CB Loans CareCredit

CareCredit review: Care credit card

Melyssa Salazar of US

Apr 21, 2026 8:28 pm UTC

Verified customer

Featured review

To Whom It May Concern,

I am writing to express my extreme frustration and disappointment regarding my recent experience with CareCredit and the manner in which your products were presented and handled.

I applied for what I believed was a CareCredit healthcare financing card intended for medical use. Instead, I was issued an auto-related credit card product. At no point during the application process was it made sufficiently clear that I was applying for a different line of credit than the one I intended. This was confusing, misleading, and highly deceptive.

When I contacted your customer service department to report that I had received the wrong card, your representative advised me that it was “okay” and instructed me to go back to the CareCredit site and apply again for the healthcare card. Relying on that guidance, I submitted another application.

I then used the account in good faith, only to have it closed days later with no reasonable warning or proper explanation. As a direct result of these events, my credit score dropped significantly. I have worked hard to maintain excellent credit, and your company’s mishandling of this process has caused unnecessary financial harm and stress.

Your application process appears designed in a way that creates confusion between products, and consumers should not be subjected to practices that feel misleading or fraudulent. No customer should be steered into the wrong credit product, told to reapply, then penalized afterward.

I am demanding the following:

1. A full written explanation for why the wrong product was issued.
2. A written explanation for why the account was closed shortly after use.
3. Immediate review and correction of any negative credit reporting caused by this matter.
4. Confirmation of what steps CareCredit will take to prevent other consumers from experiencing the same issue.

If this matter is not resolved promptly, I will consider filing formal complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, my state Attorney General, and other relevant consumer protection agencies.

This experience has severely damaged my trust in your company. I expect a prompt and serious response.

Claimed loss: My credit dropped 40 pts

Desired outcome: Reinstate my account and update my credit bureaus

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To the Corporate Office of CareCredit/Synchrony Bank

I am escalating this matter because the way my account was handled is unacceptable, misleading, and damaging to my financial standing.

Not only was I improperly guided through your application process, but now your company has the audacity to claim that I am somehow a repayment risk. That accusation is outrageous, inaccurate, and completely unsupported by my credit history.

Your supervisor advised me there is “no way” to reinstate the account, that there is no back office or higher department I can speak with, and that the only option available was to send a complaint to the corporate office. That response alone shows a complete lack of accountability and customer resolution.

I was then told the closure was due to suspicious or fraudulent-looking activity. Let me be clear: if your company reviews the recorded phone call, your own representative instructed me to go ahead and apply for the medical CareCredit card and assured me everything would be fine. I followed the guidance of your employee in good faith. Therefore, any activity that appeared unusual was created by your own internal mishandling and misinformation—not by me.

Your company created the situation, then penalized me for it.

As a direct result of your actions, my account was closed and my credit score dropped by approximately 40 points. That is serious financial harm caused entirely by your processes and your representatives’ poor guidance.

I have never in my life been late on payments. My payment history is 100% perfect. I monitor my credit daily, and I know exactly where I stand financially. So for your company to label me as a risk is simply wrong.

I am demanding the following:

1. A full written explanation for why this account was closed.
2. A review of the recorded calls with your representatives.
3. Immediate correction of any negative credit reporting tied to this matter.
4. Reconsideration of the closure decision or appropriate restitution for the damages caused.
5. A formal response from someone with actual authority to resolve this issue.

If this matter is not addressed promptly, I will be filing formal complaints with the Consumer Financial Protection Bureau, state consumer protection agencies, and all applicable regulatory bodies.

I expect better from a financial institution, and I expect a timely resolution.

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