CareCredit Opiniões 

CareCredit has to look hard to find so many rude people to serve as "supervisors." I have made a life choice not to have a cell phone. I'm in my 70s, own my home, have had this landline for 15 yrs, have many credit cards and a mortgage. My information is everywhere and my credit score is currently 847. BUT -- with no cell phone, CareCredit is unable to work with me! Many "verifications" come via email, a phone call, etc. I could upload a picture of myself and my Drivers License. NOPE! Unless I can receive a text, they cannot help. I've had a male and a female "supervisor" pick up the call. Both were dripping with sarcasm, and said that I am "unable to use a SmartPhone." I corrected, "No, I don't HAVE a SmartPhone." "There's no difference." I am shocked. For a company named "CARE Credit," they are about as rude as you can get. It is unfortunate that providers do not know this when they recommend them. Worst company I've ever dealt with: most unprofessional, rudest, sarcastic, etc. And certainly not helpful.

CareCredit closed my account after 16 years as a customer, despite thay fact that I l never missed a single payment to them.

I had major abdominal surgery and was unable to work for six weeks. During that time, I couldn’t make my student loan payments, which caused my credit score to drop. I continued paying every other obligation on time—my credit cards, my other loans, and CareCredit. I have never in my life had any other late payments on anything.

After those missed student loan payments affected my credit, CareCredit immediately closed the account I had maintained responsibly for 16 years. Having that entire payment history disregarded during a temporary medical and financial hardship was incredibly disappointing.

I relied on this account for veterinary expenses. For a company that promotes access to healthcare and veterinary care, removing that support when I was already struggling felt especially unfair. Sixteen years of on-time payments should count for something.

Always made my payments ahead of time and never missed a payment this company droped my credit limit by $1400 for no reason. I will be closing this account be very cautious with synchrony bank

This company charges more than 33 %. Do not do this. They don't even have a grace period for payment. They charge 30 dollars for a late fee. Go to a credit union..like Good Neighbors and get a credit card or loan. Percent like 8 ,9 or 10...much better and you save so much money,! I will never do care credit again !

⚠️ WARNING BEFORE YOU OPEN A CREDIT CARD WITH THIS COMPANY

I had a very frustrating experience with this credit card. I started with a balance of around $900+ three to four years ago and paid it down to under $300. I thought I was making significant progress toward paying off the card.

Then I was informed that because I had not paid the balance in full within the six-month promotional period, they added the deferred interest that had accumulated from the original purchase, bringing my balance back up to over $800.

What makes this even more frustrating is that my credit limit was subsequently reduced, leaving me in a situation where I am now paying back more than my available credit limit.

My biggest issue is the lack of transparency. If a consumer is required to pay the entire balance within a specific period to avoid having months of interest added retroactively, that needs to be made extremely clear—not buried in the fine print or something the customer discovers after making hundreds of dollars in payments.

I paid this balance down from over $900 to under $300, only to have the deferred interest added back and see my balance jump dramatically.

Please read the promotional terms VERY carefully before opening this card. A “no interest” promotion is not necessarily the same as a true 0% interest offer. In a deferred-interest promotion, failing to pay the promotional balance in full by the deadline can result in interest being charged retroactively. (Consumer Financial Protection Bureau)

I would not recommend opening this type of account unless you fully understand the promotional terms, the exact payoff deadline, and what happens if you have even a small balance remaining.

This company is disgustingly predatory. I owed $200 left on a purchase and made a $75 payment last night thinking I'd only have interest on the remaining balance of $125 but I woke up this morning to a new balance of almost $900! Charging the full interest on an almost paid off balance is asinine and shameful. I will be canceling my card TODAY.

As a new customer I paid my monthly payment on time every month for 5 months. I get a letter in the mail stating they are dropping my credit limit from $1000. To $390. Because I made the minimum monthly payment brought my credit score and ruined my credit, paying them off and closing my account and will never use them again if you’re debating on whether to use their company or not do not.

Tried to do the online application. Entered all my highly sensitive information just to have the site say they were having technical issues. Called the # hoping to complete the application with a rep just to be told that I had to complete it online. Seriously? Why even have a number then? I gave up. Now that I see their rating here, glad I gave up. Sheesh.

Horrible experience today. I was on hold transferred multiple times verified the same information. I had to ask multiple times what happening as the reps would not provide any clear communication

After being with CareCredit for 20 yrs and Never Ever missing a deadline for special deferred interest payments or payments of any kind we are very unhappy with what transpired. We moved abroad and could NEVER get connected to them online or by phone in the last 6 months. We circumvented the system and finally got through. Their was an extra charge added by the provider which we knew nothing about so we missed the special promo end date and was charged 2 yrs worth of back interest. Our beef is that whether you live in the U.S. or abroad you should STILL be able to reach a company Online or by Phone without having to go around the system. Note: We have No Problem accessing ANY of our other accounts via online or by phone.

This is the worst company I've dealt with in 50 years. Their customer service is fragmented - agents can do very limited things without transferring. They will not (cannot) escalate your call to get resolution. If they can't resolve, they simply do not care. Usually I was transferred 3 times in each call. I used them thinking I'd spread out the payments on a med procedure over 6-months. Within a week of using them, I tried to setup my online account and login. I received 15 (fifteen) verifications yet I could never get logged on. I called three separate times. Still could not get on to the system. Within two-weeks I received a paper mail message telling me I had been locked out of my account (which I never got into) because of suspicious activity and fraud. Keep in mind, at this point, I'm simply wanting to ensure I "pay" my bill, not use any more money from them. Another week passes and I receive a paper statement in the mail with a by-mail paper coupon. I was so frustrated, I paid the entire $4350 to be finished immediately. Then on Monday, 9/21, I get an email stating if I don't sign up for paperless statements, I'd be billed $1.99-2.99 per month, so I called to explain I can't get into the system to approve paperless statements, and oh, BTW, I've paid my entire balance. Keep in mind, this is a Monday. The agent explained that she could see my check was received and the entire payment was paid in full, but then apologized because the bill was due Sunday the 20th, it was Monday, so I would incur a $30-50 late fee. Granted, my payment was received physically, entered into their system on Friday (business day 9/18, two days before the bill due date - it was the full balance, but "they" hadn't posted it yet, so I was being billed a late fee. This is an FTC Scam - they have probably millions of dollars the accumulate simply by their own unethical billing practices. I asked for an address to send in the fee to just be done - the agent wasn't sure how much it was going to be - I said I'll send $100 just to be done with your company... I had her close the account. I could be on my death bed and would NOT EVER use this company again

I have been a CareCredit customer for more than a decade. I have 3 beloved pets requiring Rx diets and vet care for chronic conditions. I just retired from my social worker career. Paying off debt with 0% balance transfer was necessary as my monthly balance included almost $300 in interest fees for over the last year. 5 days after my payoff the card charged me nearly $300 again on the last statement. When I called to discuss this I was transferred to an account manager who had no heart, no interest in discussing and used the words, NON NEGOTIABLE, repeatedly. All of my gratitude to CareCredit disappeared in a flash. I will not be using it when I adopt new pets. I am no longer an ambassador. Extreme capitalism and usery has ruined this nation and our corporate community.

Very bad experience. Don’t take do business with these people they’re scammers

This credit card company is not helpful at all
They are charging me after my debt was paid in full
I had question to the manager Tony and she was no help at all
Very disappointed with this credit card

Care credit rates is outrageous and they charged me almost 60.00 interest and my payment 73.00. My charge card $2,000 and this is getting ridiculous! After i pay this card off and I will be closing this account!

Was told by dentist it would be a soft pull on credit check, it wasn't. I thought it was for poor people but I was mistaken. 33% interest rate. Credit score dropped 36 points in a month, I've never heard of such a drop. Just another scam, preying on the poor who need medical help

FORMAL COMPLAINT REGARDING DISPUTE HANDLING, FAILURE TO CONTACT MERCHANT, AND LACK OF RESOLUTION
To Whom It May Concern:
I am submitting this formal complaint regarding the handling of a dispute involving approximately $3,000.
I have been a customer/client for more than five years, and I am extremely disappointed with the way this matter has been handled.
When I originally submitted the dispute, I was required to wait through the stated dispute-processing period. During that time, I was informed that the claim had been reviewed and ultimately denied. However, I subsequently learned that one of the fundamental steps your company represents it takes when processing disputes—contacting or attempting to communicate with the merchant—had not been properly completed.
Because the merchant had not been contacted, the original dispute was not properly investigated before the claim was denied.
I subsequently spoke with a manager regarding the matter. The manager acknowledged the communication failure and, understanding that the merchant had not been properly contacted during the initial dispute process, agreed to reopen the dispute.
I am now on the second dispute process, and despite fully paying the outstanding balance of approximately $3,000, I still have no resolution.
What is particularly concerning is my experience attempting to obtain an update. I have contacted representatives multiple times regarding this matter. On more than one occasion, I have been placed on hold and left without a representative returning to the call. I have also experienced representatives disconnecting/hanging up on the call without resolving the issue or providing a meaningful explanation.
This is unacceptable, particularly given that I have been a loyal customer for over five years.
I am requesting the following:
1. A complete review of both dispute investigations, including the original dispute and the reopened dispute.
2. A written explanation of what occurred during the first dispute, specifically why the merchant was not contacted before the claim was denied.
3. A written explanation of what steps have been taken during the second dispute, including whether and when the merchant was contacted.
4. The current status of the dispute and a specific timeline for final resolution.
5. If the dispute is being denied again, I am requesting a detailed written explanation of the basis for the denial, including the evidence and investigation findings relied upon in reaching that decision.
6. I am also requesting that this matter be escalated to a supervisor, manager, or appropriate dispute-resolution department rather than requiring me to repeatedly contact front-line representatives who have been unable or unwilling to resolve the issue.
I have fulfilled my financial obligation by paying the approximately $3,000 balance in full, yet the underlying dispute remains unresolved. I should not have to repeatedly contact customer service, wait on hold without receiving a response, or experience calls being disconnected simply to obtain an answer regarding a dispute that has already been reopened because the original investigation was not properly completed.
I have been a customer for more than five years and expect this matter to be handled with the appropriate level of professionalism, transparency, and accountability.
Please provide me with a written response and final resolution of this complaint. I am also requesting that all records, notes, communications, investigation materials, and documentation associated with both dispute attempts be preserved as part of the dispute record.
I am prepared to escalate this matter through the appropriate complaint and regulatory channels if I cannot obtain a reasonable explanation and resolution.
I look forward to receiving a substantive response rather than being required to continue making repeated customer-service calls.
Sincerely,
John Raymond Moro

813)898-4854


I wish I could give 0 stars and shut this company down!!! I am extremely disappointed and frustrated with CareCredit. I had made my FINAL payment of $1,600 to pay off my account, only for CareCredit to “cancel”/reverse the payment and then turn around and charge me approximately $2,500 in one-time interest/late fees. Let that sink in: I made a $1,600 final payment, believing I was paying off my account, and CareCredit reversed/cancelled that payment and subsequently hit me with a $2,500 charge. I find this absolutely unacceptable. The way CareCredit handles these promotional balances, deadlines, interest, and fees is extremely misleading to consumers. These charges can easily catch someone off guard, especially when they have made a substantial payment believing they are doing what is required to pay off their account. If there was an issue with my payment, I should have been clearly notified and given an opportunity to correct it before being hit with a $2,500 one-time interest/late charge. Instead, I was left feeling like the company benefited from cancelling my payment and then charging me thousands of dollars. I understand that credit accounts have terms and conditions, but consumers deserve clear, upfront communication, especially when the consequences can amount to thousands of dollars.
This experience has completely destroyed my trust in CareCredit. I would strongly caution anyone considering using this company to carefully document every payment, monitor their account closely, and make absolutely sure they understand when promotional balances expire and what fees can potentially be charged.
CareCredit, this is not acceptable customer service. A $1,600 final payment should not turn into a $2,500 surprise charge.
DO NOT USE THIS COMPANY

You will have better luck pulling and paying with your own teeth than you will getting a successful payment to go through. Trying to use my emergency credit card is its own God damn emergency in and of itself.

Wish I would’ve read reviews before hand would have never used them