CareCredit
Reviews and Complaints

Beware of this company's predatory actions. Care credit uses outdated credit info to decide whether or not they will reduce your credit line while in contact.
This is the second time care credit has reduced my credit limit putting me at 97% credit usage, ultimately dropping my credit rating by 60 points. When contacted and asked for the reason behind these actions, they stated that 60 days ago my credit use was high (christmas, holidays), but had since been paid off...
Their system back dates interest, and will reduce your credit limit quarterly, but not notify the consumer. I spoke with several managers whom were all very nasty and blamed my carelessness for the reason of my reduction... Funny I had a 740 score until yesterday... Please beware. If any attorney read this, feel free to find me...

12/18/2020
I used the Care Credit mobile app to pay a veterinary bill of over $1800. I was offered, on the app, the option of 24 months deferred/no interest if paid in full. This was somehow changed to fixed/reduced interest "until paid off" - no. Why would I choose 24 months if it's "until paid off"?
I would like this to be amended to my choice.

I made a payment on 8.11.20. I received confirmation it was accepted, however, I reviewed my account and it appears that the payment was reversed the same day. I was never notified. I called & spoke with teresa. She informed me that it came from a different account & that is why it was reversed. I informed her that I have no other account listed on their app when I make payment. She then tells me she can not give me the last 4 of the bank that they say was reversed from. Asked to speak with her manager, then she got sassy and was "overly" nice telling me to have a wonderful day, etc... I gave that right back! Spoke with shannon her "supervisor" and she was as worthless as teresa as to any valid explanation. If it weren't for me watching my account I would have been hit was late fees & interest without cause. I should have been notified by email, phone app, or text that a reverse was issued. Carecredit will do anything to get money by fraud

On Aug.16, 2019 I was approve credit from Care Credit for the procedure at Sonobella..The contract was written and the agreement of monthly payments, the balance and down payment was all establish before agreeing to accept the terms..The balance was $7, 000 and was due the following month. Prior to even paying even before the first due date the amount was reported to credit bureau a balance of $7, 200 ..$200.00 over the agreed amount and was reported as being over the credit limit..This immediately dropped my credit rating 20+ points.
Discovered that they automatically apply a card security amount( $170+) .When I inquired about it, they said I reqested it during the application process, which I did not .They aggreed to refund the paid amount, which they did not, but Care Credit never made any adjustments to the balance and still hasn't changed the amount on the account.
I need the account to reflect the proper amount, reflect and report the correct amount to the credit bureaus.

I have a fixed payment account and a 6-month deferred interest payment account. When I have made payments in the past I have expected that any amount over the monthly fixed payment would be applied to the deferred interest account. WRONG! CareCredit applies payment allocation however the hell they see fit. Each time I have to call them back after the payment to get it reallocated the way I want it to be applied. And that takes at least 1 payment period to show up in my account. What CareCredit is trying to do is to string me along just long enough that the 6-month deferred interest account is not paid off in time so they can jack me with interest charges. I have called to complain about, I have written letters to complain about this, and they simply don't give a crap. They just reply with excuses. Terrible company, predatory lenders.

I had the insurance on my account. I lost my job in July of 2019. Have been trying to figure out how I could pay the account and called numerous times. Spoke with customer rep. That reminded me of insurance. Tried to file was told that it was canceled in 9/2019. Tried to speak with manager...told could not because my account was past due when in fact, the past due was paid.

Care Credit is a predatory lending agency. I was sold a 24 MONTH month 0 interest promotion for my LASIK eye surgery. I received NO warning that this promotion was going to end after 12 months. NO NO WARNING at all. I signed up for paperless billing and I notice my balance was not being paid down. I called CARE CREDIT 7seven times and explained and they would do nothing for me. I asked for a copy of my terms and they said it would take three billing cycles. THREE billing cycles, as they gouged me month after month at 36% interest...me with almost an 800 perfect credit score. KARMA is a b@t#H and they will go out of business soon. DO NOT USE this company. They are SCAM artists.

My complaint is the same as some others of making payments. I called customer service res on all levels to fix the problem and i was told problem fixed and i would get no more service charges tacked on. I am diagnosed with COPD and can't talk on phone. I was told I would be paying monthly payment. All lies with reps and harnessing phone calls. So include me in class action.

I called in today to ask a question that I asked before about my husband's bill. I wanted to know why I had a $0 payment due this month because I logged in to pay and it wouldn't let me pay anything. I was told I needed authorization from my husband who works out of town. He has already authorized me on the account because I called several times before with no issues. The agent kept telling the same thing over and over again, but wouldn't directly answer my question of do I have to get his authorization every time I call in after this because I have only needed his authorization once and they never asked for it again, until now. I asked to speak to a manager and she sounded like she had no idea what I was talking about. You won't believe what she told me, she said that every agent who helped me before when I called in were not doing their job correctly because they didn't ask for authorization. Really? So, I told her that they needed to get some training or something because I have called in several times over the years and I have only had 2 agents ask me authorization, the first agent I called when the account was opened and then, several years later, the agent I spoke to today. This account has been opened for at least 3 years and I've had several questions and have spoken to several different agents. I just wanted to give people a heads up about the customer service at this place it is horrible. There's also been instances where I was told I had not paid this bill the month before and I had to make two payments at a time, even though I know I paid it because I keep a list of all my bills, when they are due, when they are paid, and the confirmation number. It is also on my bank statement, but even with all that proof they still tell me I have to make 2 payments; this happened 2-3 times. Just be careful with this company. Hopefully, we can get it paid off soon so we can close this account and be done with it.

I was told that there wasn't any interest on this and out of nowhere I get a notification that my credit score dropped because they increased my available credit plus hit me with a random charge of 250 dollars and 351 for "deferred interest "! HOW the f is this legal?! This is definitely a form of predatory lending! I have never seen any type of credit card charge such outrageous fees without disclosing or warning you of this ahead of time. I really think they should be shut down for the way they're doing business. This is pretty darn similar to our mortgage lending crisis we went through. Unbelievable!
See attached for my account activity.

I opened a care credit account for some dental work I needed. I made 5 different charges to the account for a total of about 6000$. A year and 2400$ later they slap me with 1, 000$ interest charge and tell me that every transaction is like a seperate account, each accruing its own interest. And that ive only been paying off one of the transactions. After having paid them 2400 I still owe 5400$ on the account where I originally borrowed 6000. Im no math wiz but that math doesnt add up. These people are scam artists

My care credit acct was for a medical procedure . I opened the acct. In october 2008. The loan was suppose to be no interest for the ENTIRE DURATION until it was paid off. I ended up paying $1000.00 extra in fees and interest to get them paid off. Each time I called they would state that the fees were removed, but they were not. They were drafting the payment from my checking account but still charging me "late" fees and interest. How can I try to recoup what I paid over?

I have to say I've been a Carecredit customer for over 5 years and out of those five years I've never been late; except for an instance, when I've had death in the family and I call and the Care credit manager waived the late fee due to and I paid my monthly payment and that was two years ago and this time due to Hurricane Michael and now after Hurricane Michael. When I called them before my payment was due and explain that Georgia would be affect by the storm and I wanted to extend my payment so that I could prepare for the storm I was told that my payment could not be extended and I would need to call back and the late fee would be waived. But what they didn't say was you would have to pay the late fee because it would already access and it would have to be removed from your balance. My problem with management was treating me as if I was dumb and I didn't know what I was talking about she was trying to tell me my payment flatulates and even if she remove it my payment has never been the same on any given month and what pissed me off is she was trying to make what they where doing correct and if I was told to call back and it would be remove and I could make my payment that's what should've happen. I don't know how long she's been working there but I know how long I've been dealing with carecredit and they need to send her back to management class on how to deal with people and have a little empathy for others because when you live on a budget your money is accounted for and when a major hurricane comes into play and a creditor tells you the late fee will be waive it should be waived.

Me and my grandmother have had a random 40 dollars to our account. I asked the customer service rep. About this they claimed it was because I was late I asked if I've paid the late fee every time then why would it rise my monthly payment he said I'd have to pay the balance then see if it dropped on my next bill then hung up.. I've asked for a full receipt or a printout for all payments made or evidence of missed payments the stated that they couldn't release such information. Or they'd tell me they'll mail me statements and they just send me a bill with a copy of my last payment.

I want to get dental work done and was told that I needed a crown, a bridge which they never put a temporary in another hurts for all week. They changed me 4500 through Care CreditThey did a horrible job I'm in pain the bridge feels like the cows tooth and they will not take any responsibility and they want to dispute. Care Credit will not help and the doctor say they already got paid so they don't care. Care Credit will not help. Now they say I have to see a specialist.

I had a flexible savings account with my employer. You have to have a receipt before they will release the tax exempt funds from your account. My dentist wanted to be paid on demand. They recommended Care Credit until I received my funds from the account. Stupidly, I did this. I had no idea how crooked they were. As soon as my funds came from the FSA account, I paid the bill. Lo and behold, they sent a statement charging me a $50 late fee. I tried to contact them and asked for a manager. I was unable to locate anyone. I paid this bill one week after receiving the statement. On principle, I did not pay. They sent to collections and $50 was now $300. I still would not pay. This put a blemish on my pristine credit report. It was still there, 12 years later. They are absolutely the worst credit card I have ever seen.

I had a Care Credit card that I could only use for medical purchases and it was great. The company sent me a new card that was also a MasterCard so that I could "use" it for other purchases. I say "use" because it would never process through. I tried it at my Dr. Office, Dentist and Vet and each time it would never go through and I would have to use another card. I also tried to "use" it for gas and other purchases and the same thing would happen. I opened a ticket and after a month of "research" I was told to have my Dr's and Vet to process it as a regular Care Credit charge rather than a Master Card. So my Vet tried to process a charge again and it would not process and when she followed instructions and called customer care the help she received was sub par, her words. So I called to go back to the regular charge and was told that was not possible. I asked to speak to a supervisor and when asked why explained that it made no sense that I couldnt change back to the plain card. At this point the rep got snippy which made me snippy and I ended up cancelling this card and I will not go back to this bank or card.

I'm surely done with this terrible company that hires unprofessional staff who afford to treat customers the way they want.
Oh god, if your service is related to a financial filed, your staff should be well-trained. It's very serious.
What do I see here? Arrogant, rude and obnoxious people, who forgot who brings money to their company.
I needed some assistance with a very simple issue. And one of your employees talked to me like a was a piece of garbage. A very rude tone, he tried to show how my issue wasn't interesting to him. Ok, but I'm not an entertainer, I called to resolve my issue...
Ugh, he didn't help me at all. He transferred me to another rep, and the last one just hung up on me. I am disappointed.

We are a care Credit provider. Care credit didn't respect us.
The dispute phone is never answered and they never called us back.
They send a final solution, before the due date.
We spend time and money send several fax and mail to you guys, and nobody care.
The dispute only say we didn't provide information, this is lie, we sent.
Also, the caskback is the full amount. What? We work for free to you guys?
Please I nee to talk to someone who care about care credit.
Thank you
Amanda dos Santos, [protected]