CareCredit review: get rid off! 49

Closed my account for no reason. It had a 0 balance too. I will never ever apply for a card belonging to Synchrony Bank. They should be fined and sued for their lies and Predatory Lending. I hope they fail.

After the credit reports of people who didn't pay we submitted to dentists it has caused retaliation to patients seeking dental care in the future.

I have records of paying off my promotional purchases on time yet I was still charged interest because I didn't contact them to specifically tell them to apply the payment to the promotion even though they were lump sum payments for the amount of the promotional balances.

I paid off balance three years ago and am still getting mail I owe 311.76.

I got charged a late fee. I paid the amount on time and have the confirmation number. I want an explanation and it credited back to my account.

Unable to access online account using current ID and password

My Name Is Jerry Norris,I applied 9.19.22,For A Care Credit Card,was approved,but has not received it!I Would Like To Know Where The Problem Is!Thank You For Your Time

This is a horrible way to conduct business. They scam you. They make it seem like their deferred plan is the greatest thing since slice bread. Only to find out you WILL be charged interest on those deferred payments. Paying more monthly wont help either. Its lost money! No breaks! Never again! I dont recommend this to place to my worst enemy.

Good Afternoon,

I have an issues with your practices. If your website tells someone they are approved for a certain amount, then after they go through everything to verify themselves just to have someone tell them to aren't approved is [censored]. The application clearly shows that they make enough for it. Fix your [censored]

Interest rates increase each month long with credit fee?

This company added 1300 of interest to my account all at one on July 20. This is greed, inhumane, and robbery. Why would any company do this to their customers that have never been late with paying. The lady I spoke with, did not care one bit, that I was highly upset about this. I'm hurt and very disappointed

This has to be the worst place to get help from. If you did not pay the full loan within there time limit. Your balance will double or even triple the total amount. I used Care Credit to have a tooth pulled and now I owe over $3800 for one tooth. If I would have known now how the scam company worked I would have never used them.. STAY AWAY

Count me in... 11-05-2019 I have talked to the customer service and get nowhere. Horrible company. My $1200 tooth removal is now $3850 after all the fee's

I would like more information on a Class Action Lawsuit against Care Credit. They are not posting the payment properly and adding money on the account. The Company is a Scam. My husband and I are really fed up with this. Something has to be done.

This company is a rip-off they say that they sent a letter out one-time stating that my interest rate for the year was going to double over my payment that was due this company is a scam I don't recommend it read your fine print very carefully I owe $300 my address was $245 at 26%

Care credit has charged me fees in over 100.00. I can't reach them by phone and I want to talk to them. I'm getting the run around. Not good. I will notify the BBB next.

They charge me twice of what im own make my payment and its seem the balanced never goes down

They are treating some transaction separately so you should be making multiple payments each month but you may not know it!

credit is full of it--just because i didn't get it paid off b 4 the promotion they charged me 294.00--and i was almost finish paying it off--they wont have to worry about me again--and ill tell every 1 not to go with them--VERY DISAPPOINTED PERSON

I truely have never had a problem with Care Credit until recently we discovered that Account Security has been adding$30 payments to our bill. This service was never ordered. When we called they cancelled the service but we've paid $466 for something we did not authorize. I'll admit, the card is in my daughter's name and I'm a cosigner so I didn't see any statements and she wasn't monitoring them either...so with her interest and the Account Security charge, she was barely covering those costs with her payment...so the account has been at $1900 for about a year now. Why she didn't check into it until now I don't know, but I believe this practice is illegal and it's outright theft of them to place these charges on people's accounts. I called the BBB and they have numerous reports on them. Why doesn't the government do something to stop this theft? I'm getting ready to call them myself and demand a full refund...we'll see. A word of CAUTION: Be diligent and check your statements each and every month...we've learned a very hard lesson. These companies are thieves.

Care Credit/ GE Money bank are highly trained in the business of defrauding their customers. Most of their workers are foreign. They lie and twist ones story and put that in to the notes of ones file. Care Credit is a true rip off of ones hard earned money. They will also kill your credit.

PLEASE BEWARE...I BEG YOU THE CONSUMER TO PLEASE USE ANOTHER CARD !

MY INTEREST RATE WENT FROM 9.99% TO 19.99% THEN 24.99% AND NOW IT'S 29.99% on $5000.00

THEY MISS SENDING YOU A BILL ON PURPOSE SO THEY CAN COLLECT A LATE FEE OF $39.99

MY BILL WENT OVER THE LIMIT BY A DOCTORS CHARGE OF .23 CENTS I WAS CHARGED $79.98 IT WAS A DOCTORS MISTAKE AND CARE CREDIT REFUSED TO REMOVE THE FEE.

PLEASE AND I BEG YOU AGAIN----CLOSE YOUR ACCOUNT AND PAY IT OFF---BEFORE THEY RIP YOU OFF LIKE THEY DID ME OF $1, 619.00 IN FEE'S.

By the looks of most of these posts, perhaps a few English lessons would be in order, before borrowing money

Care Credit is horrible. My Fiance had to get braces and he has been trying to pay it off for 3 years. He pays 140$ a month and his fiance charge is 70$ so he is not making a debt! This horrible! How is anyone suppose to pay it off. specially in this economy!

My dog needed emergency surgery in February. The vet told me that I would have 6 months with no finance charges if I used this Care Credit, so I signed up. I have always payed my balances, but was shocked to find out that I I will not be paying interest on what I have left on my bill, but interest on my whole bill. Even what I have already paid off. I can only afford $70-$100 a month on my bill, but the interest charge each month is between $200 and $300 dollars. I am trying to get out of this circle and feel extremely stuck and upset. I can't believe my vet would ### so low as to be in kahoots with this company.

I used Care Credit to pay a veterinary bill. The terms stated that if I paid the balance within 90 days and made regular monthly payments, I would not be charged any interest.

I made the monthly payments and paid the balance in full within 90 days and was not charged any interest. No problems with this company.

Bottom line, if you stick to your part of the agreement, so will they. If you are reponsible with your credit, you have nothing to fear from dealing with Care Credit. If you will not be able to pay on time, then you'll be in trouble which is what happened to most of the complainers on this board.

I was going to call this CareCredit company and do business with them for my cats'sake(he needs oral surgery)but after reading all these complaints I have decided to go elsewhere for credit.It is just not worth all the aggravation and from what I have read, really rude reps. I cannot believe my vet had these brochures in his office. I will definitely make him aware of these complaints, which I feel warrants pulling the brochures off his counter. He cares way too much for his clients.This company is definitely not worth dealing with and everyone should and will be made aware of their shady business shenanagins!Thank you everyone who posted their comments, you helped me in making my decision!

Wow. I have had care credit for years and I am so appreciate what they have done for me. Every time I use my Care Credit card I am givin no interest for an amount of time in which I always pay it off. Every time I call, the csr is helpful and very professional. As long as you know the terms and conditions and ask questions before agreeing, you would have no problems. Why would you not find out what your terms are before applying? Know what you are getting into before getting into a financial agreement. You can't blame the creditor when you are the one who dropped the ball. Take responsibility. If you got a late fee, it was because you WERE late. If you were billed interest, it was because you DID NOT pay off your promo within the terms. There's obviously a reason why they are still in business. And it's not their fees as so many want to believe to make themselves feel better. It's because there is a large demand in help with healthcare expenses and care credit comes to the rescue with no interest. READ YOUR TERMS! DON'T BE AN IDIOT! Please go to you laywers so that they can explain this to you. Contacting a laywer may be an eye opening experience for most of you who think that you can pay as you go and complain when you don't comply to the terms that you yourself agreed to.

Add another one. My job shipped it's work to Mexico so I've been without work since July '08. Enough of my personal life. I've paid for 2 years on this account. I was late on the first payment because I never received a statement. They waived the fees when I called and sent me a copy of the statement. 2 years later... I called all my creditors after losing my job to work out payments. I received a settelment letter in the mail dated December 12 2008. I had 25 days from the date of the letter to call. I called December 30th. I accepted the settelment. I told the representative I could send out the settelment money by January 2nd. They told me that would be fine. They received the money January 5th. I received another statement from them. I called and was told that it takes a few months before the settelment hits the computer and the statements will stop. The representative I spoke to could see that I had a settelment and that I paid the amount requested. I'm now getting calls from a collection agency. I called GEMB and they told me that I didn't follow proper procedures and that my large payment was a normal payment. They also told me that they saw that a settelment letter was sent to me. And that I called before the settelment expired. And that they received the payment according to what the settelment papers stated. All of this happened within 25 days of the letter date. Today, Instead of correcting the problem, they say they can only offer me another settelment. Sorry GEMB. I paid it according to your rules. I already have my lawyer working on it so the only thing they will be getting is paperwork from him.

I totally agree, this company is truly awful and I would like to start a class action suit against them. If anyone out there is familiar with how to go about this let me know.

My story is that I wanted to get lasik surgery on my eyes and called an 800 number that was on my the internet for discounts. Well they sent me this card. I decided not to get the surgery and never used their card. After several months, I forgot about this card, but just yesterday I received a letter in the mail from them saying that they sent a letter to the credit bureau saying that I was delinquent on my account with them and they had to close my account for this reason. Well this went against my credit score and I never even used their card nor their services. When I called them to get them to correct this error, I was treatly very, very rudely and they refused to correct their error and refused to transfer me to a manager or provide a managers name for future reference.

I appreciate everyone here to took the time to post their experiences. There seems to be a pattern of abusive disregard of the consumer by Care Credit. I suggest that anyone who feels violated might contact their state attorney general's office to file a complaint. Also, file with BBB and Ripoff. Knowledge is power. It certainly has had me rethink applying to them for some dental work financing.

To the lady that had the negative expeience with "Brock" I too have had nothing but unprofessional, argumenative pep to deal with at Care Credit. They clearly take what ever dentist that does the work side. I went to a new dentist that left "opoen margins" in a crown, that I had to have removed and redone by a competent dentist 2 months later, and care credit completely took the quack dentist office's side. Then the CS rep I got on the phone with care credit was abusive and purposely patronizing me after I requested a supervisor, reading sweepstakes disclaimers to me, etc. before transfering me and then ultimately hanging up on me. I have called them numerous times to get a different story with my dispute each time. The woman I talked to yesterday was not only abusive and unprofessional, she was unknowledgable in her job. I am now going to sue the dentist office that did the shoddy work, as a result of all my time that has been wasted and the suffering I have endured. Care Credit is horrible and I suggest to anyone considering using them to NOT use them for anything. They could care less if unscrupulous dentist are using their financing as a means to rape the public, then add their rude and abusive call center representatives. I hope they go under because they do not deserve anyone's business.

Why can't we file a Class Action Suit on this? The online payment area pre-dates the payment. The date cannot be changed. So when I make a payment even though the due date is on Saturday and it says if I pay on a Saturday the payment will be posted on Sunday and I will be charged $39 late fee. On the phone they say "that's just they way it is". F**k them! I don't understand how there can be so many complaints and they are not affected in any way. That is just screwed up.

everything you read is true i had that experance today, they told me i had to pay what they change my bill to because it was late two times, i told her no way i just got this bill and sign up, last mth how is that. and my bill is no longer 167.00 and now $269.00 i told her f?k you and your bill you pay it.

i went to a dentist to have surgery for false teeth and got a loan through this bank however the surgery had been cancled by me and the dentist keept the money, i called the bank several times after i cancled the surgery they didnt care now they are trying to sue me because of the dentist mistake. now their lawyer threating me .the dentist wont return my calls. i dont owe them any money but no seems to care.
what can i do.

I have been called various names by collection company telephone representatives. I completely believe this story. My ex ran up a bunch of bills and signed my name on things, then the companies called me. I have been harrassed and cursed by the collection callers. There is no need to make up stories - life hands them to you.

I guess i'm the rare case in which I didn't have the payment problems that others have mentioned. I got the loan for dental work only because I didn't have the full amount available at the time. Less than two months from opening the account I recieved some back pay from work and paid the balance of my account in full.

My problem now is that this account still shows as an open account on my credit more than a year later and I have no contact information for them. The question I have for all of you: What number can I call to close this account?!

PLEASE let me know. I want them off my credit report ASAP!

Wow, for once I'm glad that my credit is bad enough that I got denied for a care credit card to have two root canals. Yay for bad credit. I can't find a single thing positive about GEMB anywhere.
For those who say that the calls are recorded and Brock would have been immediately reprimanded, I say BS. I used to work for a call center. Yes the calls were recorded but no one ever listened to them unless someone actually called and complained, and sometimes not even then. In addition, my supervisor was never anywhere near me.

They just take your money, and the more they can get the better. I currently had a promotional balance and payed on time except for the one time I was one day late. My fault. I knew that my promotion was getting ready to expire and wanted to pay off the final amount as to not accure the interest. when I called to find out about it, the lady said it would cost me $15.00 to pay it by phone. I told her I did not want to do that, I just wanted to make sure that my payment went toward my promtional balance and that it was ontime. She said it would be if I paid it online. So I paid it and thought all was good, as they hadn't posted any late fees online nor did she mention about my prevoius payment being one day late. Later I see online that they charged me for being late on the previous payment and all the interest for the promtional balance. Lucky for me it was only( 62.00). I will not let them screw a good person who does her best to pay her bills as my 740 credit score will reflect that! I'll be damned if my other promo for 20(62).00 is late so the can get more of my hard earned money.

I missed a payment (bill not sent?) and in two months my balance has gone from $800 to $1600. GE will definitely get a formal complaint from me.

I have ALWAYS had trouble with Care Credit. This last time the payment was due on the 22nd. On the 19th I paid much more than the minimum, which I ALWAYS do. It came out of my checking account on the 22nd but wasn't posted till the 23rd. Therefore, I was charged a $29 late fee. When I called to complain, Eric told me that he was sorry but they would go by the date it was posted and it was too bad, but there was nothing they would do about it. But they would report it to the credit bureau that I was 1 day late. This has happened more than once. I now have an attorney that is writing them a letter. I have paid $352 and still have a balance of $461 on a $500 credit! No matter when I make the payment they are rarely credited on time PLUS they say that there have been "Payment Reversals". I still can't figure out why. I have called my bank and they have no idea. I have ALWAYS had the money in the bank when the payments were made. The routing and account numbers have all been correct. I think Care Credit is a scam. I was in the dental office a few months ago and a patient was looking at the Care Credit brochure. The office was full of patients. I told her what a scam they were and she would never get them paid off. She put the brochure back as well as did others. Anytime I see people thinking about it, I tell them all about Care Credit and none of it is positive. I have also complained to LA Weightloss about them.

LM