CareCredit Reviews 

The way I see the reviews and the way these people changed my best friend this company will end up to bankruptcy or out of the business very soon and look like nobody trust these organization I fill very fortunate I don't have any business with this organization they don't deserve even one star. I suggest all this reviewer who lost money should gather and called their local news

In Apr I had a balance of $1467.51 that was taking forever it seemed to pay off. They charged you an interest fee and a card security fee. Even though I was making double the payments, it seemed like I wasn't even making a dent. So in April, I decided to pay a $1000 towards the card. Imagine my surprise when I opened up my account in may to cede my balance as $1445.38. They put $952.28 towards interest $23.60 card security and $1.99 towardsstatements fee. Only$22.13 went towards my balance. When I called thinking it was a mistake they told me it wasn't. That if I wanted the $952.28. I had to $493.10 or they would leave it as is. Please trust me when I say these people are evil. I only was given 12 hours to make my decision. Do not fall for this.

I couldn't believe it until it happened to us.. My wife used care credit for our dogs. We owed 1,400 on 6 month no interest financing if paid in full within 6 months. We always made our payments on time and was never ever late. Our balance was 1,000 dollars so we paid it in full. Right afterwards, they closed our account for no reason at all. They did this most likely so you would be forced to re-apply and ding your credit scores. We will never use them again. Everyone should boycott these sharks....

ZERO STARS should be an option for Care-LESS Credit. Stay far away from these crooks.

They are awful. They are predatory. They charge interest on money you have already paid. Beware of the deferred interest scam. You will pay interest on what you've already ready paid. Avoid this at all costs. There are plenty of sub prime credit suppliers that can be expensive to use, but this company is way worse than any of them.

The worst company ever. I didn't know I could change my payment date, so I was a day or two late on a couple of my payments so they closed my account. Once your account is closed you can't open a new one ever again. If I could choose no stars I would. I was on the phone for hours and the kept sending me to different people. They couldn't even tell me that I will not ever be accepted.I had to figure it out for myself. The letters just told me I was already excepted so I can't re-apply.

MASSIVE RIPOFF COMPANY as of Recently.

I've been with CareCredit since 2017, and NEVER had a concern over improper billing until now. All my promotional purchases offset interest being charged on my account. I've also made incidental minor purchases over the years that did not fall under a promotional purchase amount requirement and was once again never charged interest on the account.

Within the past six months the rules have all changed, without notice and the customer service representative fasley states its always been this way. As long as I'm under promotional purchases, it was not.

I pay more in interest than I do on the principal balance.

Steer clear of this company. What once was a good idea and their intentions were good, they are no longer that company.

I was in an emergency with my cat and pressured in the vet office with his eye ball hanging out I got approved with the little scanner QR CODE or no help for me. Car got saved - I collected some funds being I’m a single disabled mom no way I could afford any of this I took the money and made two payments before I even got my card one for 200 and one for 50 . I got my card in the mail and the bill with a payment due of 80 well guess what apparently you can’t pay ahead or more than minimum so now al that I collected goes toward balance and I still have a bill that I can’t afford because I thought I was paying it. I just got the card and am apparently in my second payment cycle .Great way to mess up your credit really fast , my score dumped 30 points . I would never recommend this card . Not idea for anyone on a budget especially @32 percent Interest . Customer service also sucked .

They are not honoring the rewards as they used to. Customer service awful, Erica Customer representative the worst.

Customer service is horrible Samantha the manager was extremely rude and kept cutting me off while I was talking love the card but customer service is awful

Their policies are outdated and clearly geared toward maximizing profits rather than supporting their customers. For example, if a customer makes a credit card payment through their automatic payment system after 5 PM on the due date, they’re still charged a late fee—even though the payment was made in good faith. It feels more like a trap than a service. All my payments were made on time and they kept reducing my credit limit affecting my credit score. This is the only credit card company that has done that to me.

The website is awful and keeps timing out. I lose all the progress of my application and now I don't "pre-qualify" anymore. Don't waste you time unless you enjoy being frustrated.

Horrible company that continuously lowers credit limit despite on time payments.

Do not use Care Credit if you care about your credit score.

Worse card ever unprofessional, no common sense, will steal your money stay away from this card. It should be banned.

Made above the minimum payment and paid off the entire balance before the end date. They, however, kept reducing my credit line which in turn lowered my credit score- that they then faulted me for. When I contacted them they were rude and not helpful at all. I cannot recommend this company!

This is the most unprofessional card company I have ever dealt with. They messed up my payment three separate times before it was halfway fixed. Then, I noticed that my funds were not in the bank because they put a hold on my payment. They held my payment for a month but took it out of my bank account. They said a payment larger than 500 would be held for 1-2 months. So, they will take your money but just won't let you use it until they feel like releasing it. Not only that, they hang up on you when they don't know the answer to your questions. It is so unbelievable to think that a card company can be so incompetent. I mean, it's top-notch incompetence. Like, I had to explain to them how interest works and why I was paying the non-promotional balance, and then they still managed to pay off the promotional balance, not what I asked. It's astonishing they are still in business. Then, I told the representative to hang up so I could complete the survey, and the woman, "Jen," put me on hold for 5 minutes, thinking I would hang up. My family and I waited until we heard her get back on the line and hang up the phone so I could not complete the survey. So here is my review.

They refuse to take off wrong information they have caused and are causing my credit rating to drop.
I'm making payments ahead of time and they say I'm delinquent on my payments after a settlement was agreed upon.
They need to be investigated!

Had a good credit line, paid off a chunk, they lowered my credit limit, hurting my credit score. Then continued to make payments responsibly, finally paid it off, then they CLOSED my account. Hurting my credit again for being responsible and paying off my debt correctly. Absolutely worse credit card company ever. They ruined my credit for being responsible and paying off debt. Absolutely DO NOT USE!

The absolutely worst credit system. You should ever get they lie. It's what they say, whether you like it or not. Never used this. They scam you, they rip you up.

I have a promotional balance ending on April 4, 2025. I have called numerous times since the last of February as I was told to call and make the payments and have them applied to only the promotional ending balance. Every time I call the payment made prior is never being applied to the promotional ending balance. If I fail to pay this off by April 4, 2025, I will be charged in over $600.00 in interest. I have the money to pay the full amount, but I don't understand why it is a different amount to pay every time I call. I can never understand what the rep in saying. I live in North Carolina, and we speak English here, so it is very difficult to understand someone that speaks another language. I received $100 in Care Credit Rewards, and I attempted numerous times to get that applied towards the promotional ending balance and I was unable to get that as well. I was told to call the reward center and of course they put me off and sent me right back to care credit. I think they are trying to charge with the interest. I have been a member for years and when I pay this off, I will cancel my account.