CareCredit Omdömen 

Do not use this company. They just closed the account without notice. Didn't owe them, didn't do anything wrong. I hope they go out of business very soon.

I opened an account with care credit to get new dentures for $4000 over 18 months. I paid every month over $250 so I word have it paid in 18 months. Zero balance on account.
Now I am done OR so I thought. All this happened in the last 3 weeks. Now I get an alert from one of the 3 main Credit Reporting. My alert said
I have a negative account with card credit. I did everything right. Paid on time and have a zero money I owe on
that account.
I call in today and after 5 calls finally get to speak to a customer service
person. My question is Why was I reported to the 3 main credit score
places? She says I don't know!!
So now Care Credit is suppose to file a dispute. My credit score went down 30 points.
I will have to check at the end of the month to see if it is taken off. I DO
NOT trust this company.
Beware when using this company as to what just happened to me.
I see others are having lots of problems too. I guess I will also try filing with Consumer Protection Service. This is not right and the company needs to be checked out.

Absolutely useless, and now because of them, I have no coverage for my dogs surgery. I was fully approved after providing my ssn and income for the loan I needed. It just needed my driver's license pics. I used the app, but it didn't recognize the back of my dl. I tried multiple times; eventually it timed out and said the link has expired. Then when I went back to the link, it was still expired. I tried going through the process again and this time it said I was denied for the exact same loan I was just approved for (literally signing the contract for). I called and it took 20 calls to talk to someone. I kept getting rerouted by the robo operator. When I was finally rerouted, I was told I was denied. When I told them I wasn't, they said their system said I was. I looked it up, if the app closes out because it sucks and can't take a good Pic, it AUTOMATICALLY denies you and any future attempt; all because the app failed. I called back to explain, but was provided no support. Absolutely awful, I wish I could give no stars. Gonna have to find an alternative so my dog doesn't die now all because they're too inept to deal with a broken app issue.

This company acts like a savior company to just turn around and change your payment plan if you have to use it more than once. Then they charge you 30+ percent interest. They have a misguided moral compass.

The ads are for "promotional time" to pay at no interest.
We had a couple bills under $1000 and were given up to 18 mos. to pay them. Fine, although they increase your Minimum payment without notice..*SNAP*-DEAL'S OFF if you don't catch that. Highest Interest rate going. No savings/favors there. Then we had an almost $5K Vet bill. OUCH. Put it on this card...after never late, always over minimum payments from us - they gave us 6 MONTHS to pay it off or the hatchet comes down. Tried to edit a canceled ph# from within my own account on the website-you have to send a video of yourself to do that! Silly. Will pay balances and NEVER come back here. It's a snare..

Just awful. Hidden fees, high interest rates, awful customer service

Care credit tells you that you are prequalified, then tells you that you are not. I have excellent credit was requesting only what matches my monthly income and I was declined. Wondering who does actually qualify??? Not the folks who need it.

I paid off a mental health hospital bill with my care credit account online at the hospital’s website. When the option didn’t come up to offer me 3-12 months at 0% interest to pay off the bill with care credit, I texted care credit . I asked the representative why it is not showing the bill I paid under a promotional 0% interest and why it didn’t give me the option of how many months I want to pay it off, I was told it would show when the transaction was completed. At that moment it was still in a pending status. I could have requested to have the transaction cancelled if I hadn’t been lied to.
So the next day I checked on the charge and it showed the transaction completed but still not listed under a 0% promotion. So I used my previous ticket number and reached back out to care credit. This time I was told that the service provider has to offer the promotion to me at the time of service. I explained AGAIN that I paid this bill online the previous day and was told the promotion would be applied once the transaction completed. This new representive assured me this was not the case and the service provider is not listed as a medical provider anyway. What? I asked for a supervisor.
The supervisor told me that he cannot stop/reverse the transaction now that it is complete and I’m not allowed to pay it off with another lower interest bearing credit card, BUT he said I could pay it off with a balance transfer. Ok. A hassle but not insurmountable.
My husband opened a credit card with our bank that has a 0% balance transfer for 12 months just so we could move the balance from the care credit account to this new credit card but I was wary. I have another $3k ambulance bill I wanted to put on the care credit card before doing a balance transfer and paying the care credit off, but I was worried. What if care credit or my bank pull some other hijinks. So I called and confirmed my bank doesn’t have any issues with doing a balance transfer with care credit but I may want to check with care credit to make sure they don’t reject the payment. Again what?
So this time I call. I call in person so there is no misunderstanding or miscommunication. The rep I spoke said they accept balance transfer and gave me the address to mail the check. I was just about ready to hang up when I confirmed that all I would have to do is give the address she gave me to the credit card company and tell them I want to do a balance transfer with my care credit account and they won’t need anything else? This is when she said that they do not accept payments from credit cards. If I want to send a check to that address then I can. Ok. Final time. What???? I informed the rep that balance transfers are when you pay off one account with another, usually another credit card, because the transaction she was describing is called PAYING OFF THE BALANCE!!! EVERY CREDIT CARD WILL LET YOU DO THAT!!!!
So it appears as though not only am I F’ed by the hospital and ambulance company but I’m being F’ed by care credit.
In the 15 pages of small legalese they send you when you first sign up for a care credit it probably tells you all this, but I read it and checked with my lawyer as much as the rest of the saps with a care credit card. Beware!

I used CareCredit to finance $5,000 in hearing aids and was told my monthly payment would be $179 until the balance was paid off. I set up automatic payments specifically so I wouldn’t have to monitor the account every month.

On 7/1/2026, I was suddenly charged $2,635.64 in interest, with no warning. When I called, I was told my “promotion” had ended — a promotion I was never informed about, never agreed to, and never received any notice for as it approached the end. They offered a 30‑day grace period, which I only learned about because I happened to catch the charge by chance.

I paid off the balance immediately, and they agreed to waive the fee. But on the next statement, they added another $65 interest charge, even though my account showed a credit balance. I had to call again (after another hour‑long wait) to get that removed. Then I was told I had to call back again a week later to request a refund of my credit balance, and then wait 7–10 days for a check.

Every step required long hold times, multiple calls, and no accountability for their lack of communication. If I hadn’t caught the charges myself, I would have been stuck paying thousands in surprise interest.

They have processed my payments incorrectly multiple times. This has left me so upset because I make my payments on time every month and yet they have hidden my so called expired promotional purchases with balances due, which never had their payment allocated correctly for my statement so that I keep getting charged interest and when I called, they keep telling me that I’m unable to file a dispute because they can’t track down how my payments were allocated incorrectly. This is such a predatory company. Please do not trust CareCredit.

I received a card with care credit with a limit of $7000. I used the card twice. Once for the entire $7000 and paid it down to under $3000. Then I used it again for $3000. Then I noticed my limit go down. It has happened 4 times. Everytime I get the balance down and the available credit goes up they lower it. This hurts your credit score. Utilization ratio goes up!!!!! They do not send out a notice or a reason why. Customer service only says we review your account regularly and make adjustments as needed. I’ve had their card for over two years and never missed a payment. I can’t wait to pay this off. I may as well close the account and deal with the drop in my score. Then rebound. No sense in letting them continue to hurt my score.

This company spams my email constantly with no ability to block or delete. I have no idea how well they work, but have no interest in their spam, nor would I ever use them because of the negative feelings I now have towards them.

Just a terrible financial institution. Did help out during an unexpected emergency. I pay 1k a month have set up auto pay that never works so they hit you with the late fee. Manger just hung up on me when I called and gave my name and the reason I was calling. No call back so it was intentional. Spoke with Hugo today (the manager at 6:45pm he asked why I was calling I told him he hung up right away TERRIBLE COMPANY THIS IS FOLKS THERE ARE OTHER WAYS DURING AN EMERGENCY!!!!

Care credit has a awful customer service period. You will wait over half an hour for each call only to find out.You'll have to call about two or three times to get through.Because you will run into someone that doesn't know what they're doing.They hang up on you. You will experience that.They don't listen to your needs, but rather what they think.Your needs are. They they will have the customer service manager with no experience. When you finally get to someone that can talk to you. According to my experience, it was someone from synchrony bank called Marianna. What's an awful manager. She was combative, right out the gate, and she just was talking to me like I was a child. When I stated to her what my concerns were in customer service and how they even had me waiting for over 2 hours. She was more worried about how else can she help me? As opposed to helping me put in a complaint. She kept talking over me and she did not care by dismissing my concerns on my account with my name and was just giving me whatever she could to lure me away from my main objective, which was to concern on my account. I now have read a lot of customer service reviews and realize that I've dodged the bullet by them. Not being the ones that I use to care for my pet. Their customer service is absolutely awful, and they will do everything they can to detour. You from your main concern about your account and dismiss your needs. Based on my experience, I am sharing this with you so others don't go through weather.Myself and my family went through.

carecredit providers are not loyal with their customers and charging the balance which doesn’t belong to me and it was fraudulently charged from Earth spa with a conversation that I can cancel this service any time and I did cancel within one month. I did not get a single Facial from them out of 12 but they charge me 2200 and CareCredit is helping them and charging me. These are fraudulent charges against I will fight and I will not pay a penny to them be aware of care credit.

If you make a duplicate payment, they WILL NOT refund the payment instantly to you no matter what. They tell you that you have to speak to a manager but the manager will not do it either. All they will do is mail a CHECK to your address and it takes 2-3 WEEKS. This is very very poor service and it is a lie that they cannot reverse the payment. They take our payments instantly and electronically so that means they can easily reverse the payment instantly and electronically. Also, they need something in place to prevent a duplicate payment in the first place, otherwise they need to return the second payment immediately. They refused so I want to let people know of their shifty policy.

Calling it CareCredit is misleading—ScareCredit would be a more accurate name. My experience was extremely disappointing. The payment terms ended up costing me far more than I expected, and I felt the way everything was presented wasn't as clear as it should have been. I regret opening this account and will never use it again. Read every detail before signing up, because you could end up paying much more than you anticipate. I would not recommend it to anyone.

I was charged twice on the same day for vet services. I called to have it resolved. They assured me that it would be taken care of.
9 months later and its still on my account. Called again and was assured that they would take care of it.
2 weeks later and its still on my account.

I am very unhappy with Care Credit. I've had 3 issues over the last 3 billing cycles, and get a different story each time. Now they say they can't refund the interest they charged me because it was one statement period ago. If you make me charges and have a deferred interest balance, you MUST CALL THEM to tell them to apply your payment to the new balance with the rest to the deferred interest. If you don't, they will apply it to the deferred balance and hit you with 32.99% interest on your new purchases. And then give you the run around and not reimburse you for the interest. I would NOT recommend using them

Carecredit...you have to watch them.
I was almost finished making payments on this account. I was making my monthly payments on time mind you, they said that I had a promotion that I wasn't even aware of that expired on June 23, 2026 and that because I still had a balance they charged me interest of $1,233.00 to my account which raised my balance back up to $3300+ which is ridiculous was almost finished paying and they said there's nothing that can do. They said if I make a payment in full of $1,400+ the fees would be waived if paid in 30 days, if I had that much money I would have already paid it. They said there was nothing they can do to help me. I haven't used the account in over a year + because I was trying to pay it off. So, I just wanted to let you know to be aware if you are using this Carecredit company please just pay attention to everything because that is not right. I'll definitely find another way to get the services that I need but not with this company anymore.