CareCredit
reviews and complaints

I've already called and talked to not 1 but 3 people about never receiving my bill by mail ! They all stated that my address was correct ! But the 3rd person said ok everything looks correct, you should receive your bill in 10 or more days by mail! But she also states that sometimes you don't receive your bill when you first sign up ! Umm what that's not a me problem that's a business problem and I think it's a way so they can get you to pay by phone and I tried that and they want to charge a 10$ fee for using my debit card umm no that's not happening and when you go to your account online they specifically ask for your bank account number and routing number yeah that's also not happening as well ! Now it's been 10 or more days and I still haven't received no bill in the mail but instead I'm getting hounded by carecredit debt collectors ! I WANT TO MAKE PAYMENTS BY MAIL ! NEED I SAY MORE ! STOP TRYING TO RIP PEOPLE OFF!

These guys are rip offs. Please stay away from them as a merchant and as a consumer!

What happened with us is that there were some payments that we were still to receive from Care Credit, which were supposed to take only one or two business cycles. However, the account was transferred to another merchant and now it's been 7 months that we still haven't received our payment.

We've been calling them for the last 7 months and every time we have received a different response from them. They have been dodging the request and are keeping our money.

Now they are saying that because the account was closed they can't do anything and they won't be issuing any payment.

I am informing Care Credit about a depute I, ve had for many months. The first time I notified Care credit about the dispute the out come was in the merchants favor. The dispute was with the dentist that did not provide the service to my husband.The paper I signed at the dentist was for a proposal in the amount of $946.00 for my husband not the completion of work. Lesson learned from this experience. The dentist should not have received payment from you until work was completed. After the first outcome in the dentist favor we subitted Xrays from another dentist to prove my husband never received the crown on the molar. Again the dispute was opened. Again we were denied result infavor of the dentist.The dentist sent care credit proof of completed work for Geraldine Noto . The dispute was for my husband Dennis Noto, I never disputed the charges for my work at the dentist.I tried to explain all this many times to a representatives. It got me nowhere I requested many times to talk to the dispute team or a supervisor. I was told the supervisor would call me in 24 hours, never did receive a phone call. The dentist office person did not want to deal withcare credit she finally admitted wrong doing and sent us a check for disputed amount $946.00 I called Care credit to inform dispute dept. that we recived the check.Today i CALLED TO make a payment and the automated syatem said my dipute is $3956.00 do not know where they got this amount ? The representative once again he would notify the team of the wrong ampunt and also the check for $946.00 I am disappointed in you dispute team I would not have disputed any charges if it was not necessary . A credit card company should stand behind their customer. My husband could not go to another dentist to complete the work because the money was tied up in the dispute, it has caused him pain and discomfort and aggrivation . Have reported this to Florida dept of health the y are invetigating.

Care Credit puts me on a various "promotions" that I do not request and therefore increase my payments. I did not authorize the promotion nor did I request one. They never advised me of the promotion and or information pertaining to the promotion.

I planned on obtaining funds to go ahead with my dental impressions and extractions which were covered through medicaid and they told me they need an additional $800.00 to perform a file down procedure on my teeth and gums to provide a smoother fit for my dentures which would be costing an additional $800.00. Like I guess they gonna get their money from me one way or the other, right?! I called care credit and printed out the pdf at a library of the terms and agreement which I will not be needing because I didn't "pre-qualify" anyway! I was about to be angry and upset, but I decided to stay positive and think about the fact that I will be able save up my money and hand it straight over to Affordable Dentures, since carecredit wasn't about to be troubled! I read all these terrible reviews and I am counting my blessings because I am on a tight budget, but if they're allowed to screw over people like that that's just WRONG on so many levels!

I have just been notified that since my account is over the 30 day "grace" period and extension can not be made so that I may pay off the $4, 000. The financing has now been applied to my account bringing my total due to $6, 125. I made several call and the representative Rachel tells me that there is nothing that can be done. The amount of "grace" should be considered more closly and with consideration to cunsumer needs. I came up with the $4, 000 to pay off the account and when I loggod on I saw the balance to be $6, 125.

Being told to now come up with the additional 2, 125 is such a hardship and now puts me out further with paying off this account.

I had already paid off the $4, 000 on my other care credit account and now this.

I plan to cancel this account and never use care credit again in the future. The is no "care" or "grace" shown by this company.

I have had two incidents of the same situation happened now and I am considering closing my credit card account or not paying the remaining balance because I feel like they have stolen from me. The first incident happened back in October/November of 2020. I had a promotional code that expired that month and if I didn't pay it I would be charged interest on the balance. I could not pay it on time but I was told that I had 30 days to pay it off and they will automatically adjust the corrections, so I paid the full balance within 30 days and they still charged me the interest, which ended up being $1, 207.61 in just interest for a balance of around $4, 000. When I tried calling back they said they could no longer fix it, and I was left screwed. Fast forward to July/August of 2021, I had another promo expiring and I only had around $300 left to pay from the original balance amount, due to COVID I have been struggling like everyone else financially, so I could not pay the remaining $300 on time but I did pay it a few days after and I was charged around $504.44 in interest. At this point I was beyond confused as to why the interest charge was more than my remaining balance, so when I called to ask for clarification, they informed me that they charge us interest on the full ORIGINAL balance. I was shocked and felt like this shouldn't even be legal. If I paid off most of the balance, how can you possibly charge interest on a balance that has been paid off? I tried requesting for an adjustment for the payment to properly reflect that it was paid, but the representative told me that they could no longer correct it during that time because I called back after the 30 days, even though I had already made the payment before the 30 days.
I would like for CareCredit to refund me all of my interest back, for up to a total of $1, 712.05.

They reduced my credit limit from 7000 to 1000 for no reason. When I called and after getting the runaround on their automated system for 20 min finally talked to someone they said it was do to a credit chance. My credit is over 800 and my income increased. Zero reason to reduce it. Then again today I called and again after the runaround on their automated system I finally said close my account thinking I'd talk to someone. The automated system said ok and closed my account. Still wasn't able to talk to anyone. What a joke.

Their payment system was complete garbage about a year and a half ago. As a result, I missed many payments. They have since made paying easier as well as added a better albeit not great notification system. I just want this to be known as I am quite peeved, but not disputing charges either. Oh they also reduced my line of credit from the late payments which I guess makes sense, but they will be losing my business quickly after I pay off my balance.

I have used CareCredit in the past for medical, dental, and vet expenses for the last 5 years but haven't needed to for several months. They decreased my limit without notifying me by 2/3 (from $3900 to $1024)- found out today on my credit report when I noticed a 10 point drop out of nowhere. When I contacted customer service, they told me it was because of my credit report- not that I hadn't used it in a while. I asked for my previous limit to be reinstated, to which they replied "we can ask for an increase again for you." No, because that would ding my credit report further. I asked to speak to someone else, they transferred me to a manager who told me the decrease happened on 7/30/21. I again reiterated my frustration that I was never notified about this and that I know it wasn't related to my credit score as nothing about my spending habits or score had changed in many months. It was then that I was notified of it being because of inactivity and was once again offered to "request an increase, " which, again, dings my credit further. If CareCredit is supposed to be used for medical payments and emergencies, why am I being punished for having good fortune to not need medical care? And to do it without notifying me of the change- what would have happened if I needed to pay a large medical bill and was suddenly short thousands of dollars? I've had the same limit for years without issue and would like my previous limit reinstated without damage to my credit score.

I have had a CareCredit account in perfect standing since 2009. I noticed early on how bizarre it was that it was almost impossible to get the card paid down. Even making double payments after one year my balance would look like it hardly moved. I used the card for veterinary bills. My credit limit was $6, 400. I never maxed out that card. I kid you not my balance stayed at $5, 400 for over a year not moving even with making double payments. Come 2021 I attached a new bank account to my payment methods. On accident I used the savings account number instead of checking account number. I noticed my mistake immediately and made a second payment using the proper method. A few weeks later I get a letter in the mail telling me my account has been closed. When I call to find out why they say because I had a payment that bounced. First of all I did not have a payment that bounced. My payment went through on time! I called and spoke to customer service and told her that the payment actually went through it was a mistake by trying to process it through my checking account and she acknowledged my mistake and apologized that they closed my account over this. So tell me why they also charged me a $30 fee for this while also closing my account? I told the woman that having a returned payment is in the contract as being punishable by a fee not account closure. She had nothing to say. So I asked is my interest still at 26% even though they wrongfully closed my account for no reason at all in the middle of a pandemic when I could need my card for an emergency? Again crickets. I thought it was just me being delusional about the account balance never moving even though I made double payments. Well it wasn't just me! My brother had to apply for a Care Credit account to also handle vet bills for his dog. His balance was much less than mine at only 2, 500. He's been paying the card for over a year making double payments and his balance is down to 2100. How is that even possible! What are they doing? If you call them somehow they are able to mix up words to make it seem legit but there is just no way. The numbers don't add up. If my brother pays $150 a month for a year that's $1800 down even with 26% interest that should put a dent in a 2500 balance! This company is awful and very predatory! My email is [protected]@gmail.com

I recently used this account for some dental services, I never received a billing statement; I only received a text message that my first payment was late, not even knowing when it was due; the same thing happened with my second payment!
I have tried contacting his company by phone, only to be put on hold for lengthy., of which I never did get in touch with a representative. I also tried the live chat, and once I was actually able to chat with someone, I was unable to operate the keyboard on my end, imagine that! I want a paper billing statement mailed to me, but have no way of contacting someone to convey this information; I also want any late charges incurred to be removed from my account, there is absolutely no reason for this! This is one of the most reprehensible companies I've ever had to deal with! I will be getting in touch with the Better Business Bureau if this is not resolved immediately!

I called the agent to allocate a full payment to one of my promotional purchases for dental services. I also made a monthly payment that was due. The agent assured me that my payment would cover that promotion. I checked tonight and that money over 1600 dollars was not allocated towards that promotion and my promotion must be paid by December 10th.

I called into care credit because my credit limit decreased. I asked to speak to a manager because I wasn't understanding exactly why this happened. The manager was very rude and not helpful at all. When I asked to speak to someone above her and she stated that no she couldn't do that just because I can't get my way. When I asked for her name she laughed and hung up on me. This is very unprofessional and rude. I have never had this experience at care credit.

Your website never works to make payments - hit method and will NOT ever let me click on confirm. Your 1800 number is just a series of runaround and avoidance to the customer. I have been trying for 5 days to close my acct and pay balance,
You are purposefully making it difficult for me to do so.
7.4 - 7.6 - 7. 7 - 5/9 7.10 7.13 7.14
Now you have me on hold for 30 minutes to ensure I DO NOT CLOSE this account. I WANT THIS CLOSED TODAY!
BBB - Consumers Affair Washington have been contacted.

Lisa McFarland
[protected]

I have called this company three times to get my bill sent in the mail. I have not received a bill. They just blame the post office. If I pay the amount from a surgery within one year then it is interest free. However they are not sending the bill. That strikes me that they are slow to bill so a customer gets behind on paying to avoid interest free billing. So shifty.

This company knows how to make money. They offered 6 months with no percentage fee and then after six month they charge my card with all the percentage for the past 6 months. I was very surprised when I saw extra $642 interests charge for balance of $5000. I called them and payed off the balance and closed the card. They response was "Sorry but you should ready the statement". It was very sad how they don't care about customers.

I am very disappointed with Care credit, I paid my bill in full and had a zero balance . I overpaid my the balance by 100.00 I requested the refund on 22 February. I was told that it would take 15 days to receive the funds. Today is 23 March and I still have not received the check. I'm actually on the phone with a representative of Care Credit that is telling me she will initiate the process again so that another check will be sent to me. This is unacceptable and ridiculous. It does not take this long for mail to travel overseas. I have been more than patient . The new check was sent out 23 February and today is 23 March and I still don't have my check.

Beware of this company's predatory actions. Care credit uses outdated credit info to decide whether or not they will reduce your credit line while in contact.
This is the second time care credit has reduced my credit limit putting me at 97% credit usage, ultimately dropping my credit rating by 60 points. When contacted and asked for the reason behind these actions, they stated that 60 days ago my credit use was high (christmas, holidays), but had since been paid off...
Their system back dates interest, and will reduce your credit limit quarterly, but not notify the consumer. I spoke with several managers whom were all very nasty and blamed my carelessness for the reason of my reduction... Funny I had a 740 score until yesterday... Please beware. If any attorney read this, feel free to find me...

12/18/2020
I used the Care Credit mobile app to pay a veterinary bill of over $1800. I was offered, on the app, the option of 24 months deferred/no interest if paid in full. This was somehow changed to fixed/reduced interest "until paid off" - no. Why would I choose 24 months if it's "until paid off"?
I would like this to be amended to my choice.