CareCredit Recenzje 

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.

In a time of desperation, people sign up for this without fully understanding what they are getting into. Make sure you pay every penny, literally every penny, before the expiration period, or the entire interest rate hits, even if the rest of it is paid off. 33% interest. I won't use it again. Unfortunately, it will likely mean I cannot provide more then routine medical care for my pet in the future. Terrible company to take advantage of people like this.

This company prays on people who don't have money for dental or health care. If you do not pay within your promotional period, what they don't tell you is they will charge you the interest at 33% for the entire purchase. Not your remaining balance. I had $300 left on my bill and I just checked and I had $973 added in interest. I call and they wont remove it. I was two months away from paying off my entire balance and I've been making $175 payments. I want to throw up.

They did me a solid once on some interest reversals, that's why not 1 star. But I see why they are horrible. I received the "incompetent and / or mean customer service ""help""" today. Don't use this company, after paying for years and finally paying off a balance and their ridiculous interest charges they lowered my available credit because I took out a $10,000 loan somewhere else.

Care Credit, their customer service & interest rates are horrible. I had a bad experience with them when I paid off my account in full. 2 days later the balance showed it wasn’t paid. I submitted payment again which was $9,987. Synchrony (care credit) deducted this amount twice from my account and wouldn't refund me. I had to get my bank involved who retrieved the amount. Care Credit charged me a $34 fee (for paying me back the $9,987 they took from me); a fee I never knew about because the notice they alleged they sent to me was not received. I thought I was paid in full. They reported to the credit bureau a 30 days late pmt, which reduced my score from 800 to 720. They were unwilling to help clear this up.

A Supervisor kept talking down to me as an Example, telling me she wasn’t asking open ended questions when I gave more than a yes or no answer. Yes, that did upset me and yes, I did ask her if I was being interrogated or being questioned.

The experience with them was beyond bad!

If I could have rated them a zero, I would have.

I applied to see what credit limit they'd give me. Since doing so I have been receiving nonstop calls, emails and letters. To the point of harassment. Not only from them but for companies they sold my information to. I was considering going through with them but if this is how they act before I even sign the dotted line, I can imagine how they'd be once I owe them money.

I cannot stand Care Credit/Synchrony Bank! I had a dispute with a ripoff dentist and Care Credit continually sides with the dentist/doctor. They will make you pay no matter what the circumstances are.
So then I start paying on my balance for about 7 months and notice the balance is off about 200.00
I call to find out why? They tell me it’s not at the zero interest rate anymore. Which I find hard to believe because it has not even been 1 year since I saw the dentist. I know I had 0% interest on my contract until I paid it off. It said so, on my statement.
I’m going to pay this balance off and be done with these people. Also going to cancel my Amazon card as well because they are Synchrony Bank also.
Everything going forward, if I need to, will be put on my Venture Capital One card. If you have a legitimate dispute, they will believe you!

I first thought care credit was a prayer answered for my Furbabies and that I would always have an ace in the hole for unforseen medical expenses for my children well I was so wrong. My first experience with care credit I thought was going great, I had a limit of 1,200.00 and had to max it out for a blood transfusion for one of my beloved Furbabies. I paid off the balance in full and was thinking I'm good now I have a fresh start now if I have another emergency. Was I wrong. I went to use my card and my account had been closed! I couldn't believe it, here I am at the vet and my card is no longer active and I have to pay out of pocket, boy was I pissed! I called them and they said the account was closed for non activity. NON ACTIVITY are you kidding me? I nor my cats are sick every day and I'm certainly not going to charge something on it unless it's necessary just to please you with extra money. I honestly thought it was for animals and thats exactly what it was going to be used for. Well for years they wouldn't give my card back to me even though I was in good standing. That should have told me I shouldn't appy again but I did and boy am I regretting it. They are so greedy. I have been paying on this card for going on 3 years now with no late fees and no minimum payment increases and all of a sudden they are saying I didnt pay the minimum amount in full and gave me a late fee to boot! I have always been on time with payments and send more than the minimum due. They informed me today that my minimum amount is now higher than it ever has been in the 3 years I have been paying on it. So dont ever go by what their mobile app says the minimum payment is cause it could be wrong as it was for me and get you in hot water with these ASSHOLES and I was informed that their app has no glitches, I told her that's a ball faced lie or I wouldnt be dealing with you. I'm trying to get this card paid off as soon as possible and I will never have their services in my possession ever again and I recommend you dont either. Sincerely Kasiba

(Now owned by Synchrony Bank)
One of the most morally corrupt and incompetent companies I have ever encountered for the reasons listed below:
First, they opened a 2nd card (completely different account number, a MC) without my approval.
Second, they shuffled around charges between cards in order to create confusion and false dept which I never incurred.
Third, when I refused to pay a debt which I don't owe, they reported it to TransUnion which affected my otherwise perfect (above 800) FICO score.
Fourth, today, their online rep (Judy Herron) refused to tell me where the $500 was spent (BECAUSE I DO NOT USE THE CARD ANYMORE AND HAVE HAD NO BALANCE IN MANY MONTHS). She refused to help, remove the charge or look up the fraud report I filed months ago with them on THEIR FORM. They have listed charges on the fraud paperwork that were paid off years ago AND at least 1 charge at an establishment which closed long before the alleged charge was incurred (Queens Animal Health).
This nonsense has been going on for years and I have reported them to the Attorney General in NY and in PA where the payments are sent but we all know they have no teeth and also should probably not exist wasting our tax $$$. Of course, my complaint is at least "on the record." More consumers need to write your reps and keep up the pressure and please vote them out if they do not help. There is also a "CareCredit Sucks" FB page. Good luck ya'll.

I just tried to set up a payment plan online. They would not speak with my husband who handles all the bills and when they asked to speak with me...They want a copy of my drivers license and a "selfie" of me! I screamed at the woman and told her that if I sent a selfie, my middle finger would be the picture. With all the Identity theft that is going on this is a stupide request not to mention I already have credit with them. I was also told zero interest for the first year and found out that I am paying 39.99 percent. No one needs credit this bad.

CareCredit is one of the most misleading financing companies I've ever dealt with. The way they handle their deferred interest promotions feels intentionally designed to trap customers.

After repeatedly calling me to collect on my balance, they offered what they described as a special "promo" where if I paid off the remaining principal balance in full, they would waive the accumulated interest charges. Wanting to resolve the account, I immediately made the payment as instructed.

After the payment was made, CareCredit conveniently changed their story. They claimed the payment took 14 days to process and that by the time it was applied to the account, the promotional offer had expired. As a result, they refused to remove the interest charges they had previously indicated would be waived.

The entire experience felt deceptive. The interest fees are buried in the fine print, the promotional offers seem designed to get customers to make large payments, and then technicalities are used to avoid honoring what was promised. Customer service was unhelpful and offered nothing but excuses.

I would strongly advise anyone considering CareCredit to read every detail of the agreement and get everything in writing. What sounds like a helpful financing option can quickly turn into a frustrating and expensive experience.