CareCredit Reviews 

Care Credit is trash. They are a predatory company that needs to be shut down.

Needs to be out of business there is no help that they offer that do the prequalify stuff and deny simply because they don't give a damn about your health just as this jacked up ass country doesn't. I've only known people of non-color to ever have used it. My credit is not F'd up at all they predetermine before even seeing income or any of that they need to just go out of business they don't help the people that need it they are useless and mind you I tried the 20 years ago and the same crap 0 stars

So I have had a care credit account for a while now. Making my payment on time and even paying extra. I tried to make my payment last month but I couldn't get into the app to pay. They made changes to the app. I called the customer help line and they told me they cut my access to the app for none payment. I told them that's a mistake. I said I owed $0 because I had been paying ahead. They told me that they wouldn't give me access to my app account until I made a payment. I did just so I could get my statements and prove it was a error. They still won't give access to my account. I checked with my bank there are no returned payments. I can't see my bill or get access to my statement. My statements are online to save paper.

If I could give zero star I would. Customer service is unprofessional, call center somewhere in the 3rd world. They have zero solutions to any of the issues with this card. Cancelled card because of the non sense

**THEY R SCAMMING ME, WITHOUT EVER ALERTING ME, OR WARNING ME OF A HIGH INTEREST RATE, ON A FAKE DEADLINE! I AM NOW FIGHTING THEM 2 STOP, A VERY HIGH ADDED INTERST RATE, TAGGED ON! EVENTULLY, I WILL HAV 2 CUT OFF (CARECREDIT) PAYMENTS, AT MY BANK, 2 NOT PAY THE CROOKED HIGH INTERST RATE** P.S. IS TER A CLASS ACTION LAWSUIT, AGAINST THEM?

Getting raped by them is an understatement they will vigorously assault you to the point that rape would’ve been preferred. A one year loan will turn into a 4 year loan that does not get paid down unless you fully pay it off all at once. They will destroy it’s like multiple people taking their turn with you unless you’re bleeding out on the ground from every member of this company raping you so hard. You will he dead by the time it gets paid off. And honestly this loan will most likely go to your kids because it doesn’t get paid off. I’m not joking unless you pay the whole thing off at once you will continue getting raped by this company. Do not use them for any reason stay away

I completely paid off and closed my account the same time. Carecredit then came back and charged me interest after I closed my account. When I paid the interest off I requested a statement for a zero balance and closed account to be emailed and they are giving me a run around on that! Will NOT recommend them to anyone!!

I opened a 6 month no interest promotion on 10/08/2025 for $12,000. I set up automatic payments from my checking account. The first payment did not go through so a late fee was charged. I called and the automated system asked if I was calling about a late fee. I said yes and it said the late fee would be reversed. Then I spoke to a representative and asked why the payment did not go through (there were sufficient funds). He did not know why but said there may have been a transposition on the account number. I checked the number but it only showed as .....0186. The representative did not know what I had actually entered. I made the payment over the phone and very carefully entered the account number again. I was assured that the late fee would be reversed. Later I checked the account and found that the late fee had not been reversed so I called again. The representative transferred me to a supervisor and she said only one late fee could be waived. I said it was the very first payment and there was only one late fee. Then she checked and said the system had waived the fee so that's why she couldn't waive it. I said it didn't show on the account and was told it would take a couple days to post. A few days later, it didn't post so I called again. This time the representative told me it wouldn't show on my account until the next statement was issued. The December statement is now out and there is no credit for the late fee. Is everybody lying to me? Is their system messed up? Did the supervisor get mad and re-add the fee after I argued there had only been one late fee? Are they all incompetent? I called again on 01/08/26. The representative again insisted that the “system” waived the late fee and it shows on my December statement. It does not. I said I wanted to open a dispute and was told I would get an answer in 7 to 14 days. That didn’t happen. It has now been over 3 months since I first called with no resolution in sight.

Worst credit you can apply for!! They basically rob your ass if you don’t pay off the first year!! Don’t apply unless you want to get taken advantage of and go broke cause of them

I have 3 accounts with Synchrony. All have zero balances and they arbitrarily closed one of the accounts without notification. They said it was due to high balances and credit score. They are all at a zero balance and my credit score is well above 700. Will not ever do business with them again.

It is very hard to find their phone number for one. Long wait times. Then when you get ahold of someone they are not very helpful. I pd off my credit card back in October and in January I found out I had Interest charges of $8.06. I called in and wanted to pay off the interest charges and close the credit card. They said they could do that but could not guarantee there would not be any more Interest charges and to check my statement next month. I said I am not going to keep paying these small amounts because you can't tell me what the final amount is to pay it off. So i get transferred to her "supervisor" . He says the same thing. Tells me they accrue interest by the day. I said well what is the total amount then from the statement date to today for the interest and I will pay that amount and close my card. Said he couldn't do that. Didn't know the amount for sure. But I could send a check of about $11.00 and probably have a credit, I said I don't want a credit. wouldn't let me pay that over the phone $11.00. We argued. I said then pay the $8.06 set it up on Auto pay and let it pay the next interest amount of $4.00 or whatever it is and then close the account. We can't do that ma'am you have to call in and close the account again i said FINE just pay the $8.06 and set it up on auto pay and I will call back in next month. So then he sets it up and proceeds then next withdrawal isn't till next month. I said NO you need to take the $8.06 today because you have already affected my credit score and then you can take the interest on the withdrawal date. It me about 5 times explaining this before he would do it. BAD CUSTOMER SERVICE and they DEFINETLY TRY TO GET EVERY PENNY OUT OF YOU. DEFINETLY NOT HERE TO HELP that's for sure.

Was forced to file for this card, my dog was hit while on leash right by my side. Took to ER vet, paid 8000.00. Neurologist wanted 10,0000 before looking at our baby. Found out our bank Customer Service closes 2pm, was Sunday. We wanted them to perform the mri while we went home to get cash. Handed cash to NeuroVet, we cancelled the card come to find out that vet charged that card. We’ve made multiple attempts to pay it off, get confirmation payment goes through, receive 2 emails confirmations, then they put charge back on. Since we closed/canceled the card, Care card never should have allowed to vet to post a charge a day later. Totally SCAM. Was on the phone with a supervisor who barely spoke English, still said wrong acct #, etc but I had my bank on the line with them and said it’s the correct account/routing and debit numbers. We tried both with these idiots. Please be careful using this company.

CareCredit is awful! The only benefit is that they do offer 12 months no interest if paid in full. If you don't pay it off in that amount of time be prepared for them to rape your wallet. They will constantly change how much money you can borrow on a monthly bases. I started at $7000 and now I'm all the way down to $1000 based off my credit report. This will change without you knowing. The interest is through the roof! I am know in the negative due to the interest they are charging me. I stopped offering carecredit to my patient because of my personal experience. DO NOT DO IT!

Beware when using Care Credit! If you have promotional balances, they will use your monthly payment to pay down the lowest balances FIRST before applying the payment to the balances expiring soonest. So, if you have a $2000 promotional balance expiring in 6 months, and a $600 promotional balance expiring in 12 months, they will use your monthly payments to pay down the lower balance first. Makes no sense! WHY would you want your balances expiring at later dates paid off first!! You can't change this either! You have to call them every single time you make a payment and TELL THEM how you want the payment applied! This is crazy! I will be paying off my balances and never using this card again!

I wish I would have come to this site before I had applied for this credit card to assist my daughter in paying for her wisdom teeth when she was unable to provide dental insurance. I had a payment date set up for processing and this credit card that I used for processing payments I kept enough funds to regulate my budget for payments that were being processed for credit cards and they would never pull the payment on time on the selected date and which I do not understand why you would have a selected date for the payment to be processed and not process the payment and then you want us cancel our cards saying we cannot utilize them because payments are inconsistent when in fact they are the onestaking payments inconsistently. This is the worst credit card and now I've tried to reconcile to pay this off and again they will not process the payment on the date that you select for the payment to be pulled on and now it's being sent over to a credit collection. Which I will never suggest anyone use Care credit and it's an all of the doctor hospitals veterinary clinics this is a scam it is an organized and inconsistent as stated in other reviews I have seen.

I would give a zero if I could. The worst. I applied online and was approved. When I went to the eye doctor, neither the eye doctor nor I could get the supposed virtual card to open up and provide the full number. Called customer service and another joke. Customer service said, sorry we updated our system and you now have to have the full card number and that you have to wait 7 to -0 business days for your physical card to arrive in the mail. That does me no good today, I have to pay today. I told the customer service forget it, just cancel the application today and remove the inquiry on my credit report. The customer service agent was not sure she could do that and had to get another representative on the phone who said they could only cancel it. So, contacted the BBB, this is false advertising, says if your instantly approved then you can use the credit instantly, what a lie. Update your website

Put it this way. They said I made a late payment 2 days late back in 2023 while I was in the hospital for over a year with a stage 4 pressure sore. They were charging me interest fees since then. I told them I was in the hospital and recovering and was late. This is the only company that doesn't give you a grace period. Every other company as well as my mortgage, electric, water, and other household stuff as 2 other major credit cards I have a grace period. And since I am a Quadriplegic disabled Veteran in a wheelchair with now stage 4 pressure sore, and on a fixed income, I went from a $2000 dental bill in 2023 to over $5411 now. And they now blocked me out of my account where I have to call it in to make a payment. Which today on January 3rd 2026 was on hold for over 2 hrs with 3 different agents from India. Which I think is a scam. Whatever happened to customer service in America. All these Live agents are rude hang up on you or transfer you to someone else since they don't want to take the time to help you. They will never help you to fix the problem for that 2 days I was late for. And told me I should of paid it on time (even though I was in the hospital and can prove it as well). Please stay away from this company!!!! They are very much a scam company. I just don't understand why this company still exist after many complaints to the BBB has been reported by many victims that have been scammed by this horrible deceitful company!!!! Please be advise and STAY AWAY!!!! And if Vet Hospitals, dental hospitals or other companies tell you they use them cause you can't come up with the funds, just tell them HELL NO I don't want to be scammed

This company is inconsistent, unorganized and sounds like a SCAM!!!! I’ll pay a bill real early and call to make sure I’m good and on time, I’ll check two weeks later and see extra charges on my card, I’ll call them up , and speak to a so called manager, and they tell me, I was charged for insufficient funds, MAKES NO SENSE!!!! Pay as quickly as you CAN, It’s sorry to say how companies like this one takes advantage of who ever gets involved, STAY FAR AWAY FROM CREDIT CARE!!!!!!!!!!

Care Credit charged me $2900 on a $1100 balance, saying it was interest owed that had been deferred. They said they had sent me notices. They had not. They said it was on my statement; In VERY FINE Print, that I had to search for twice. I understood the interest wasn't deferred but removed. I had been paying off this account. Now I will be taking out a personal loan to pay off and close this account. DO NOT DO BUSINESS WITH CARE CREDIT. THEY ARE VULTURES.

Whatever you do, stay away from this company, they still doing the same thing as they did in the past deceptive on the deferred payments.And then your interest and all those things.Stay away from this company.Do not apply for them.Do not use this company at all.They are bad and poor business for the public