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1.9 200 Reviews

CareCredit Complaints Summary

45 Resolved
155 Unresolved
Our verdict: When using services from CareCredit with a poor resolution rate, be vigilant. Understand the common pitfalls other customers have faced. Prepare thoroughly for any interactions with their customer service, and consider alternative solutions if your issues are not addressed satisfactorily.
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8:20 pm EDT
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CareCredit billing

I was approved for Care Credit almost two years ago.
I paid off the dental bill prior to being charged interest under their promotional period. Apparently, too quickly for their liking. I was never once late with my payments.

After not using my Care Credit account for about a year, I opted to use it again in order to keep the account open. Having "account closed by creditor" on your credit report isn't good, even if it was closed due to inactivity.

Since making the mistake to using Care Credit again, I've been living in a nightmare. Someone posted about the representative named Kyle, employee ID 74222. Apparently, they are still paying him for delivering horrible customer service. He was the third person with whom I spoke, and apparently, he doesn't have a manager/supervisor/director. Intriguing. I work in a call center, and my supervisor has a manager, who has a director. Every employee has another person who's higher in rank than they.

Anyway. I've attempted to pay Care Credit twice. The only way I knew anything was amiss was because collection calls would begin. I've used the same checking account to pay them now as I did in the past for the dental bill. Nothing has changed; the online system even stored my account information.

I was informed my account number is incorrect for my bank. Care Credit has claimed this twice. I've verified with my bank that everything I am inputting has been done correctly. I strongly believe that Care Credit is not even processing my payments at all. My bank has no record of them even making the inquiry to withdraw money. I am certain they are issuing late fees and returned check fees in order to get more money of consumers. I don't see how this is ethical. Nor do I understand why the BBB gives them an A+ rating.

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HolidayCook
Holiday, US
Oct 08, 2009 9:02 am EDT

Care Credit is terrible to do business with. They charged $39.99 for 30 minutes late on a payment. I did get credit back on that one. Then we had a lightning strike which knocked out my computer for over 24 hr. I was able to make my payment after the computer, etc was working again. I was 5 1/2 hours late, I explained and they were very rude to me. So called supervisor told me I had my one late fee reversal. So if you have any power outages, get home late from work or anything. Be sure you paid your bill before 5pm!

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Tevin
Las Vegas, US
Dec 03, 2010 7:43 am EST
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Really? I am a Care Credit holder, what do you recommend as far as the inactivity policy goes?

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12:58 pm EDT
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CareCredit fraudulent moneymaking scheme

You go to the dentist and she wants to do an expensive procedure that isn't covered by insurance. When you balk at the price, she has a cost effective alternative - CareCredit. DON"T DO IT - IT IS A TOTAL SCAM.

I needed a $2, 293 program for my gums. When I said it was too expensive, she came up with CareCredit. According to the paperwork (that I have in front of me now), I would be able to pay for the program over 24 months, interest free. It would cost me just $95.54 / month. She explained that if I hadn't paid it off after the 2 years, I would owe the deferred interest at 19.99% annual rate.

Knowing I could easily afford that, I signed up. Big mistake. The pamphlet CareCredit put out is very carefully worded to mislead. In fact, everything about this operation is designed to mislead. The pamphlet shows that they offer 3, 6, and 12 month promotional periods of 0% interest and longer periods at 11.9%. The brochure implies that if you are not in good standing, you get a 22.98% interest rate slapped on.

Here is what really happened to me. I got my CareCredit card with the opening charge of $2293. I began paying it off, $200 per month. That was over twice the rate I needed to pay it off over 2 years. I set up an auto-pay and after verifying that it was working, decided to just forget about it and let it run till it was paid off.

In reality, it didn't work like that at all. After 3 months, the promotional period "ran out" and I was back charged $167 in deferred interest. And then I started accumulating interest on the balance at the punishing 22.98% rate. Just for the record, my credit score is 782-790 and I have an interest rate of 8.9% on my Visa card. I pay off my credit car in full every month.

CareCredit is a dishonest money making scheme. The entire operation - from the way local medical professionals sell it, the brochures that are handed out, the manner in which customer service operations, and the way in which the program is run is all about deception. You are led to believe you are getting one thing when, in fact, they are setting you up for punishing charges.

I find it shocking that a company like GE puts their good reputation on the line by operating this fraud. The executives of GE Money Bank should be investigated for wrongdoing and thrown in jail. This is a total scam.

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10:06 pm EDT
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CareCredit account security

When I signed up for the Care Credit card from GE, the intention was to use it to cover vet bills for my cats. They offered an Account Security plan that would allow me to erase my debt completely, for whatever reason, without having to pay a dime or without having a bad mark on my credit score. I decided to enable the service.

1. I signed up for this option through GE Care Credit.
2. Account security is an all together different department.
3. Only the Account Security people can cancel or make changes to the option.

When I called to enable the account security (of which I pay for every month mind you), I first called GE. They told me to call acc. sec.. I called acc. sec. and they told me that I don't have the service. It seemed to be cancelled yet I was still being charge for it. They told me they would refund my money back into the card. Simple right? Wrong. I never gave them permission to cancel the option. I was never informed that the protection was cancelled. No one called, emailed, of wrote to me of any changes. When I got in contact to find out what was going on, GE told me the protection is still on my card. They don't understand what's going on. Acc. sec. are clueless as to what happened. One department is blaming the other for the screw up, and nothing is being done about finding out the answer.

I have been going back and forth with these ###s for about three days now and know one seems to know how this all happened. Worse yet, they two companies will not call each other to find out what is going on. Supervisors, in both companies, are a complete joke. None of them could help. No one wants to take the blame or do anything about it. No one can answer my questions. No one is capable.

I originally wanted to enable the protectin since I am on unemployment and my check has been cut back. I have tons of debt, but I'm still able to pay my bills. I want to try to eliminate whatever I could to make it easier for me. Since this card supposedly gave me the option to do that, I wanted to take advantage of it. Obviously, they are giving me the run around. It seems that they don't want me to enable the protection, either that or someone screwed up big time and no one wants to claim responsibility. I don't want this debt or this card anymore. I'm thinking of hiring a lawyer if this is not settled by next week. Or maybe I should contact the news media, since they're always will to help a viewer in need as long as a story comes of it.

Stay away from this credit card. It's a joke.

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11:45 am EDT

CareCredit they are financial sharks and lowest of the low

I used Care Credit when I needed some dental work done a few years ago. In three years I never missed my monthly payment, always paid by the due date, ALWAYS on time! One day they cut my limit from $3000 to $2300 which in turn hurt my credit score because of the "credit to debt ratio" rating, then a few months later they closed my account for no reason. I ALWAYS PAID ON TIME! They upped my due date by 3 days which made me late because I paid on my regular due date. They charge a $39.99 late fee if your are late and almost $45 interest per month. Three years, never missed a payment except one month when customer service didn`t follow through on their commitment (overseas cust serv, so they can`t understand you) and my credit score dropped 59 points. I borrowed from my life insurance just to pay them off. They are financial sharks and lowest of the low!

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6:26 pm EDT
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CareCredit billing

STAY AWAY FROM THIS COMPANY! Our vet recommended them for an emergency vet bill. We recieved a "promotional rate" if we paid a set amount over the minimum payment each month. Our credit limit was $500.00. We paid that set amount of $50.00 and paid AT LEAST a week early each month. I noticed that the last two months the balance was INCREASING...when I checked my statement this month which I downloaded (which conveniently they had changed to online only instead of a mailed paper statement so I would not notice the interest change) I found on the statement that the promotional rate had expired and THEY CHARGED ME $97.38 IN INTEREST ON MY BALANCE OF $206.57! Are these people on CRACK? How on earth can you justify almost a hundred dollars interest a month on a 206.00 dollar balance? I am getting ready to contact them via email I will close this account. And I have informed my vet of their practices. DON'T USE THIS COMPANY FOR ANYTHING! I can see now why they have so many complaints listed on this board. This is one for Clark Howard to advise.

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2:56 pm EST
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CareCredit introductory offer for 3 months???

When I heard about the care credit plan from the girl at the oral surgeons office I thought the offer was great. I was told I could pay off my balance in 6 months without a penny spent on interest. (So I thought) On the forth month's bill I saw intrest attached on to my remaining balance. WTF. I called the company of course and they said that the person at the oral surgeons office signed me up for the 3 month introductory offer instead of the 6 month introductory offer. It is a mystery to me how she could have signed me up for a 3 month no interest offer without a 3 month no interest offer written anywhere on the care credit's brochure and website. After I contacted care credit again they said nothing could be done about it. :( So my money was stolen from me through misrepresntation and a stupid ### that works at the surgeons office.

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9:46 am EST
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CareCredit er visit

IF YOU HAVE AN ANIMAL THAT NEEDS LIFE OR DEATH TREATMENT AND DON'T HAVE THE MONEY DON'T TRY TO GET CREDIT FROM THIS PLACE. IF YOU DON'T HAVE A PERFECT CREDIT SCORE THEY DON'T GIVE A DAMN. WE LOST OUR LITTLE ANNIE DUE TO AN ACCIDENT AND DIDN'T HAVE THE 2000.00 FOR THE OPERATION AND SHE DIED THE NEXT DAY. I'M GLAD ANNIE WASN'T A CHILD THAT NEEDED MEDICAL ATT. BUT WAIT SHE WAS LIKE A CHILD TO ME SINCE I DON'T HAVE CHILDREN.

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bajaskier
Fond du Lac, US
Feb 18, 2010 1:58 pm EST
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Your better off. The last thing you needed was having to deal with CareCredit. Read the thousands of complaints against these scammers.

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2:13 pm EST
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CareCredit care credit fraud

I opened a Care credit account last year 2005 to pay for dental work. The first 3 months I paid with no issues. Then the next statement I noticed a late fee. They had adjusted my due date. They did this 2 times. I called them the first time they stated they were going to take it off. NEVER DID> I called them again a few months later and they told me again I was late for the 2nd time. They are scamers and dont used Care credit. I closed my account and transfering the ballence to another card I can rely on. Wow and how do they stay in business. I wonder if the news should get a hold of this info.

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Scardiner
, US
Jun 03, 2010 6:29 am EDT

One year ago, I needed my heater replaced immediately. The bill was over $4000. The heating company told me that if I made monthly payments of $350. for one year my account would be paid in full. Imagine my surprise and outrage when I opened my last bill and instead of a payoff amount of $350., I was billed for $1000. I called customer service and complained. I got nowhere with this and asked to speak to the manager. This manager, Judy, was extremely rude to me and told me that if I didn't pay the balance in full that I would be charged an additional $500. next month. Needless to say, I paid the amount. I am on a fixed budget and a senior citizen. I think that the company needs to be more polite to its customers, more though with its statements, and not be able to charge these outrageous amounts. I will NEVER do business with these people again. As far as I am concerned, this is a scam.

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Beijingge
, US
May 27, 2010 5:39 pm EDT

I used care credit two years ago for some much needed dental work that cost me 3000.00 but today, after paying 130$/month i still somehow owe 3100.00 i have been late a couple times so there were some late fees but seriously.. ive paid about 3100.00 INTO them. HOW, , , HOW do i still owe over three thousand? it has doubled and who knows it will probably double again in the next 2 years. there is no way out unless you can pay them in full all at once. im very discouraged. if anybody can tell me how to get out of this, let me know. Also dont get their account security. i was stupid enough to fall for that at 40$/month and cancelled it before the 60day trial was over, but they continued to bill me for it for 8 months even though every month i would keep complaining.

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Smitlenne
, US
Apr 01, 2010 6:44 pm EDT

I am really disappointed with their customer service department and the general unprofessional practices of the company as it relates to advertising, promotional offers, the fine print and actual implementation. I would highly recommend anyone planning to go with GE Money or care credit to stay away and if you can't please understand the terms and conditions as they are extremely vague. These guys are crooks!

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Marlinee
, US
Feb 16, 2010 2:10 pm EST

I have had this card for over 5 years, used it for my dog, lasic surgery and several times at the dentist...I made an appointment the other day for the dentist to have extreme work done and thinking I could use my care credit card for the balance; got home that evening opened the mail and they cancelled the darn card! I have never been late with this card and can't understand why they did this except that they pulled my credit and noticed that I have some higher balances on other credit cards but again paid on time and besides what does that have to do with them anyway? I pay my bill and the interest they charge me without fail...this is complete BS and now I will have to wait another year to get this much needed work performed on my mouth. thanks GE Care Credit for absolutely NOTHING...

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12:43 pm EST
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CareCredit no refund

I have been getting the run around from Care Credit since Sept 09 on a refund that was overpaid, at first the told me a couple of weeks now they are telling me there was a mix up . My Account was paid off in Nov 08 . All they really need to do is give me what is due to me . My dentist sent it to them when the refund should have gone directly to me since the card was closed . They should of given it to me a long time ago, I think they are the worst run company ever.

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11:10 pm EST
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CareCredit fraudulent practices to get high interest

My balance was 1900 and my INTEREST IS 1950! CARECREDIT IS A PRODUCT OF GE MONEY BANK, A BANK WHICH USES THIRD PARTY TO ENGAGE IN GETTING PEOPLE LIKE MYSELF TO OBTAIN CORRECTIVE VISION SURGERY

I wrote to the Federal Deposit Insurance Corporation, Consumer Response Center, 2345 Grand Boulevard, Suite 100
Kansas City, MO 64108
I also wrote to the Federal Trade Commission, Board of Governors for the Federal Reserve System.
it's insane! 100% interest on a balance of 1900? It's 1950 interest on a balance of 1900!

HERE IS MY STORY: :

I filed with the Federal Trade Commission online but I am advised that this office has a better sense of public sensibility if I write in letter form. I would like this office to engage in an investigation of the practices of GE Money.

And to that effect, I attach “samplings” of the complaints filed by consumer that I obtained on-line. In addition, I attach a copy of my recent bill due November 27, 2009 and which I received on or around November 22, 2009. As you can see from the complaint filed with the FTC, it was filed 11/22/2009 the day I received my bill, and yet, GE MONEY’s computer generated letter was dated November 18. 2009. The date of this letter is important for two-fold reasons. GE Money had anticipated the interest to rise and they pre-emptively sent these computer letters selectively to those who they categorized as high risk. But that is not the issue. The issue is whether GE Money had acted within reasonable bounds of acceptable practices that are not predatory. By singling out some prior to the actual due date, they have “selectively” chosen the members of the debt class, and worse, they failed to provide adequate notice of change in terms.

FACTS:
In or about April 2008 I was considering a corrective eye surgery which would correct my terrible vision. In or about that time, I was advised by my Doctor. that there is financing available through a card called CareCredit. They contacted Carecredit and obtained a financing at ZERO APR, which I was advised would give me time to make payments over time. The payment obligations were made to GE MONEY. I have never been late and even had automatic repayment along with additional payments. I whittled my debt from about $5, 000 and only $1900 was remaining. But based on the assumption of my ZERO APR, I continued repayment without being late.

In or about November 22, 2009 of this year, I received a bill for payment. It stated that I owed $3, 570, of which the INTEREST EXCEED THE BALANACE OWED. The Interest was applied from inception of my card, NOT from when the expiry of my term. The expiry date of the term would have been November 2009 or so. The purpose of financing was to provide the consumer the opportunity to engage in a medically necessary or meeting ancillary concerns without being financially exhausted.

By adding INTEREST carried backwards, the offer of ZERO APR is a fraudulent and a misrepresentation of the terms and conditions.

Moreover, there was NO NOTICE that the terms have changed or that it will become changed. I had created automatic payment and in addition, another payment in order to protect my credit record. The implication of the interest added form the inception of the term is excessive! And if the financing facil8ity such as GE MONEY Bank which offers products like Carecredit and other types, a clear NOTICE and ADEQUATE NOTICE should have been provided prior to sudden rise in interest, in order to give the consumer the option to OPT OUT, or Repay down the debt before it becomes ripe. That inadequacy of notice is deliberate and the offer made through a third party service provider, such as a doctors; office is PREDATORY LENDING practices.

I was so disgusted that I researched on line the number of persons who have been scammed in similar manner. I am attaching a copy of those complaints. You will see that GE MONEY Bank and their products that they carry are generally and customarily done through a THIRD-PARTY service provider, such as a medical facility, veterinarian’s office, or some stores. They do so because this adds a layer of legitimate “buffer” between the consumer and the actual financing vehicle.

AS a member of FDIC, FTC and member of the Federal Reserve Banking, GE MONEY has an obligation to meet the standards of federal regulations, in which this office has jurisdiction and oversight over their practices.

I will pay down my balance ONLY but since GE Money is a scamming agency, I would like to obtain a guarantee and a stipulation that they will provide me with accurate accounting, and also guarantee that this will not alter my credit reporting.

Enclosure
Cc: GE Money Bank PO Box 981127
El Paso, TX [protected]

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Chuckhen
, US
Jan 22, 2010 1:49 am EST

There tactics on the retail side really bad but their customer assistance is even worst. There server application took a payment double the amount owed and they flat out refused to give the extra money back. They would also not give me the credit for the extra payment, I owe another payment in 15 days. I've heard of kicked a person where they are down but wow.

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CareCredit unethical business practice

Established an account thru Care Credit to pay for a hearing aid in Oct. 2008. Did not have hearing aid insurance coverage. We paid $300.00 down and made payments of $100.00 Oct., Nov. & Dec. in Jan Care credit supposedly updated their system and failed to credit the monies paid on the account prior to to the system change. Now they're wanting $367.00 for intrest due to their system/people error. The account was paid off in Oct. 2009.

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CareCredit promotional expiration

I have been paying on this account for 18 months. I called and spoke with a rep about an extra charge I received on 10/4. My "promotional expiration date" expired on 10/14. They didn't say a word. I owed 50.00 out of an original bill of $800. I received my next statement with an extra $172 in interest tacked on for being 2 weeks past my expiration. They refuse to credit this amount and say that I should have clicked on a separate tab to see when my promotional interest free period expired. They said the rep only had to tell me that it was about to expire if I specifically asked. They said that the main page of the website only includes "the most asked questions about the account" and it's not their fault that I didn't click further to find my promotional expiration. I talked to an "escalation specialist" who completely talked down to me and was borderline rude. He refused to transfer me to his supervisor.

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Zubydoo
Egg Harbor Township, US
Jul 29, 2013 9:15 am EDT

I too was not TOLD ABOUT TIME AVAILABLE TO HAVE to pay back without interest. Every time you buy something, there is time ( how much ?) before you start getting interest charges. I did find the page, after getting the charge, that shows you how long you have to pay BEFORE interest is applied. Mine is an Animal Vet card. I had a cat cut from top of back to bellybutton ! Horrible. &1500.00 for bill.
I HAD to do it. Vet bills are making us animal lovers DO WITH OUT !

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CareCredit online payment rip off

I've tried several times to pay on line and this is the only website that I have difficulty trying to access my payment. When I tried to pay over the phone, they charge 10.00 x tra. This is not right! I will report them to the better business bureau and I urge every one else who has the same trouble to do the same !

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mgugdec
Boynton Beach, US
May 12, 2011 11:40 pm EDT

No matter what I do, reset password or try to register again, I keep getting the message:
"THE USER NAME OR PASSWORD IS INVALID"
I've done this over and over and over again! Multiple times!
I CANNOT LOG INTO YOUR WEBSITE SO I CAN PAY MY BILL ONLINE!
I HAVE TO MAIL IN MY PAYMENT!
I'VE NEVER HAD THESE PROBLEMS ANYWHERE ELSE, WHEN I PAY BILLS ONLINE ALL OF THE TIME!

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momstaxi6
topsham, US
Feb 20, 2011 12:47 am EST
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I've never had a problem with this company. My online pymts are accepted and deducted on time without incident.

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6:07 pm EDT
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CareCredit undue interest rate increase

I have always made payments on time or as agreed, always being told that our credit with CareCredit was excellent. Just recently I received a letter stating our interest rate would hit over 22 % on the day following Nov 3, 09. Nothing had been said about "credit worthiness or Lateness. In fact all late fees erroneously placed on acct were refunded. Yet they are raising our rate stating we were late 3 times. One payment was made within two days and this was after omy husband, retired military, suffered a severe brain injury. Here is an address to complain to. Go to ots.gov and file the complaint and make copies. The toll free number is in D.C. [protected]. Your state will have a number also. I called Washington and received a call the very next day. I have filled out the form and sending in today. Good Luck. Jody

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Mom in Colorado
,
Nov 08, 2008 12:44 pm EST

Their website promises free, same-day post payments. I make my payments on the due date, they show me an online printable receipt with a posting date, and then went ahead and posted it the next day anyway. And charged me a late fee. Again. They also outsource their harassing phone calls, and if you do have the misfortune to be late (and, haven't we all? It's been a bad year.), they will call you 5 times a day! I will never do business with GE anything, ever again!

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m2o
Dallas, US
Aug 04, 2009 12:35 pm EDT

For over the past 6 months, I had been paying $500 per month ($250 per paycheck). I had extra dental work performed. So, my minimum amount due increased to approximately $275. Then in July 2009, I was assessed a Late Fee. I called Customer Service. The first person was unable to understand that I had been paying well over the minimum amount due and did not deserve a Late Fee. I asked to speak with a manager. The manager was rude, condescending and very disrespectful. It's hard for me to understand that even though I had routinely been sending in well over the minimum amount due for a significant number of months (much longer than my new charges had been added) that they were correct in charging a late fee. I never raised my voice and tried to discuss logically with them that their system was flawed by not taking into account all of the monies that they had recieved during ANY cycle. WATCH OUT for EXTRA FEES! And, do not expect to be treated like a good, paying customer!

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debthelp
Miami, US
Oct 19, 2009 3:37 am EDT

I know of a company that can settle this debt down to about half of what you currently owe. Send me an email to debtrelief@rocketmail.com

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Laurie
Haslet, US
Nov 13, 2008 2:58 pm EST
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File formal complaints with both the Federal Trade Commission and Office of Thrift Supervision.

GEMB will completely ignore you - they cannot ignore complaints from the Office of Thrift Supervision ASAP!

The government is planning on giving credit card companies part of the 700 Billion dollar SUB-PRIME MORTGAGE BAILOUT MONEY.

We cannot allow the government to give any money to GE MONEY! They make a fortune ripping off customers.

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JP
,
Nov 08, 2008 2:01 pm EST

Forget about the lateness -- you should hear what they did to me. I have a Paypal Buyer Credit supposedly run by GE Money. I have always paid on time and way over the limit. So much so that I had a credit on my account. Now you would think that they would want people like that -- but guess what! They lowered my credit limit by over half! I called and they said well you will get a letter explaining -- I'm like what the heck!

I asked if I was late, he said no. I asked if I didn't pay the recommended amount, he said no. Then what's the reason. The only thing he could say was that a letter was coming to me explaining.

I have cancelled my Ebay account and PayPal and told them both why I did that. Maybe if we all put pressure on these idiots -- they will get the message. WITHOUT US YOU DON'T EXIST!

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CareCredit wrong name on account!

Dear: Care Credit, Please For The Last Time ! ! !... Com-on . I've Called, Talked To Yall On The Phone& net. Can't Count anymore! OK..! ! This is it ! ! ! ...The Name On This Account Is ...Hold on...Mr. Kelly J Potts... Not CALEP POTTS. ! ! ! ! !?... That's Right:...Mr: Kelly J Potts... Do Yall Get it Know... Now Please After So Many Attemp's...CHANGE IT...NO...REALY CHANGE IT

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CareCredit unfair extreme high interest rate

My GE Money "Care Credit" account has jumped to 23.990% (really 24%) interest for no reason whatsoever. They also said IF I miss a payment that the interest rate would be 29.99%.

I have missed no payments at all. I went ahead and paid off the balance and destroyed my credit card.

I will no longer do business of any kind with General Electric Company who owns GE Money who issues the Care Credit type credit card.

They are using very unfair, extremely high interest rates.

They certainly do not need my business.

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CareCredit late fee

with all these complains against CareCredit, i am wondering what legal actions can we do? their business practice is just unethical. late fees, fluctuating due dates, erroneous statements, etc.

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Update by arata wata
Sep 09, 2009 7:43 pm EDT

i have setup my automatic payment in my bank of america online banking. but i was surprised that i have been charged 39.99 for several months because the DUE DATE FLUCTUATES! what the hell? that's ###ing stealing.

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steingruebner, k
Freeport, US
Jun 03, 2016 8:17 am EDT
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We have had an automatic payment for Care Credit from Citibank for many months. In July, I increased the amount by $15.00 monthly.In August, 2009, I was charged a late fee of $39.99 on August 18 even though the payment was recorded by you in August 18. In September the payment was recorded by you on 9/17 and a late fee of $39.99 was assessed on 9/18. Until July, the minimum due had been $82.00 monthly. Did that change and when? Now, we're told our APR will increase because of late payments which were actually on time! Please clarify and explain.

Please respond to
happykraut@aol.com

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Sore Consumer
Hunters, US
Jun 03, 2016 8:18 am EDT

I also have suffered inflexible treatment from carecredit due to a supposedly error in logging on my bank account number for auto payment. No effort was made to appraise me of the situation until I found $80. worth of fees on my statement. This is blatant callousness, take advantage of your position type of attitude that you can expect from them. Customer service is in place as others have stated to just stonewall you and avoid being pinpointed in their practices and of real place of business. Talk about knowing you are going to make people mad and making sure they cannot get to you personally. I was actually told that it was my mistake therefore my problem! I think there should be a way to make companies that act like that responsible and have substantial punishment for it.

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Phyllis Van Hove
Toledo, US
Mar 29, 2009 6:23 pm EDT

I have been a CareCredit customer for several years. I have never been late with a payment. In fact, I have always paid more than the minimum amount due.

I also have always paid my promotional amounts before the expieration date.

My complaint is that I was given a late fee of $29 for a payment that was one day late. My payment was the balance on the account. Since I had paid off the balance on the statement, I do not feel that I should have been charged a late fee. I am seriously considering never using CareCredit again.

Phyllis Van Hove

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jlew
Charleston, US
May 04, 2011 10:21 pm EDT

With all these complaints about CareCredit, I wonder why it is I haven't had a single problem with them yet.

My rates do not fluctuate and I pay them on time, every time, at least five dollars over the minimum and not only is my balance going down, my interest rate is going down as well because the interest you owe is based on the amount you owe.

I have also been given the credit limit raise I requested so that I could have the dental work I need to have done.

I am thankful that CareCredit gave me a line of credit with them... without it, I would have had to pay out of pocket an amount I couldn't even begin to afford and with more work needing done, I am glad to have their help.

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pinktrish
Dallas, US
Jun 03, 2016 8:18 am EDT
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I agree this company is very aggressive about getting all the extra money from you that they can. I've paid twice the amount of money I borrowed. Don't do business with them. Go to a regular bank or credit union. These people are a definite rip off!

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CareCredit billing / payoff procedure

Warning to all.

I am in the process of paying off my Care Credit card. As anyone would do I called Care Credit to get a payoff Ballance. My intention is to pay off this card tonight however when I called they told me that even if I pay off my ballance tonight I will still be responsible for the interest that would have accrued over the next week. I dont know about any of you but I feel if I pay off a bill that should be the end of it. No further charges should be incured. In addition to this the several emplyee's at Care Credit I spoke with were quite rude and when I asked to talk with a supervisor I was told I was the one being rude and if I did not change my tone the call would be disconnected.

Do yourself a favor and do not open a care credit card. You will regret doint it as I do...

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Jacina Sanchez
, US
May 02, 2022 8:31 am EDT

Pointless to get the app. You can do everything you need to as a guest. ***IF YOU WANT TO PAYOFF A PURCHASE don't depend on the company to automatically take payments and it's all good. They scammed my mom like that AFTER I bragged about utilizing CareCredit. The app won't let you so it's basically pointless to have because you can't manage anything lol. You will need to call into customer service and wait 10 mins for them to FINALLY SHUT UP and reach a representative. They are the only ones that can manage the pay off on your promotional purchases.

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6:07 pm EDT
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CareCredit customer service

Here is some info that might be of help to everyone. Most contacts with this outfit are actually to Client Development Services, a call center in Henderson, Nevada. These people have crappy customer service and won't answer email or complaints. If you send them a complaint, they block your email address so you can't do any follow-up. Here are some email addresses that you can try but don't expect any responses. The first 3 are the owners of this company and the last one is just one of their flunkies. [protected]@cdslv.com, [protected]@cdslv.com, [protected]@cdslv.com, [protected]@cdslv.com.

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Barry J
Burnsville, US
Nov 24, 2010 10:37 am EST

My agreement stated that I had until Dec. 9 2010 to pay off the balance. Well, I was down to $3280 on Nov.22 2010 and arranged to transfer the balance to Chase Bank but now before the transfer went through the balance has gone to $4237.93! There is no explanation visible on the website for this $957 increase, but I assume that Chase notified them that the transfer was coming and they hit me with a ridiculous interest rate and fee before it was applied. Their actions are criminal in my opinion, and from what I have read here it is their common practice. So, beware do not finance anything through GE Money Bank. I never will again and intend to make complaints every way I can--attorney generals, BBB, finanace and trade commision--the works. I
The "credit card" they issued is "Comfort Credit" and my advice is finance your furnace through your local bank--you will get a much better rate, and clear cut policy.

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jetretry02009
box elder, US
Sep 18, 2010 7:44 pm EDT
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oh and P.S. carecredit-GEMB is not at all any part of that unknown company he listed. GE is its own company.. ya know.. general electric.. we arent owned by anyone we are our own companythank you

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jetretry02009
box elder, US
Sep 18, 2010 7:43 pm EDT
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thats all incorrect information. not where any of the many call centers are located. not correct email addresses

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Magda Ramirez
Brooklyn, US
Aug 13, 2009 2:13 pm EDT

this bank have call me telling me i old tham money for a cridit card which i never have. and i told tham i did old tham any thing they stop calling me thank god.

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CareCredit misleading

Here is some information that might be of help to many. Although CareCredit is a GE Money Bank product, when you talk to someone concerning this, from start-up to now, you are NOT talking to anyone from GE. You are talking to a call center at Client Development Services in Henderson, Nevada. These people work for bonuses and will tell you almost anything to get your money. DO NOT TRUST THEM! If you check with your financial instutions, you can find many who will help your patients and it will cost you nothing. Plus you will be dealing direct and not with a person in an independent call center.

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Update by Molly Roth
Aug 13, 2009 1:10 pm EDT

What CDS is doing is training you to screw your patients. Look at all of the complaints, both here and on many other sites.

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L Dora
, US
Aug 11, 2009 8:20 pm EDT

i was surprised to see this. our aesthetic practice (asps/board certified cosmetology) has been with carecredit for over three years now. i don't know about their bonuses but the people at client development services (i hadn't realized they were in nevada) have never asked anyone at our office for money. they have, however, helped train our staff and we have a person there who regularly calls us to keep our office up to date on program changes, new promotions, etc. they have always been very helpful (esp terri). what happened with them that you didn't like?

CareCredit In-depth Review

Overview: CareCredit is a leading healthcare financing company that provides a range of services to help individuals manage their medical expenses. With a rich history and background, CareCredit offers a user-friendly website that makes it easy for users to navigate and access the information they need.

Services Offered: CareCredit offers a comprehensive range of services to cover various medical procedures and treatments. Whether you need dental care, vision correction, or even veterinary services, CareCredit has you covered. Their coverage areas and specialties are extensive, ensuring that individuals can find the financial support they need for their specific healthcare needs.

Application Process: Applying for CareCredit is a simple and straightforward process. The website provides a step-by-step guide, making it easy for users to understand and follow. The requirements and eligibility criteria are clearly outlined, ensuring that individuals know if they qualify for the service. The application approval and processing time is efficient, allowing users to access the funds they need in a timely manner.

Financing Options: CareCredit offers a variety of financing options to suit different needs. The website provides an overview of these options, including information on interest rates and repayment terms. The flexibility and convenience of their payment plans make it easier for individuals to manage their healthcare expenses without causing financial strain.

Accepted Providers: CareCredit has a wide network of healthcare providers and facilities that accept their services. The website provides a list of these providers, ensuring that users can easily find a provider in their area. The accessibility and availability of providers in different locations make it convenient for individuals to receive the care they need.

Customer Support: CareCredit offers excellent customer support to assist users with any inquiries or concerns. Their customer support channels are readily available and responsive, ensuring that users can get the help they need. The website provides contact information and hours of operation, making it easy for individuals to reach out for assistance with account management or payment inquiries.

Benefits and Rewards: CareCredit offers a range of benefits and rewards for cardholders. They provide discounts, promotions, and special offers that can help individuals save money on their healthcare expenses. Additionally, using CareCredit for healthcare expenses comes with additional perks and advantages, making it a valuable service for individuals seeking financial support.

Transparency and Fees: CareCredit is transparent about the fees and charges associated with their services. They provide a clear explanation of interest rates and repayment terms, ensuring that users understand the financial obligations. There are no hidden fees, and CareCredit strives to provide a transparent experience for their customers.

User Reviews and Testimonials: CareCredit has received positive user reviews and testimonials from previous customers. Overall satisfaction ratings and feedback highlight the quality of their services and the positive experiences individuals have had. Real-life experiences and insights from users provide valuable information for potential users.

Conclusion: In conclusion, CareCredit is a reliable and valuable healthcare financing option. With a wide range of services, transparent fees, and excellent customer support, CareCredit provides individuals with the financial support they need for their healthcare expenses. The positive user reviews and testimonials further validate the quality and value of their services. For individuals seeking a convenient and flexible way to manage their medical expenses, CareCredit is a recommended choice.

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