CareCredit
Reviews and Complaints

So I filled out an application for the card but I forgot to put the amount I needed and so it denied me of course but then I tried again, this time remembering to put down the small amount I needed. They said they couldn't accept my application because I was already denied. WTF? So I tried calling, but guess what? No number to call! Either you call for applying where you'll be met with no human assistance whatsoever, or you call a number for existing card holders that makes you put in your account number(which I obviously don't have) before I can speak with anyone. BS. All I need to say is hey I goofed up my application can you let me send one filled out the right way this time?

I just had to have emergency surgery 2/10/2016 and I saw a brochure for care credit in my Dr. Office. My surgery was $5, 500, I am currently taking care of my aging parents and decided to go with the 5 year financing they offered me... my bill with interest should run under $70.00 a month for 5 years. I signed up online and went to check out my account to get set up for my first payment. My bill was $160.00 a month for 5 years! $91 /month was added each month for card security...I called immediately 3/16/2017 to cancel this non sense. That would add up to $91 x 60 months! Also...my credit report shows $150 over limit? BE CAREFUL...now I am having complete anxiety as to what this company is capable of and the stresses I will have to endure dealing with such a sneaky company. Reading through the reviews it does not matter when you make your payments or by which method, they will find a reason to charge you fees. The representative (Jonathan from Nebraska) on the phone could not supply me anything in writing that he had canceled card security just a confirmation number and told me I had to make the first payment of $160 and would be refunded in one week but that the card security would be canceled asap 3/16/2017

I would like this cancellation in writing and my payments fixed! I want to see when I go to my account online this has been fixed...I do not have $160.00 to pay this company to avoid a late fee due 3/18/2017 ...why should I have to pay for something that has been canceled? We were mislead when signing up and told this would cost $7.99 month TOTAL...help
Cancellation number given by the company is DD1B8000

I stopped receiving a monthly statement sometime ago. I have paid them each month online and keep a record of payments made. As of February 12, 2016, my balance due was $2, 940.00. This, incidentally seems to be the last time I received a statement from them. Also about this time I was issued a new card which I have never used.

I have continued to make payments since that month in the amount of $222.22. Suddenly when I looked at my account on line it says owe $4, 424.00. THIS IS NOT TRUE! I tried to talk to someone on line who was not at all helpful. This is either a terrible error on their part or clearly fraudulent activity.
Frankly, I don't think I will do business with them anymore. I am glad I have a complete record of all payments made to them so that I can prove that I do not owe the amount stated.

I initially got this card when my dog was on the verge of dying. I racked up about 6k in vet bills. I paid about half of it down and then decided to close the account because I wasn't happy with the service and the teaser rate was replaced with a 29% interest rate. Knowing I would never use this card again, I called and asked them to cancel the card entirely. Well after paying more than the minimum for three years, my balance went from $3300.00 to $4800.00 I was floored. I called and asked how this could be? How could I be paying more than the minimum, not using the card in 3 years and have my balance go up 1500.00? Well I was told that I was being charged $100.00 a month in interest. Ok, well what about the rest of the payment of $65.00 isn't that being applied to the principle? No I was told that was being applied to my security protection plan. ? What? I said I canceled this card entirely in 2013! Well Care Credit took it upon themselves to keep the security and the fee that goes along with it active. @#!*#@! So every month I was being charged $176.00 for a canceled card that I was not using. Buyer beware, Care Credit/GE/Synchrony, whatever name these parasites want to hide behind are no good. Very deceptive and predatory practices. So I called to remove the security protection and the customer service rep who was rude (colossal understatement) told me that it would take several pay cycles for that to go into effect. Funny when it was initiated it went into effect immediately, but since your losing revenue, well that's going to take some time. !@*#@! Here is my tip to anyone dealing with these blood sucking leaches. Make sure you cancel the protection plan and go online and pull up a biweekly amortization calculator, plug in the number of years you want to pay off the credit card, the amount and the 29% interest rate and that will tell you the two biweekly payment amounts. I want to be rid of this debt and close the chapter on these financial vipers.

I am CareCredit customer. I stopped receiving statements from them around Spring of this year. Up until August 2014, my payments with them was current until, I had an emergency illness and had to be off from work for six weeks. During that time, I wrote them a letter explaining my situation and not once did they bother contacting me. I called them several months ago to try and set up a payment plan and to have them mail me a statement. I spoke with a gentleman by the name of Michael, who was extremely rude and told me that he could not and was not going to be mailing me a statement. Rather than calling them again and hearing the same abuse, I wrote them a letter on November 23, asking for the same information. As of today, I still haven't received my statements in the mail. I would like to set up a payment arrangement if someone could do what I had requested.

I was never informed that my medical purchases were only temporary 0% interest. Paid my bill every month on time and now Im over the limit with tons of additional fees and technically past due cause I was unaware of the changes in my minimum payment due.

I signed up with Care Credit about a year ago for some dental services. My total amount of credit though them is 2, 500 in which 1, 800 was the total for my services. They are the worst credit agency I have EVER worked with. My bill is due on the 11th of every month by midnight. On my May statement of 2014 I was less than 24 hrs late on making my payment; which was of no fault of mine. I tried to make the payment by midnight Sunday the 11th but was unable to access my account through their online services due to a human error on the behalf of Care Credit, they had my birthday wrong. I did make the payment first thing Monday morning through a live operator. On my June payment I had a 35 dollar late fee added which brought my bill up to 98 dollars over the normal 53 dollar payment. I called and spoke to a representative and she stated that she would refund the fee and to go forth with making my regular payment of 53 dollars on the next due date, June 11th. I made sure to make that payment on time! My bill for June just came in and instead of being the norm, 53 dollars, it is in fact 138 dollars. I called and asked why I was being charged another late fee on the amount of the past late fee that was suppose to be taken off. They stated that a late fee is refunded through a credit on my balance has nothing to so with amount due on my bill? Why didn't the first rep tell me this then? They also stated that they credited me back the 35 dollars on my total balance, which never showed up on my new statement, it only showed up on my transaction summary. The account supervisor was very rude and unprofessional, and basically put their error on me. I see there are plenty of class action lawsuits against this company, and now I know why. They will tell you something is taken off, in my case the late fee of 35 dollars for May, just so they can charge your account another 35 dollar late fee by your next bill. No late fee was ever refunded nor does it show up on your account balance, just the transactions, nothing else. THEY ARE A FRAUD, and just as Bank of America was made held accountable for their action of overcharging customers with unjust late fee's, so should this fraud lender! DO NOT USE THEM!

I have used Care Credit two times because, I thought it would help me with the major dental work that I needed to have done. It only caused more problems and it would have been better to get a loan from the bank than to deal with these idiots! I had the perfect credit for single adult, only to have it ruined by this company. I paid my bills in full, paid on time and with each payment, I had to call them to ask why I had a late charge when the payments were always there on time and even cleared my bank. Now, I am receiving calls from "Lawyer" offices, making threats towards me. They have even called other family members trying to track me down. I am at lost for words and in all honesty have no clue as to what to do to get my credit cleared up. I just want something in writing that says it was paid in full and to get this cleared off my credit report!

(Sorry. I accidentally sent my complaint in without completing the details, so I'm going to try it again.)

I was pressed into using Care Credit when I needed a root canal, and didn't have the cash to pay the entire amount up front. My neighbor warned me not to do it, but I seriously needed the procedure. Initially, I was having no problem paying on the bill. But I've had to deal with a lot of financial difficulties lately --I'm on two fixed incomes, and my money goes out to pay bills as soon as the check is in the bank) --that have left me about $500 short each month of what I actually need to pay all my accounts up to speed. Three of my accounts are GE Capital Retail Bank holdings. All of them are currently behind, and all, consequently, are problematic for the same reason. Care Credit is the most harassing of the three. I have tried to make my case with the customer service people who answer the phone, but they all seem to have heavy accents which I have a difficult time understanding. Some of the calls about the CC account end in a hang-up; I pick it up, say "hello, " there's the sound of someone's voice (about one syllable worth), then a few seconds of silence, and a complete hang-up with the loud noise followed by the automated voice that says, "Please hang up and dial again." So I know that I'm not being transferred to an agent. I've gotten up to three calls a day about this account. I would calI and report this as harassment, which I obviously haven't as yet. But since I don't recognize the phone number, I've neglected to make on-time payments or explain my current difficultiIes to the GE Capital representatives.
The calls on the other two accounts have been mounting lately, as have the late fees, which, with my limited income, are making it impossible to pay off any of these accounts. You, as a company, are single-handedly ruining my credit, and the decent score I've been working to improve over the last year to 18 months. My neighbor was correct; I should have had nothing to do with you people. (The other two accounts are an Amazon Storecard, for making cheaper necessary purchases, and a Lowes card for winterizing my 31-year-old mobile home which doesn't hold its heat anymore. As you know, West Virginia has been in the thick of the worst winter we've had since I moved here 25+ years ago. My late husband and I lived handily on his fixed income until his passing on New Year's Day 2006. He was a wonderful, multi-skilled handyman, and I leaned on his talents heavily since that's not my gift set. But since he died, most of what I've had to deal with is something that he could have fixed for next to nothing. I spent last winter in Florida taking care of my 85-year-old mother who lost my dad to pancreatic cancer in May 2012, and was diagnosed a few months later with breast cancer. I came back to WV in May last year to a "dead" refrigerator, and over the following months, have had to borrow money to pay for a new well pump, among numerous other things, including my winter firewood ($450 for three cords; I have to wonder if the wood is going to outlast the long, cold winter). If you wouldn't keep adding late fees and high interest, I would have paid all three of these accounts off by now. So the sooner I can pay my balances down to zero, the better for all of us. I need to have six months interest-free, late fee -free so that I can render my best efforts to pay in full; if your company will permit me the latitude to do so in the face of all of my recent financial woes. It's up to you, because making it difficult for me is only putting off my paid-in-full status indefinitely. Kindly respond. I do not wish to receive any more harassing phone calls -- read my lips: NONE. Emails work much better than trying to wade through someone with a thick accent. I'll be waiting to hear from you as soon as possible.

Very truly yours,

Pat Mudgett

I had a pet that suffered from seizures. In an emergency care at Oradell Animal Hospital, my friend was informed to apply for a Joint CareCredit account. Being that my credit and her credit was "bad, " they approved the card for $6, 500 with no interest. I paid as much as I could on this account, until the promotional period ran out and all of the back up interest accumalated. I believe the vet killed my pet and he passed anyway the next day and now I am stuck with a huge bill. Time has passed, tyring to improve my credit and not default on this account I placed it into a DMP progam, but a couple years later I still have not even made a dent on the initial approval amount of $6, 500. I feel that CareCredit's practices are to fraud individualls that should not be approved knowing that they would default. I put the card in a DMP program, and after missing one payment, they dropped it from the program and now am being charged late fees. I request that anyone that is in an emergency situation, not be coned into using CareCredit as the end result will not be to your favor.

After applying for Care Credit I realized that I made a big big mistake!. I used the card to pay a portion of my dental work. Not understanding that each time I use the card I had to choose a repayment plan for the same dental work. I reached out to a Representative from Care Credit and explained the situation. He informed me to speak to the dentist office. I spoke to my dentist office Billing Representative and requested that she make the adjustments for all future bills to reflect payment option chosen. The next month I received my bill and the payments were doubled the amount agreed to, in addition to a late fee of $31.50. The repayment plans is astronically and it is designed to accrue as much interest from one time use to a multiple purchases. Care Credit is a total scam! Unfortunately, I still have an out-of-pocket payment in addition to the interest and fees from last month. WARNING! If you have another option to paying your medical, dental or comestics needs--do yourself a favor do not use Care Credit, you'll be sorry!

I have the payment sent out at the same time every month as $25 is due the 13th of every month. They said even though they received it, they may have processed it late. I keep getting calls saying a payment was late and its their fault. I don't know how they can hold it against me that they don't process it before the due date.

using care credit to pay off dental bills was the worst mistake I have ever made. I had a 5k dental bill after need extensive repair following a car accident and the interest they charge is RIDICULOUS! I always make a double payment every single month and in over a year my balance has only gone down $1200 after making monthly payments of $300 if not more. if I could warn every single person on earth to never use care credit I would. I have now gotten a new credit card and will immediately transfer my care credit balance, and I don't care how desperate a person is for treatment I would never ever resort to care credit again!

My son needed dentures. The dentist offered Care Credit as a payment plan. My son applied and was denied due to bad credit. They told him that I(his mom) could apply for Care Credit to pay for it. He used his Visa for part of the payment and the rest on my Care Credit account. They have been after him, saying that he owes $1000 plus interest and they are suing him. The dentist office would never give me an itemized statement, so they are no help. What kind of scams are they running? This is not the first I've heard of this happening.

I was in desparate need of dental work. I have always taken care of my teeth, but due to suspected medicines I was having to take for a illness that was making me disabled, I did not have any dental coverage, nor the money to purchase any. I had been denied actual Disability from Social Security twice, but I had filed for an Appeal Hearing...the date yet to be determined. I had been referred to an endodontist that offered the CareCredit Card applications. I called, and as it turned out, I already had a account that had been used years earlier for my ex-husband, but was just in my name. I talked to the customer service rep. about using the card, and that is when he asked if I would like the Disability Insurance offered on the card. I asked specific questions about the Full-Disability rules. They were explained to me that anytime after I was enrolled in the Disability Insurance, if I became officially disabled by Soc. Sec., , the balance of the primary account holder would be paid off. Even though I had already been denied Disability twice, and didn't have a requested hearing date yet, I decided to pay the hiked up extra each month to have this insurance. I finally did have my day in court, and did receive the right to collect Disability. When I submitted my claim to CareCredit, I was told that even though the date I won Disability was after my enrollment, because Soc. Sec. will back-pay up to 2 years, if proven illness, their Disability Program did not apply to my case...directly contradicting the specific questions I had previously as their customer service rep. on the phone before I even began the dental work. That day on the phone, I was told that the call would be recorded for training purposes...blah, blah, blah..so, they have exactly what questions I had asked, and exactly what answers I had been given. I am still forced to pay the hiked up price each month for the insurance, where this issue is not yet resolved...dispite the fact it is not worth the paper it is written on. What good is the Disability Insurance, when Soc. Sec. most always goes back the 2 years...because it generally takes that long just to have your case settled with them. THIS IS A PRACTICE OF LOOP-HOLE FRAUD !

On top of being unemployed and without medical insurance, the only way I could use my carecredit was if I purchased glasses at their participating vision centers. I compared the same glasses at that vision center and at LensCrafters and vision center was $849 and lenscrafters was $423. seriously, half price but Lenscrafters doesn't accept carecredit. Carecredit needs to screen their participating vision centers alot more! Now im doubting if I got ripped off at the dental center because they cross sold and maxed out my line to $5, 500!

I had paid my next months payment too soon so they told me that I would have double the interest rate if I didn't make a double payment the next month and that if I ever did it again to where I made the payment too early a higher interest rate would be applied to the remaining balance. Well they have a way of making it difficult for you to make your payments so you end up having to call consistantly to get things fixed with their website. You can only pay with a checking account I have had my Care Credit card for over two years and all of a sudden the information that was on the site last month has disapeared and they are having a problem with their system accepting the banks routing numbers. So I called to see when it will be fixed and she simply told me I had to make the payment by phone. Well all they needed was the last 4 digits of my checking account number to run it...so they have it in their system. Then she told me that she would send a paper confirmation for the payment in the mail. I told her that was unacceptable and to give me a confirmation number...she complied and gave it to me. I was to take a survey after the phone call, but she stayed on the line and told me that I would have to disconnect the call by hanging up! This company gives me a gut ache they are hard to work with and most of the customer services first language is not english so they are not helpful but to answer the same way everytime and sometimes VERY hard to understand which frustrates me more! I would suggest to anyone to go through your trusted bank and get a credit card issued rather than go through care credit...they are very shady!

I had some dental work done and opted to use CARE CREDIT for the first time ever. My dental work was $5, 500 on a 24 month interest free plan and I paid my bills online. I feel they misrepresented my information because on the statement it said "minimum payment due" starting at $160.00 and because I would pay more than the minimum I would see the payments eventually drop down to $120.00 per month. I was very excited to see my balance drop and I always paid on time. TO MY SURPRISE my balance had increased from $2, 600 to $4, 900! They said it was because I didn't pay off the full balance in 24 months. This is outright misrepresentation and borderline FRAUD because they should have put the REAL amount I needed to pay (minimum payment), not just a small one liner in a vague position on the e-statement. The company won't work with me on it because I'm past the deadline. I'll pay this off with a loan I can get for less than 14.99% and NEVER use this CREDIT company again. I know if this happened to me it surely has happened to others. WHAT A SCAM!

I acquired a Care Credit Card through GE Money back in 2010. Over the past 3 months I have received several settlement offers to pay and close the account. In Feb 2012 I was contacted by a collection company that GE had sold the account to for collection. I made an agreement for an amount around half of the original balance. The amount was agreed to and the money was taken from my bank account. Approximately 3 weeks later I received a bill for the remainder of the original balance from GE Money (the company that had sold the account to someone else!) It is a terrible thing that such a large (despicable) company can do this to thousands I am sure. I made the agreement with them and they are not making good on their end of their part of the agreement. And to top it all off, they said the card was paid to the agreement and cancelled as of the date of the agreement. Don't use their services, you will be sorry later.

Skin Speaks Spa MD & Advancements in Dermatology in Burnsville, MN offered the CareCredit financing for their special event. I chose to have my dermatology work done there ($2500 worth) due to the interest free financing for 18 months. My first shock came when I received my first bill and was charged a finance fee of $35 before I had even had any work done. They told me they'd remove it, but then a total of a $17.50 finance fee appeared and that my free financing was only for 12 months. I was then told that they could only remove 1/2 of the original finance charge! The biggest shock came when my last bill also showed I now owed the back finance charges for $610.54 due to missing the final due date which had changed. The rude customer service rep told me that the due date which I'd paid on time every month was different for the final payment and was set up for the expiration date instead. This was about 3 weeks earlier than the regular due date I'd been paying online every month. CareCredit financing is a SCAM set up to count on people not reading all the fine print so they can collect all the finance fees at a 26.99% APR!