company. I demanded an apology, which he did not give to me.
So, back I went to customer service and then again to the same vulturous collections group and finally got a rather terse, but helpful U.S. representative who claims to have cleared out the account. We shall see.
After more than 10 hours of work to get this cleared out, if it happens again or if there is a blemish on my credit score, they will be sued. Does anybody know if there is a class-action suit pending that I can join?
I have let all my health care providers know about their scam and at least a couple have stopped offering the service to their customers. Be warned...DO NOT use this service unless you have lots of time to spend correcting their mistakes or good legal representation on retainer.

i am too... i just talked to the rep and he said that the due date fluctuates so my automatic bill pay did not work! ###ing thieves!

I am so glad to hear that I am not the only one who has had this horrible experience. I never could get a person that could help me- phone or mail.

Same problem..."Dawn" never sees the light!

I commend you! My dentist recommended Care Credit and apparently knew nothing about it. I was told the interest rate was 0%. I cancelled the card without using it and changed dentists. Unfortunately, the new dentist had the brochures in his waiting room. I plan to tell him about this website. Again, I commend you for caring about your patients beyond what is reflected in your accounts receivable.

We have had Care Credit for a year now. I have never had to pay any interest since I have always paid off the balance before the promotional period ends. Make a purchase, make monthly payments through GEMoney Bank online, and there are no harrassments. I continue to use my card, figure out what the monthly payment for that purchase needs to be to be paid off during the promotional time, and my outgoing debt obligation is the same as if I would have paid cah for the services since I do not have to pay interest. I also get a boost in my FICO score by continuing to have a balance and make monthly payments.
If you take care of how you use the card, and be responsible about paying it every month, esepecially online to get a confirmation number, you can have a great card to help with larger expenses, boost your credit, and help balance your outgoing finances every month.
Care Credit is a great tool IF used wisely.

Why don't you pay online? I made all my payments to them online. I had no issues.

I am furious with Care Credit. I have never had a credit card that got mad when you overpaid. First payment was $25 and we paid $200 so I didn't pay the next month. Any credit card I have had just credits you. Well it turns out no matter how much you overpay you are still expected to pay the monthly minimum. I argued and was refunded. Now in Oct. I made a payment on the 6th and the date due was Oct. 27. I made another payment Oct. 30 for my Nov. 27 payment and I have received more than four calls a day informing me I am late. Even though I am not late they don't seem to be accepting that payment for Nov. They are just counting it as an extra payment and now they expect me to pay a late fee.
I am furious with this company and would like to know if I complain to the Better Business Bureau.

I know what you mean. My interest is more than I owe on the bill. I am on a fixed income and well got to have a roof over my head. Sorry my cat up and got sick then died. Come on over $800 due now, $300 or more in intrest. Ha! Good luck, I'll pay what I can when I can. Its not my fault I am where I am financially, I worked all my life and this is what happens when you can no longer support yourself cuz somebody is too obsessed over the all mighty dollar that even physically assaulting someone over money seems to be the right thing to do.

I really think an attorney should get involved with this company. They are doing illegal practices and completely misrespresenting their services.

I am going through the same thing right now

They tried to rip me too. Beg borrow or steal whatever funds you need to to pay off original balance...no late late fees or interest. Send a CERTIFIED CHECK via CERTIFIED MAIL. Close any other links or accounts associated with these scammers. If they come after you, (which they probably will not because it will cost them more than you owe and they realize you did everything certified), have copies or your original payments, the certified check receipt and the certified mail receipt. This worked for me.

I have only one thing to say about Care Credit. They have very unfair practices. As a former cardholder, my account was up to date and paid off. I had a Joint Account with my mother. I had to have oral surgery to which I charged a little over $1700.00 on my Carecredit. I made payments then decided to pay the balance off in full. A month after I paid it off, just because I had not used the credit line ($5, 000) in over a month, they all of a sudden decided to close my account, for no good reason. And then they gave me some lame excuse saying all of a sudden that I no longer qualified for credit from them and that was AFTER I paid the balance off in full. Excuse my french but that is BS, and very unfair, like my money isnt good enough for their damn company. They then gave me another lame excuse saying they had to close my account because we both had to re-qualify? WTF? why? My account had been open for a year and a half and now they were saying we did not qualify and my mom was making $5, 000 a month and I am Self employed and making about 1000.00 a month. The people who run this company are nuts. If 5, 000 a month all of a sudden doesnt qualify me for a credit card then there is definitely something wrong with their thinking. Either that or my money just isnt green enough for them.

And Now that I am making even better money, I cant find anyone to give me any credit to have my teeth fixed and I need oral surgery bad and I have to have IV Sedation to have my teeth worked on. I need all of my teeth taken out and I need dentures, the kind that snap in. I have a very bad credit score because of bills I havent ;paid from years ago. If there is anyone reading this that knows of a company that would be willing to work out some payment arrangements with me as far as financing for oral surgery or dentures goes, would you please contact me at : kayerobinson1@yahoo.com. I am in the Tacoma, WA area. I am a female.

Jared, you are the IDIOT, you mooron! I guess you've never fallen on hard times...your day is coming...just keep living.

CARE CREDIT SAYS CLIENT CAN PAY ANY AMOUNT EQUAL OR MORE THAN THE MONTHLY MINIMUM. IF THIS IS THE MINIMUM, THEN NO OTHER CHOICE.

unfortunately, thats not how credit cards work...just because you cant afford your monthly payment, that doesnt mean creditors should bend over backwards for you and make the payment lower for you just because that reason, being unemployed is hard, unfortunately, amex, discover, visa, and even mastercard dont give a crap if you cant pay your bill. and what gives you the right to sue some one because you agreed to pay a specific amount (3% of the avg daily bal) which is lower than most creditors...(3.5% - 4% avg daily bal). care credit should be the one suing you...what the heck is going on through your idiotic mind?!?!?

You actually did not need to read the small print on the back it says on the first page of your statements when your payments are due and that you have to make atleast a minimum monthly payment and have your promo bal paid off by the due date in order to not have the finance charges added. It kills me how many people are so quick to point a finger but then admit that they did not read their statements. Its really not that hard.

If it makes you feel better, they got me for over $2000! I should have read the fine print. In this case, it was a 2 year interest free loan with GE Money for a Sleep Number Mattress. I had a baby and missed the final payment by one week. I didn't realize at that time that they then get you for ALL 2 years of finance charges. I was considering using CareCredit for dental work I need done but as soon as I read complaints like yours and learned they loan through GE I've decided I'll just have to come up with the money another way. Mind, that was $2000 in just interest. My stomach hurts just thinking about it.

I HAVE FILED A COMPLAINT WITH THE BBB FOR FINANANCE CHARGES FOR BEING LATE ON MY LAST PAYMENT. I PAID IN FULL TWO WEEKS LATE OF MY CUT OFF DATE FOR FREE INTEREST. YOU ARE NOW CHARGING ME $786.00 FOR THE INTEREST OF THE WHOLE LOAN INSTEAD OF INTEREST OF THE REMAINING PAYMENT OF $381.50
MY ACCOUNT # IS [protected] MARIE JULIAN

**To expedite a response, please provide Reference code DM 080613_cb_Kathleen**

I’m sorry you have experienced issues with your GE Capital Retail Bank account. We would like to try and resolve your concerns. Please email me at gecapitalcares@ge.com with your name and phone number. A member of our consumer advocacy team will call you to assist.

For your security, please do not include your account number in your email.

Regards,
Nicole
GE Capital

I just got this credit card and want to use it in 2 days. After reading all the bad comments, I'm afraid to use it.

I have a few promotional balance with different end dates on my care credit card. I have been paying all along and my automatic payments have been going to the one that ends the soonest, until today, the first one ends in a week so they applied it to one that ends later forcing me to pay extra to pay off the soonest one. I will call when they open Monday but from last experiences with this company, they will not be able to reapply the payment to the correct charge until next billing cycle. That would mean I wouldn’t have paid in full and they can charge me all the back interest. No way, I will use my line of credit if I have to and pay the whole thing off rather than screw around with this company anymore.

l feel that l am being ripoff everytime my balance goes down payment goes up, what a rip off l'll never deal with care credit, once my balance .

They are horrible so deceptive the "promotion purchases" is a complete scam. Those transactions are treated separately so you should be making multiple payments each month one on regular transactions plus one for the "no interest for a year" transaction! They don't explain it at the Dental Office or Vet just would you like zero interest for one year? This company though the name changed needs to be sued AGAIN!

This company is charging over and above the amount. The account was for 18 months or 24 months from a dentist office. I called them for a pay off balance in july. They gave it to me. Then i got a call after it was paid saying i owed another amount. They were going to charge me interst for a paymrent deferred payment. I spoke to them and they said if i paid them over the phone $292.33, i would be paid in full. Now they say i owe $876.86 again. Then i called back again and they said i still owe them $ 150.00 today i got a bill from them saying i still owe $ 876.86 again ! I am not going to pay them money after i paid them off august 18th 2009

WOW ... this company truly redefines the old "carpetbagger" definition. Unbelievable. In this economy, in this day and time when so many people are struggling just to keep their jobs and their homes Care Credit finds it appropriate in their business practice to charge a 19% recurring interest. So they send you a monthly bill for $22.00 on a balance of $650 but little to so many unsuspecting consumers realize that out of that $22.00 being paid, 75% of it is going towards their finance charges. In the end, a balance financed of $500.00 ends up costing twice as much.

I tried calling this company to resolve this issue ... shortly after I lost my job. I spoke with Kelvin who purported himself to be a supervisor. He offered a 3 month payoff with interest still accruing but said that the account was closed. I had a balance at the time of just of $500.00. This was 3 months ago. I got a bill today of $810.00 ... which was fed by the insane interest charges that they apply each month.

I am still waiting for this illustrious 3 month payment plan that the supervisor, Kelvin, offered but ironically (and typically) when I call no one knows what I am talking about.

I submitted a complaint with the BBB today ... we will see what happens. But I warn anyone out there who is looking for an alternative to pay for the rising costs of "out-of-network" or "out of parameter" medical procedures to beware of Care Credit. Don't get caught with their application and pen in your hand for you will be signing away your savings.

OK, so last month I called in to do a payoff, I was told I wasn't qualified ( because I have never missed a payment...bad customers apparently get the good programs) to do it so I was offered a 4 year program with no interest and a payment of 100 a month. I ACCEPTED because I thought it was a great alternative to what I had. I get my statement and it doesn't reflect any change. I called back and was transferred in a black hole of unhelpfulness. I was put on another "program" that offered a 10% APR (which is normal) for six months..(seriously..how the heck is six months going to help me) I did not ask to be put on this program and it was never offered to me...an "account manager" who said they were bringing my case to a supivisor and they would call me back put it on my account without even talking to me. I found out when I called back because I never received a call back like I was told I would. This is a not good business practice...apparently if they take me off the program they can't put me back on and since this is the program they put me on they can't give me the one they originally offered me. So basically they *peep* *peeped* me behind my back so they didn't have to give me what they originally promised. SO corrupt. I originally began using care credit because I had upper and lower jaw surgery and needed to have some exstensive dental work after the surgery and didn't want to look like an alien because I couldn't afford the work. I used the program and paid they payment the requested..little did I realize they weren't requesting the correct amount for a payoff and because I was a thousand dollars shy of my payoff they put over TWO THOUSAND dollars of back interest back on my loan...:( I could cry typing that. This has been such a horrible experience and Care Credit's lack of support or real help has only made the experience so much worse. I honestly haven't even touched base at all the trouble I have experienced with them.

This card was suppose to be design to help pay for medical expenses. They are a RIP OFF. my monthly min. due is 123.00, they charge me over 100.00 a month in interest for a 4, 000.00 bill. This is an onging thing that you can never pay them off. They include a phone number on the statement to help you pay your bill through consolidtion. Once you sign with their choice of colidation, they refuse to accept it and then they chage you late fees for sending in the amount the consolidator ask...Then they have people to harrass you from 8am to 8;55pm. Most of the people do not speak English clearly; yet have the nerves to threathen you.TOTAL RIP OFF. FOR YOUR OWN HEALTH DO NOT SIGN UP WITH GE MONEY aka CARE CREDIT

I accidentally incorrectly entered one of the numbers on my checking account for the auto pay feature. They never contacted me to tell me my payment did not go through. The first contact I had was with a collections agency telling me I was past due and my interest rates had been raised from the 2-year interest free plan to 30%!

DO NOT USE CARE CREDIT!
This company is a spam! They get you to open the card at 0% for 12 months and they tell u that everything after that is deferred interest! Well if you're not familiar with that term, I'll have to say that it's basically the modern way of stealing money! After your 12 month is over if your balance is not paid in full, they will hit you with a huge ridiculous amount with might even be more than the balance that you owe because they have been charging you interest since day 1 and they have been adding all the interests even if you paid your monthly payment and have applied it to you now! I have been a victim and I have a high credit score so when I called them they told me that I will have to pay that amount because this explanation had been in the fine prints! So I paid everything at once to not hurt my credit ut my advice to you is : That if you have to use your 20% APR credit card to pay for your medical needs do it because at the end, you will be charged less with your credit card than with care credit! Having this card was one of the WORST experiences in my life and I'm sharing this so you wouldn't be a victim!

The complaint is that Ge money sent the entire amount of the credit applied for for dental services that were being considered for work. However my wife did not have the work done by that dentist and the care credit place (GE Money) Sent the dentist the entire amountt and has been harrassing us and also sent bad remarks to our credit scores.