CareCredit Omdömen 

Tried to do the online application. Entered all my highly sensitive information just to have the site say they were having technical issues. Called the # hoping to complete the application with a rep just to be told that I had to complete it online. Seriously? Why even have a number then? I gave up. Now that I see their rating here, glad I gave up. Sheesh.

Horrible experience today. I was on hold transferred multiple times verified the same information. I had to ask multiple times what happening as the reps would not provide any clear communication

After being with CareCredit for 20 yrs and Never Ever missing a deadline for special deferred interest payments or payments of any kind we are very unhappy with what transpired. We moved abroad and could NEVER get connected to them online or by phone in the last 6 months. We circumvented the system and finally got through. Their was an extra charge added by the provider which we knew nothing about so we missed the special promo end date and was charged 2 yrs worth of back interest. Our beef is that whether you live in the U.S. or abroad you should STILL be able to reach a company Online or by Phone without having to go around the system. Note: We have No Problem accessing ANY of our other accounts via online or by phone.

This is the worst company I've dealt with in 50 years. Their customer service is fragmented - agents can do very limited things without transferring. They will not (cannot) escalate your call to get resolution. If they can't resolve, they simply do not care. Usually I was transferred 3 times in each call. I used them thinking I'd spread out the payments on a med procedure over 6-months. Within a week of using them, I tried to setup my online account and login. I received 15 (fifteen) verifications yet I could never get logged on. I called three separate times. Still could not get on to the system. Within two-weeks I received a paper mail message telling me I had been locked out of my account (which I never got into) because of suspicious activity and fraud. Keep in mind, at this point, I'm simply wanting to ensure I "pay" my bill, not use any more money from them. Another week passes and I receive a paper statement in the mail with a by-mail paper coupon. I was so frustrated, I paid the entire $4350 to be finished immediately. Then on Monday, 9/21, I get an email stating if I don't sign up for paperless statements, I'd be billed $1.99-2.99 per month, so I called to explain I can't get into the system to approve paperless statements, and oh, BTW, I've paid my entire balance. Keep in mind, this is a Monday. The agent explained that she could see my check was received and the entire payment was paid in full, but then apologized because the bill was due Sunday the 20th, it was Monday, so I would incur a $30-50 late fee. Granted, my payment was received physically, entered into their system on Friday (business day 9/18, two days before the bill due date - it was the full balance, but "they" hadn't posted it yet, so I was being billed a late fee. This is an FTC Scam - they have probably millions of dollars the accumulate simply by their own unethical billing practices. I asked for an address to send in the fee to just be done - the agent wasn't sure how much it was going to be - I said I'll send $100 just to be done with your company... I had her close the account. I could be on my death bed and would NOT EVER use this company again

I have been a CareCredit customer for more than a decade. I have 3 beloved pets requiring Rx diets and vet care for chronic conditions. I just retired from my social worker career. Paying off debt with 0% balance transfer was necessary as my monthly balance included almost $300 in interest fees for over the last year. 5 days after my payoff the card charged me nearly $300 again on the last statement. When I called to discuss this I was transferred to an account manager who had no heart, no interest in discussing and used the words, NON NEGOTIABLE, repeatedly. All of my gratitude to CareCredit disappeared in a flash. I will not be using it when I adopt new pets. I am no longer an ambassador. Extreme capitalism and usery has ruined this nation and our corporate community.

Very bad experience. Don’t take do business with these people they’re scammers

This credit card company is not helpful at all
They are charging me after my debt was paid in full
I had question to the manager Tony and she was no help at all
Very disappointed with this credit card

Care credit rates is outrageous and they charged me almost 60.00 interest and my payment 73.00. My charge card $2,000 and this is getting ridiculous! After i pay this card off and I will be closing this account!

Was told by dentist it would be a soft pull on credit check, it wasn't. I thought it was for poor people but I was mistaken. 33% interest rate. Credit score dropped 36 points in a month, I've never heard of such a drop. Just another scam, preying on the poor who need medical help

FORMAL COMPLAINT REGARDING DISPUTE HANDLING, FAILURE TO CONTACT MERCHANT, AND LACK OF RESOLUTION
To Whom It May Concern:
I am submitting this formal complaint regarding the handling of a dispute involving approximately $3,000.
I have been a customer/client for more than five years, and I am extremely disappointed with the way this matter has been handled.
When I originally submitted the dispute, I was required to wait through the stated dispute-processing period. During that time, I was informed that the claim had been reviewed and ultimately denied. However, I subsequently learned that one of the fundamental steps your company represents it takes when processing disputes—contacting or attempting to communicate with the merchant—had not been properly completed.
Because the merchant had not been contacted, the original dispute was not properly investigated before the claim was denied.
I subsequently spoke with a manager regarding the matter. The manager acknowledged the communication failure and, understanding that the merchant had not been properly contacted during the initial dispute process, agreed to reopen the dispute.
I am now on the second dispute process, and despite fully paying the outstanding balance of approximately $3,000, I still have no resolution.
What is particularly concerning is my experience attempting to obtain an update. I have contacted representatives multiple times regarding this matter. On more than one occasion, I have been placed on hold and left without a representative returning to the call. I have also experienced representatives disconnecting/hanging up on the call without resolving the issue or providing a meaningful explanation.
This is unacceptable, particularly given that I have been a loyal customer for over five years.
I am requesting the following:
1. A complete review of both dispute investigations, including the original dispute and the reopened dispute.
2. A written explanation of what occurred during the first dispute, specifically why the merchant was not contacted before the claim was denied.
3. A written explanation of what steps have been taken during the second dispute, including whether and when the merchant was contacted.
4. The current status of the dispute and a specific timeline for final resolution.
5. If the dispute is being denied again, I am requesting a detailed written explanation of the basis for the denial, including the evidence and investigation findings relied upon in reaching that decision.
6. I am also requesting that this matter be escalated to a supervisor, manager, or appropriate dispute-resolution department rather than requiring me to repeatedly contact front-line representatives who have been unable or unwilling to resolve the issue.
I have fulfilled my financial obligation by paying the approximately $3,000 balance in full, yet the underlying dispute remains unresolved. I should not have to repeatedly contact customer service, wait on hold without receiving a response, or experience calls being disconnected simply to obtain an answer regarding a dispute that has already been reopened because the original investigation was not properly completed.
I have been a customer for more than five years and expect this matter to be handled with the appropriate level of professionalism, transparency, and accountability.
Please provide me with a written response and final resolution of this complaint. I am also requesting that all records, notes, communications, investigation materials, and documentation associated with both dispute attempts be preserved as part of the dispute record.
I am prepared to escalate this matter through the appropriate complaint and regulatory channels if I cannot obtain a reasonable explanation and resolution.
I look forward to receiving a substantive response rather than being required to continue making repeated customer-service calls.
Sincerely,
John Raymond Moro

813)898-4854


I wish I could give 0 stars and shut this company down!!! I am extremely disappointed and frustrated with CareCredit. I had made my FINAL payment of $1,600 to pay off my account, only for CareCredit to “cancel”/reverse the payment and then turn around and charge me approximately $2,500 in one-time interest/late fees. Let that sink in: I made a $1,600 final payment, believing I was paying off my account, and CareCredit reversed/cancelled that payment and subsequently hit me with a $2,500 charge. I find this absolutely unacceptable. The way CareCredit handles these promotional balances, deadlines, interest, and fees is extremely misleading to consumers. These charges can easily catch someone off guard, especially when they have made a substantial payment believing they are doing what is required to pay off their account. If there was an issue with my payment, I should have been clearly notified and given an opportunity to correct it before being hit with a $2,500 one-time interest/late charge. Instead, I was left feeling like the company benefited from cancelling my payment and then charging me thousands of dollars. I understand that credit accounts have terms and conditions, but consumers deserve clear, upfront communication, especially when the consequences can amount to thousands of dollars.
This experience has completely destroyed my trust in CareCredit. I would strongly caution anyone considering using this company to carefully document every payment, monitor their account closely, and make absolutely sure they understand when promotional balances expire and what fees can potentially be charged.
CareCredit, this is not acceptable customer service. A $1,600 final payment should not turn into a $2,500 surprise charge.
DO NOT USE THIS COMPANY

You will have better luck pulling and paying with your own teeth than you will getting a successful payment to go through. Trying to use my emergency credit card is its own God damn emergency in and of itself.

Wish I would’ve read reviews before hand would have never used them

Care Credit is good for nothing. The interest rates alone are a crime. The promotional balance is very short & not worth the hype. I will never recommend or use them again!

Do not use carecredit! Scam to make money off the elderly...As well as Aspen dental..Amount doubled before paying off entire balance...

If I could rate this company 0 stars, I would. 1 star is being WAY too generous.
So they slapped me with a $30 fee because my last payment went through a closed bank account of mine. As a result, the payment was bounced. I made this last payment through my active account, not this closed account.
I called CareCredit to dispute this. They were super nasty towards me and kept talking over me. Even after politely asking for someone higher up, their patience with me wore out and still, they kept repeating like a robot "You have to pay the fee, whether it's your fault or not."
$30 may not be much, but I just lost my job. This minimal amount is acutally a lot for me. I even asked if I would qualify for their hardship program, and CareCredit replied no. Then, they abruptly hung up on me.
Now, I am working with a debt consolidation agency that's nonprofit which will interact with CareCredit on my behalf--I don't have to deal with CareCredit directly. Managed to cut the monstrous interest rate in half.
I do not recommend CareCredit at all. They are extremely unprofessional, nasty, and have no compassion whatsoever. They are just a bunch of ruthless, cold money-hungry machines.

MINUS 10 STARS if I could.

My experience with CareCredit/Synchrony Bank has been absolutely horrible.

Trying to reach customer service is unbelievably frustrating. Their chat line doesn't work, and getting an actual person to help is nearly impossible. A company handling people's financial accounts should have a reliable and accessible way for customers to get assistance. CareCredit/Synchrony does not.

And I didn't just try once.

I attempted to resolve my issue through their available customer-service channels. I even submitted a written dispute online and mailed a written dispute to them — and received NO RESPONSE.

Think about that: I took the time to formally put my dispute in writing, both electronically and by mail, and they couldn't even be bothered to respond.

This is completely unacceptable customer service.

When a financial institution makes it nearly impossible to speak to someone, has a chat system that doesn't work, and then ignores written disputes, what exactly is a customer supposed to do?

I would strongly recommend that anyone considering CareCredit research the customer-service experience and complaints before opening an account.

I am extremely disappointed with CareCredit/Synchrony Bank and would not choose to use this company again.

Charge me a 30 dollars late fee for a payment they didn't process payment was due on 2nd of the month I paid on the 2nd then they processed it on the 3rd an charged me 30 dollars they ease it in with the balance so you don't know it unless you check your payments crooks

Wow where do I begin! I got this card because my friend has one and seems to have no problems. I needed it for medical reasons. Well I should have taken the hint when it took over a week just to apply. The website is awful and very confusing not to mention the programs they offer are total BS.
I finally got my card and used it at my dentists office not realizing the first time you use the card the merchant sets the no interest period. I charged the second time and when I received my bill there was an interest charge. I decided to call and as we’ve all read, that’s like traveling to Asia through the phone! I finally got through to rudest service agent I have ever encountered. She told me that only the charge to the merchant you first used is interest free. WHAT??

At that point I knew I didn’t do my due diligence reviewing this company. I asked her to make a payment then I said “Please close this account” and paid off the balance.

I then went to B of A, my credit card company and got 0% for 20 months, cash rewards on purchases and $200.

I am appalled that at a company at this level can be such a scam.

I would have given this zero stars if I could.

I used to only use this for vet care and such. When they switched to the rewards card, I decided to use it as my main card. No more.
I paid off my balance of over $3000 recently. I had plenty of credit left. Since then I've made multiple payments as I go. However, for some reason my "available " credit is extremely low. I thought maybe there's a delay in applying the payment. It's been a week, it was done electronically and the money had been gone from my checking account for a while.
So I finally called to find out what was going on.

First, it's pure HELL to get through their bot, HELL. Finally I get a human on the phone and I'm told that the credit available is low due to payment so large (3K??) so it won't be available until September 1st. What a joke.

Needless to say, I'll be moving my auto bills on that card elsewhere, and stop using it. I've never had a card not apply payment within a couple business days and those payments were much larger.
I had no idea how crappy they, and their customer service is. Goodbye card credit. I won't use your card anymore.