CareCredit Reviews 

Care credit is a scam, they are funded by Syncrony. They use deferred interest and once the promotional period ends you’re hit with thousands of dollars in interest. It's designed so that you never finish paying the card off. Every time I get close to paying it down, outrageous interest charges appear. I’ve lost over $4k because of this. Avoid CareCredit and do not bank with Synchrony.

I was able to pay over 24 months for vision correction surgery with no interest. Set auto payment, and forgot about it. Balance is now zero, and I can look to use the CareCredit card for Botox and pay that over time too.

Be very careful with this company. I was in the middle of a dental procedure (4 sessions). I had a $2200 credit limit. Out of nowhere I got letter from them saying my credit limit dropped to $850 even though I had already charged over $1400 to the Dentist. The whole bill came to over $2000 leaving me scrambling to find the rest of the money. I closed my account immediately and paid them off. I have never had a credit card company do that to me. I never missed a payment. I am not the kind to argue or complain, I just will never use them again.

Worst people ever to get credit with I needed to replace my hearing aids they said I was preapproved but when I did application they denied it. They couldn’t give we a start answer

If I could give them 0 stars I would. I used them in the past and they were great. Now they are greedy and charge interest from the second you use the card and even after you pay your account off in full. I would never use this card again-in fact I cancelled my account.
I am so disappointed in their service and attitude. Pay with a credit car-get points and balance transfer if you can.
Care Credit does not care and just hurts your credit.

I recently had to dispute a charge because a vet promised a service but did not provide it. Care Credit let the PROVIDER decide if they wanted to refund me or not. Of course, the provider would not refund me (they literally took $500 and didnt offer half the shit they said they would) and Care Credit did nothing. Whats the point of offering a "dispute" if you aren't going to make the decision as a company? Who the hell gives the provider the choice?? I've never EVER met a company that acts this way. What a joke when it comes to their dispute process. I will be paying my bill off and closing this joke of a card.

CareCredit is extremely disappointing and misleading.

After my job shut down and my hours were cut, I reached out for basic help — just a temporary reduced payment. I’ve NEVER missed a payment and have always paid on time, yet they offered zero support.

Instead, they reduced my credit limit from $5,000 to $3,000 without any warning. I only found out after checking my account. This happened right after I paid off $2,000, which feels completely unfair and deceptive.

This company does not care about its customers. There is no flexibility, no understanding, and no effort to help people during real financial hardship.

If you expect support from a company during tough times, don’t expect it here.

I have had CareCredit on two other occasions a few years ago and that went well. This time I see why they are rated so terribly low. My situation resulted from a situation between Care Credit and my bank from a payment I made online. The money was in the bank, but there was a discrepancy regarding a routing number (not my mistake) between the bank and CareCredit. However, they charged me a returned check fee of $30. I called and talked to 3 individuals and we came to the conclusion it was not my fault but a miscommunication between them and my bank because the payment was later credited to my account. However, Care Credit and Synchony Bank REFUSED to remove the $30 or credit my account for the $30. In all honesty, I now understand why their reviews are so low and negative. All I can say is "buyer beware." I do not have any faith in this company that they appreciate their customers and I will not do business with or recommend Synchrony Bank or Care Credit Credit.

Customer service did not even know what CVS was and asked me to spell it several times C.V.S. I was very surprised at their lack of knowledge. Thought I'd try asking about Walgreens and received the same response, "What is that? can you spell it again."
I give up! Worse customer service ever!

You people are impossible to deal with. Contacted you multiple times trying to get my account set up. I got conflicting information. I think this is done on purpose to collect late fees. If you are thinking of using Care Credit DON'T.

My first few payments payments processed fine, no trouble. Then my bank account got hacked, so I contacted Care Credit to give them the new information. It was all downhill from there. Whether it was because the customer service representatives didn't truly speak English, or they hesitated to clarify when they did not understand me, or they were simply making repeated errors, but they could not seem to write the new account information correctly, and my payments started being rejected. I called and tried at least two more times to get my account information corrected, but to no avail. The CSRs were polite, but totally unable to get the job done. Next I mailed a check for payment. That worked, although it was several weeks before the check cleared my bank. I then decided to finish paying the balance so I would not have to deal with them, but that check was never credited. I opened a dispute, and after a number of weeks Synchrony Bank, who runs the Care Credit program, said they never received it. So today I called to give them my debit card number, and three things happened. One, In listening to information about my account, I heard a) that the check I had written to completely pay off the balance had been credited, and b) that I still owe that exact same amount. Not possible.
And two, the machine would.not.connect me to a human. We went in circles for several minutes. Finally I hung up.
I am So Done with Care Credit and Synchrony Bank! If I could leave zero stars, I would.

They are most certainly one of the worst companies I've ever dealt with. I received no resolution with customer service nor the manager that took over afterwards. I was paying $200 to $400 a month month a charge that was made in December of 2024. I was told if I didn't pay off this $1,300 by January of 2016 then I would incur penalties. Why are they trying to charge me a charge of $395, and also $85 within the same month of February saying I never paid it off. There is proof that I have paid it off. I don't even understand what is going on. How could they possibly say I haven't paid it off and charged me an additional $500. I have reported them to the better Business bureau and I hope that they go out of business soon because they are the worst company ever

I have used care credit for 8 years only using for vet bills.
I always use their convient pay by phone.
For some reason wasn't taking my payment but the I remembered I changed my phone number .
I called care credit costumer service to make payment and to change phone number.
They text me a code to my phone which i received and repeated to the man.
He then stated in order for me to change my number. They would send me a link and I would have to take a picture of myself holding in his words a state I.D.
I closed my account.

Giving Care Credit a 1 does not even suffess. They should be rated -10. I made a payment and they held my check, it is not credited to my account and I find additional charges to my account. They closed my account because my bank saw thru their scamming of customers. They are a scam.
I recently paid them off and they still are harrassing me with a payment due and an additional charge of $42.00.
Folks, whatever you do please read all the reviews on this company and after your done I hope you are not stupid enough to sign up with them. They will SCREW YOU OVER AND OVER AGAIN!!

This company utilizes representatives whose first language is not English. There is total lack of understanding of The American's with Disabilities Act. When they are informed a customer can't understand what they are saying the solution is to yell. When you ask for someone whose first language is English with no accent there is absolutely no willingness to offer assistance. This is highly discriminatory and totally without compassion. My rating would be zero stars, but there is no way to rate lower than 1 star. I had a stellar payment history! Find another way to borrow money!

Care Credit sends their bills out late. Then they charge you $30.00 for a late fee even when I called. We got the bill the day it was due. Nobody knows when you call. You also can't understand them. Nobody is a Native English speaker. Very frustrating. I am cancelling this service as soon as my bill is paid off. They don't care. I told them I would cancel. No response

Aspen dental pushed this as a decent option. Put it on a credit card ! At least you can switch to a zero apr credit card. Care credit won’t let you do a balance transfer. Shiesters are charging 32 percent DONt Use Care Credit!!!!!!!!!

DO NOT USE THIS PLACE!!! TOTAL SCAM!!!! YOU'RE BETTER OFF JUST NOT PAYING YOUR DEBT THAN GETTING A LOAN FROM THESE CLOWNS! UNLESS YOU WANT TO PAY 6X WHAT YOUR LOAN IS PLUS PAY FOR YOUR LOAN IN FULL OVER PAYMENTS LOL. WHAT A JOKE THIS PLACE IS. MY LOAN WAS 1500 TURNED INTO 8000 AFTER PAYING FOR 2 YEARS THEY STILL WANT 8000 MORE LOL FK YOU! POS! THIS SHOULD BE ILLEGAL! LET'S GO TO CLAIMS COURT CUZ THIS IS OBSURD! COWARDS! You deserve no stars

Amount of $9,500 was deposited for a patient who disputed their purchase and Care Credit took $10,000 from my account when only $9,500 was deposited. I called Care Credit, spoke to the supervisor and she was extremely rude and helped with nothing. I was charged $500 for nothing. We are a providers office as well and know how it is when dealing with refunds and disputes, but this is the worst experience i've encountered and we are just not understanding of this situation. Care Credit had us fax paperwork back and forth, just so at the end of the day they could charge me an unnecessary amount of $500. I do not wish to use Care Credit ever again, and will not recommend to anyone.

I was literally sitting in the dentist chair, waiting to numb for a root canal. A worker came in and said I needed to pay before the procedure. I said I’d pay after, with my credit card. They charge 3% to get use a card. Said I could open this account, they’d fill everything out and I could pay CareCredit with my credit card. Wrong. It has to come from your checking. I received the bill and it was due 10 days after the procedure. I had 2 days to pay it off or incur an outrageous APR of almost 33%. Then I got an email that if I didn’t sign up for paperless billing, they will charge $1.99 a month to send one out. Run away!