CareCredit
Reviews and Complaints

I went to LaserAway in Santa Monica, CA on Wilshire asking about laser tattoo removal. The clerk began telling me about Care Credit and how if I signed up and purchased a package of 10 laser tattoo removal treatments they would be cheaper than buying 1 at a time. I don't know why I went through with it, but I walked out after charging almost $6, 000.00 to this Care credit account. After 2 treatments, I decided it was a bad investment and wanted to stop treatments. I was told I could exchange services and try something else. I decided to try IPL photo facials and a cellulite treatment called Velashape, which I learned right away is BOGUS. A package of 6 photo facials is $1, 800.00. A package of 6 Velashapes for abdomen and thighs is $4, 500.00! I should never have done that. I got one only each of these treatments and realized I made a mistake. Then I got laid off my job. I begged and begged LaserAway to refund the unused treatments, but they said there was a no refund policy. She finally agreed. I received the information and am even more upset because the price of each single treatment is much higher than when they were in a package. A single photo facial is $350.00, but when you pay for a package of 6 it comes out to about $300.00. I am stuck paying $2, 250.00 for 1 velashape treatment that did absolutely NOTHING! I am basically paying almost $2, 600.00 for ZERO results! I am so upset.

Another disgruntled Lifestyle Lift patient! Scarring, ectropion on my eye that will required at least one other surgery, infection in my incisions, and more. No follow up care from LSL and there's no chance of talking to the doctor. Always unavailable. Of course, the receptionist is always willing to give you her opinion of what she thinks you need to do. "More vitamin E". Quoted one price and charged my credit card another. Extra $1, 000.00 charged must have been their tip. Never get a straight answer about anything after surgery. Everything is normal. LSL sucks!

You are so right! I am glad that some folks are reading my posts. They think "Oh this would never happen to me"! Well, there is way too many folks that are having problems. And you are right about having a hard time about getting your deposit back. I don't know what state you are in, but I would go to the office in your area and tell them you are going to sit in the front office and "TALK" WITH OTHER women and men that are waiting and review the information that you have found on realself.com and of course here. I bet you get your refund. They do not want anyone to disrupt business as usual. Thanks for posting!

WOW! Like Scarry Wild ...Unbelieveble ...People Read!
Please keep these coming. I almost done this in Houston and am trying to get my deposit back. Now I see it will almost be impossible. I have read so many of these horror stories around the whole United States. Why are these quacks still practicing Frankenstien proceedures? People! Read! Do Not Do The Lifestyle Lift! And do not go for a conseltation because they will pressure you for a deposit and then NEVER return your money if you change your mind. And if you get this proceedure...You WIll Be Sorry..because ...they just say "Sorry" .. and you are stuck with more doctor bills to help you with pain, scars, infections and sounds like you will have to get FIXED afterward before you go out anywhere in public. DO NOT DO
THIS!

Anyone that has had a bad LSL experience and needs help please contact: 1-888-LSL-SUIT. This is the new 24/7 call center number for LSL Men & Women who have had problems and would like their voice to be heard!

Care Credit here in Atlanta refunded a lady that I know entire amount that she paid including interest because she was able to show harm that was done to her, kept all her medical records and follow up doctor visits with other doctors for the issues that LSL caused her. Best to all ABB

I have similar issues with those Care credit guys. I hope they go bank rupt for the abuse and the stress they put consumers under. I can not beleive those credit agencies allow GE Money bank to enter disputed accounts as late and mess up our credit.
they are very disconnected internaly. I once got the judegment then the dispute forms!
I stooped the payments and they keep adding interest. I am waiting for a court order someday and I am lucky to be able to have enough cash and low interst rate before this.

I accidentally had my bill pay set on Pacific Standard Time and they are an Eastern Standard Time company. Therefore I was late paying my bill by a matter of 3 hrs. It was definitely my mistake but they were not at all understanding when I called, and were very robotic in their answers. They would not stray from their resolute answers, and even tried to upsell me on a protection package! I do not recommend dealing with his company, they do not treat you like a human being. Their lack of empathy and judgmental attitudes make me angry just thinking about it.

I tried to pay aggressively on my CareCredit last month, and their website deleted a "0" on my checking account. The company never telephoned or e-mailed me of the problem. They instead charged an additional $58.00. When I asked to speak with a supervisor I received without a doubt the rudest person I have encountered in customer service. "Dawn" would discuss nothing with me, and threatened to disconnect because I asked her name twice: "I already gave you my name at the beginning of the call" she tells me..."I am the highest person you can speak with on the phone."... I asked her for an address to complain and she again threatened to hang up on me..."I am going to disconnect."...Where is the phone courtesy of letting the customer hang up the phone first? Not to mention the outright customer abuse, financially and otherwise.

Does anybody remember the line from "The Rainmaker"? Well, GE Money has got the insurance / customer services runaround scam down.
I wired my final payment to them (over $9, 000) for my CareCredit account within the 4-day grace period to avoid exorbitant interest charges. They acknowledged receipt of that payment to my bank. They then proceeded to spend the next four months harassing me with phone calls, 4 - 5 times / day, and letters to my home a couple of times per week. They attempted to tack on late fees on top of the phantom interest charges. I am sure they were hoping that I would get tired of their harassment and just pay the money. No go Joe.
I called customer service four times and even had them send a letter in early January to confirm that I owed them no money. They did not want to do this and even aid they could not. I insisted that they do so, asking for a handwritten letter signed by the representative if she could not generate one through the system. I stayed on the phone until I was 100% assured it was sent. I received that letter on 1/6 and have it in my hand. Funny, I received a letter that they claimed at first that they could not generate.
The final straw occurred today when I received a call from a vulture-like collection group within GE Money (outsourced to India, BTW), where Is poke to an inept customer service representative and then her supervisor, named Calvin. He proceeded to call me a liar and, even though I read the letter to him, insisted that I send the letter to him via fax or mail even though it came from HIS company. I demanded an apology, which he did not give to me.
So, back I went to customer service and then again to the same vulturous collections group and finally got a rather terse, but helpful U.S. representative who claims to have cleared out the account. We shall see.
After more than 10 hours of work to get this cleared out, if it happens again or if there is a blemish on my credit score, they will be sued. Does anybody know if there is a class-action suit pending that I can join?
I have let all my health care providers know about their scam and at least a couple have stopped offering the service to their customers. Be warned...DO NOT use this service unless you have lots of time to spend correcting their mistakes or good legal representation on retainer.

i am too... i just talked to the rep and he said that the due date fluctuates so my automatic bill pay did not work! ###ing thieves!

I am so glad to hear that I am not the only one who has had this horrible experience. I never could get a person that could help me- phone or mail.

Same problem..."Dawn" never sees the light!

Care credit just put a $12,000 charge on a card I did not know I qualified for or received. The charge is for treatment from a chiropractor treatments I never got . I had canceled the tearipy session after I went to 2 treatments found out company was not doing treatments right . But the Doctor got my credit card number before I new I had a Care Credit card and put this charge on it , I found out a month later when I got a bill with fees and interest. Then care credit offered to take $6,000 for treatments I never received . They call me every day . I need help , I will join a class action suit . We're do we turn for help against this terrible Care Credit .

I to have been paying care credit for well over a year with a starting balance of $1800 and a current balance of $1649. After a year of payments of $120 per month! There is no effin way they are calculating that right. And I think they have a deal worked out with the vet to charge more when using their card. I have two dogs and one needed teeth pulled. I used care credit to pay for it. Nine teeth pulled $945. I couldn't believe it was so much. A year later took my other dog to a different vet and had his teeth cleaned and they charged $75. It off curiosity I asked what it typically costs for teeth to be pulled. They said the x ray roughly $60, $15 per tooth anesthesia roughly $60. That doesn't come out to $945. I explained why I asked and she said yes it sounds like they scammed me. They need to be punished for this. I can't pay $120 a month for the rest of my life. Any help with class action lawsuit info would be helpful

PLease include me in the class action lawsuit Im filing a complaint with the state department of finance becasue their reducing of credit lines dstroyed my husbands credit and DTI they need real consequences

You have to love how Care Credit lowers your spending limit without notifying you. Therefore if you still owe anything they can hit you with outrageous interest fees. Then when you finally get your balance paid in full and save the card for emergencies, low and behold you find out that even with a card continuously paid on time and paid off they close your account. Then that leaves a mark on your credit score. Again something they done without any notification whatsoever. Then say it was based on a credit search.

I'm with you. I just realized they've been charging me interest even though I paid off the promotional purchases in time because I didn't contact them to tell them to apply the lump sum payments to the promotional purchases.

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 nicoler12090@gmail.com

Has any of this info been updated about a lawsuit towards them these comments or complaints are outdated please inform us as of 2021 complaints

I'm disabled and one SS. Every mouth I made my monthly payment plus extra. Seems my balance never goes down but increases more. I have called them and get excuses with no help. I only had a tooth pulled for $1200 but with all the charges zi now owe over $4100
This bank is horrible and scamming everyone.

We have received a determination of eligibility letter. My husband had oral surgery that at the time we had no dental insurance so he was talked into this care credit it seemed forever that we were paying on this thing then I need to go to a periidonist which that bill was going to be $900 + so I paid out of pocket $500. The rest was on care credit & was told back then I had 3 months to pay it. Between the 2 of them we are still paying on the. One question how do you determine the date of question. I do have statements coming in now that say until it is pId. What's with that?

I have a prepaid card through them that my paycheck is deposited to. They took it upon themselves to file a ### dispute that I never authorized, and suspended my account pending a new card. At 2pm on payday January 3rd. I could not get gas to get to my child's school to pick her up and they called DHS. I now have a shutoff notice for my phone and power, and have been told I will not receive a card until the 17th. I was never notified, and have no money and no family in the state I live. They refuse to do anything. I don't have any idea what I need to do. I want and need MY money. How could this be allowed to happen?

My son had to have extensive dental work and took out a CareCredit card. The dentist didn't finish the work, but the full amount of $10, 000 was on the card. Ok, so eventually the work will be completed. Son kept up payments on time and continued the dental work. After a few months and on time payments, the bills stopped coming. He called GEMB-they said they've been sending them. Well, they weren't. He set up appointment to speak to financial person at dental office - she cancelled appt. He has asked for print out of all work performed, what insurance paid to them, etc. Has never received it. They are just as bad as GEMB. So, now he's hasn't received a bill and it's in collection. The woman he spoke to laughed at him when he said they didn't send bills after he called and asked for them. They have an unknown address on his account and his name is wrong also. So, now the balance is 20, 000! His credit is ruined. Is there anyone who has sued; is there a lawyer someone can recommend? In So. California? This is a nightmare. I've heard that FBI, attorney general, and even the state insurance commissioner along with consumer affairs have taken complaints. What should he do? Thanks.

I looked at my credit report this evening, and my experian score tracker has gone insanely down due to GEMB, which I later found out was GE Money Bank. I took out a CareCredit card, and used it shortly after, but I haven't missed any payments, etc. GEMB to even affect my credit score? What is going on here? Has anyone else had this kind of issue with these idiots? I'm going to find out more soon.

I took a look at my credit report today, and GEMB is listed on there for 3/7/2011 and 2/7/2011, and I have NO IDEA why this is! I am just starting to get my credit back on track and BOOM! this happens. Any advice on how to get rid of them and off my credit report?

you know..speaking of pets, a friend of mine had to get this card when his dog was dying...and they said they didn't get his check. he uses money orders. getting someone to trace a money order is like asking the feds to pay our personal debts off...not gonna happen. so anyhow... yes the animal care cc is lies too

Not entirely sure if this is the right post...but I have a Lowe's credit card with them. My issue is with the payment protection. I have filed 4 claims in the last 18 months. They "never received" my paperwork. When you call for the insurance to pay after you've lost your job, they say that they don't have a specific turnaround time. I was like "for real?! It could be one month, could be 4?!" she said yes. I've mailed it, faxed it, mailed again, and the last letter said I don't qualify cuz it's been more than 1 year. Nice. I've contacted a lawyer and will contact more when I wake up tomorrow.

May God forgive them for thy will pay for there sins what are thy who feed on there fellow Humans

YOU ARE ALL RIGHT ON THERE THE LOWEST OF THE LOW

Paid off my always-on-time Care Credit card on June 9th this year. Never missed a payment, been late, or otherwise. They EVEN had my auto-draft to the account to take the payment themselves. on June 1st, I had already paid my minimum amount due plus an extra $70.00. So, naturally when I logged on to the website to pay off the entire balance, I thought it would show me the ENTIRE BALANCE. Right? Not so! The balance owing said $332.92. Random number, right? Paid it off, tra-la-la, off I go down the road to a 700 credit score (or so I thought). Tell me why did these SCANDALOUS b*st*rds decide to charge me an interest charge on the 9 days I had a balance AFTER the fact - and never sent another bill nor made a phone call to ask for their PISSY little $10.10? Not another statement (because obviously had no balance DUE, right?) not a PEEP from them. Guess it was not high enough owing to matter to them? Naturally, now in September when my credit score has dove almost 1oo points because these jerks have reported me late for two months - I call them to see what is up. Not one of the people I spoke to could speak clear english, leading me to deduce that they were located at some outsourced call center in India...and when I asked NICELY if it made sense for someone to pay off ALL but 10.00 of their credit card bill...they agreed with me but said their system said the balance was $343.02 and would not fix the credit reporting - stating that it could NOT be fixed. Um...HELLO - obviously you don't know this because you are not from my country but if YOU report the WRONG amount DUE, leading ME to pay the balance INCORRECTLY, then its YOUR mistake and therefore you CAN tell the bureaus to correct my report. I pointed out that I was a great customer, paid on time every month for a year, and paid off the card twice...and that we were talking about a ten dollar balance, not a hundred dollar balance...and did they understand that the credit score hit I have taken from this was affecting my life in HUGE ways (cant buy a house now, thanks so much, folks)...they did not care...didnt even TRY to care...NO HELP whatsoever. They told me they would show the account paid in full...WELL DUH STUPID - it IS paid IN FULL. WTF is wrong with these people? I wasnt asking for a lot, was I? My score is now at 565 thanks to them, and had previously been at 624. Don't really know what to do because I can't find an office in the USA...to talk to someone HERE...

I commend you! My dentist recommended Care Credit and apparently knew nothing about it. I was told the interest rate was 0%. I cancelled the card without using it and changed dentists. Unfortunately, the new dentist had the brochures in his waiting room. I plan to tell him about this website. Again, I commend you for caring about your patients beyond what is reflected in your accounts receivable.

We have had Care Credit for a year now. I have never had to pay any interest since I have always paid off the balance before the promotional period ends. Make a purchase, make monthly payments through GEMoney Bank online, and there are no harrassments. I continue to use my card, figure out what the monthly payment for that purchase needs to be to be paid off during the promotional time, and my outgoing debt obligation is the same as if I would have paid cah for the services since I do not have to pay interest. I also get a boost in my FICO score by continuing to have a balance and make monthly payments.
If you take care of how you use the card, and be responsible about paying it every month, esepecially online to get a confirmation number, you can have a great card to help with larger expenses, boost your credit, and help balance your outgoing finances every month.
Care Credit is a great tool IF used wisely.

Why don't you pay online? I made all my payments to them online. I had no issues.

I am furious with Care Credit. I have never had a credit card that got mad when you overpaid. First payment was $25 and we paid $200 so I didn't pay the next month. Any credit card I have had just credits you. Well it turns out no matter how much you overpay you are still expected to pay the monthly minimum. I argued and was refunded. Now in Oct. I made a payment on the 6th and the date due was Oct. 27. I made another payment Oct. 30 for my Nov. 27 payment and I have received more than four calls a day informing me I am late. Even though I am not late they don't seem to be accepting that payment for Nov. They are just counting it as an extra payment and now they expect me to pay a late fee.
I am furious with this company and would like to know if I complain to the Better Business Bureau.

I know what you mean. My interest is more than I owe on the bill. I am on a fixed income and well got to have a roof over my head. Sorry my cat up and got sick then died. Come on over $800 due now, $300 or more in intrest. Ha! Good luck, I'll pay what I can when I can. Its not my fault I am where I am financially, I worked all my life and this is what happens when you can no longer support yourself cuz somebody is too obsessed over the all mighty dollar that even physically assaulting someone over money seems to be the right thing to do.

I really think an attorney should get involved with this company. They are doing illegal practices and completely misrespresenting their services.

I am going through the same thing right now

I appreciate Care Credit. I am on Social Security and can't afford the dentist. I need work and it is on my front tooth. I'm willing to let the back go but was horrified when my front tooth chipped and almost immediately started getting decayed. With my low income I was pretty shocked when I was approved. It's for only $800.00 which from experience probably won't be enough but it's a start. I'm hoping to find a dentist that will have financing suggestions. I at least have hope. Be careful with the no interest for any amount of time because if you don't pay your account off when they tell you too--you will get a balloon payment for all the accrued finance charge since you first started treatment. READ the terms and condition always. If don't---don't cry when you get hit with the consequence. If you can get a lower interest rate with another credit card company then do it. I can't tolerate people that bad mouth a company because of their own mistakes. Care Credit has rules. Follow them---they are not that hard. If you don't, it's your fault. I can't afford the dentist and because of a turn of events--my credit is bad. If any credit card company extended me credit again, it wouldn't be for very much and their interest rate would be even higher. And Nicole--if you really don't know why you were denied---call and ask! Dentists are very expensive and want their money at the time of service. Most people can't afford them even with dental insurance and need to use a credit card to pay them. It's the dentists that don't care and have no problem refusing service until the patient figures a way to pay them in full each time.

My husband and I work and we do not have Dental Insurance! My husband works two Full Time Jobs and I work part time. We also have a daughter. Care Credit stinks because their interests rates for both of our cards are 29.99% you do not want an account from Care Credit! My husbands account went to a Collection Agency and now we are paying almost 600.00 a month. Listen to everyone's reviews! Stay away from Care Credit!

I can not stand this company! They are RUDE! THis company needs to be shut down..Horrible! Bad customer Service! I hope they rot in hell!

Not trying to be rude. They are letting people borrow money do you actually believe they don't have something to get out of the deal? The interest rate is about 22%. They have to make money somehow. If you can't pay them back then don't borrow money or it will be very hard on you paying them off. They basically go on your credit score. Even if you are making a low income say like $800. YES it is hard to keep a good credit score. I had one till I co signed for someone, then their car got repo. I didn't have enough money for 2 car payments plus other bills. I also have kids so that gets pricey ALone. WOrd of advice if you can't take over the payments if something goes wrong don't be a co-signer! I had a almost 700 score I don't even want to know how bad it is now.
Well Care credit They let me get a card I have to get $2500 worth of teeth work done.
ANother word of advice for nursing moms don't nurse unless you take your prenatal vitamins. I had good teeth till then. The baby pulls all the calcium out of your body. Why don't we even listen to our mothers? I am thankful they let me get a card. My mom has a card they never gave her problems. You can use the card for denist and the vet too.

BE HAPPY YOU GOT DENIED, THIS COMPANY IS RIPPING OFF THE CITIZENS OF THE U.S DAILY. I HAVE CLOSED MY ACCOUNT AND SPREADING THE WORD TO STAY AWAY FROM THESE IDIOTS.

Try brushing your teeth once in a while instead of blaming a credit card company for not letting you borrow money

Worst mistake I ever made. They are truly thieves, and there seems to be nothing no one can do.

Be thankful to God that they denied you (that rarely happens regarding Care Credit, let me tell you). Try other healthcare plans, like Blue Cross BS, but NEVER with Care Credit, or your credit will be ruined!

Nicole:

Read the other reviews on CareCredit. You do NOT want this account; they are major scammers. You will get charged for interest even if you make payments on or before due;t hey claim to have "lost" your payments even when you prove they have received them.
STAY AWAY! STAY AWAY! STAY AWAY!

They tried to rip me too. Beg borrow or steal whatever funds you need to to pay off original balance...no late late fees or interest. Send a CERTIFIED CHECK via CERTIFIED MAIL. Close any other links or accounts associated with these scammers. If they come after you, (which they probably will not because it will cost them more than you owe and they realize you did everything certified), have copies or your original payments, the certified check receipt and the certified mail receipt. This worked for me.

I have only one thing to say about Care Credit. They have very unfair practices. As a former cardholder, my account was up to date and paid off. I had a Joint Account with my mother. I had to have oral surgery to which I charged a little over $1700.00 on my Carecredit. I made payments then decided to pay the balance off in full. A month after I paid it off, just because I had not used the credit line ($5, 000) in over a month, they all of a sudden decided to close my account, for no good reason. And then they gave me some lame excuse saying all of a sudden that I no longer qualified for credit from them and that was AFTER I paid the balance off in full. Excuse my french but that is BS, and very unfair, like my money isnt good enough for their damn company. They then gave me another lame excuse saying they had to close my account because we both had to re-qualify? WTF? why? My account had been open for a year and a half and now they were saying we did not qualify and my mom was making $5, 000 a month and I am Self employed and making about 1000.00 a month. The people who run this company are nuts. If 5, 000 a month all of a sudden doesnt qualify me for a credit card then there is definitely something wrong with their thinking. Either that or my money just isnt green enough for them.

And Now that I am making even better money, I cant find anyone to give me any credit to have my teeth fixed and I need oral surgery bad and I have to have IV Sedation to have my teeth worked on. I need all of my teeth taken out and I need dentures, the kind that snap in. I have a very bad credit score because of bills I havent ;paid from years ago. If there is anyone reading this that knows of a company that would be willing to work out some payment arrangements with me as far as financing for oral surgery or dentures goes, would you please contact me at : kayerobinson1@yahoo.com. I am in the Tacoma, WA area. I am a female.

Jared, you are the IDIOT, you mooron! I guess you've never fallen on hard times...your day is coming...just keep living.

CARE CREDIT SAYS CLIENT CAN PAY ANY AMOUNT EQUAL OR MORE THAN THE MONTHLY MINIMUM. IF THIS IS THE MINIMUM, THEN NO OTHER CHOICE.

unfortunately, thats not how credit cards work...just because you cant afford your monthly payment, that doesnt mean creditors should bend over backwards for you and make the payment lower for you just because that reason, being unemployed is hard, unfortunately, amex, discover, visa, and even mastercard dont give a crap if you cant pay your bill. and what gives you the right to sue some one because you agreed to pay a specific amount (3% of the avg daily bal) which is lower than most creditors...(3.5% - 4% avg daily bal). care credit should be the one suing you...what the heck is going on through your idiotic mind?!?!?

You actually did not need to read the small print on the back it says on the first page of your statements when your payments are due and that you have to make atleast a minimum monthly payment and have your promo bal paid off by the due date in order to not have the finance charges added. It kills me how many people are so quick to point a finger but then admit that they did not read their statements. Its really not that hard.

If it makes you feel better, they got me for over $2000! I should have read the fine print. In this case, it was a 2 year interest free loan with GE Money for a Sleep Number Mattress. I had a baby and missed the final payment by one week. I didn't realize at that time that they then get you for ALL 2 years of finance charges. I was considering using CareCredit for dental work I need done but as soon as I read complaints like yours and learned they loan through GE I've decided I'll just have to come up with the money another way. Mind, that was $2000 in just interest. My stomach hurts just thinking about it.

I HAVE FILED A COMPLAINT WITH THE BBB FOR FINANANCE CHARGES FOR BEING LATE ON MY LAST PAYMENT. I PAID IN FULL TWO WEEKS LATE OF MY CUT OFF DATE FOR FREE INTEREST. YOU ARE NOW CHARGING ME $786.00 FOR THE INTEREST OF THE WHOLE LOAN INSTEAD OF INTEREST OF THE REMAINING PAYMENT OF $381.50
MY ACCOUNT # IS [protected] MARIE JULIAN

**To expedite a response, please provide Reference code DM 080613_cb_Kathleen**

I’m sorry you have experienced issues with your GE Capital Retail Bank account. We would like to try and resolve your concerns. Please email me at gecapitalcares@ge.com with your name and phone number. A member of our consumer advocacy team will call you to assist.

For your security, please do not include your account number in your email.

Regards,
Nicole
GE Capital

I just got this credit card and want to use it in 2 days. After reading all the bad comments, I'm afraid to use it.

I have a few promotional balance with different end dates on my care credit card. I have been paying all along and my automatic payments have been going to the one that ends the soonest, until today, the first one ends in a week so they applied it to one that ends later forcing me to pay extra to pay off the soonest one. I will call when they open Monday but from last experiences with this company, they will not be able to reapply the payment to the correct charge until next billing cycle. That would mean I wouldn’t have paid in full and they can charge me all the back interest. No way, I will use my line of credit if I have to and pay the whole thing off rather than screw around with this company anymore.

l feel that l am being ripoff everytime my balance goes down payment goes up, what a rip off l'll never deal with care credit, once my balance .

They are horrible so deceptive the "promotion purchases" is a complete scam. Those transactions are treated separately so you should be making multiple payments each month one on regular transactions plus one for the "no interest for a year" transaction! They don't explain it at the Dental Office or Vet just would you like zero interest for one year? This company though the name changed needs to be sued AGAIN!

This company is charging over and above the amount. The account was for 18 months or 24 months from a dentist office. I called them for a pay off balance in july. They gave it to me. Then i got a call after it was paid saying i owed another amount. They were going to charge me interst for a paymrent deferred payment. I spoke to them and they said if i paid them over the phone $292.33, i would be paid in full. Now they say i owe $876.86 again. Then i called back again and they said i still owe them $ 150.00 today i got a bill from them saying i still owe $ 876.86 again ! I am not going to pay them money after i paid them off august 18th 2009

WOW ... this company truly redefines the old "carpetbagger" definition. Unbelievable. In this economy, in this day and time when so many people are struggling just to keep their jobs and their homes Care Credit finds it appropriate in their business practice to charge a 19% recurring interest. So they send you a monthly bill for $22.00 on a balance of $650 but little to so many unsuspecting consumers realize that out of that $22.00 being paid, 75% of it is going towards their finance charges. In the end, a balance financed of $500.00 ends up costing twice as much.

I tried calling this company to resolve this issue ... shortly after I lost my job. I spoke with Kelvin who purported himself to be a supervisor. He offered a 3 month payoff with interest still accruing but said that the account was closed. I had a balance at the time of just of $500.00. This was 3 months ago. I got a bill today of $810.00 ... which was fed by the insane interest charges that they apply each month.

I am still waiting for this illustrious 3 month payment plan that the supervisor, Kelvin, offered but ironically (and typically) when I call no one knows what I am talking about.

I submitted a complaint with the BBB today ... we will see what happens. But I warn anyone out there who is looking for an alternative to pay for the rising costs of "out-of-network" or "out of parameter" medical procedures to beware of Care Credit. Don't get caught with their application and pen in your hand for you will be signing away your savings.

OK, so last month I called in to do a payoff, I was told I wasn't qualified ( because I have never missed a payment...bad customers apparently get the good programs) to do it so I was offered a 4 year program with no interest and a payment of 100 a month. I ACCEPTED because I thought it was a great alternative to what I had. I get my statement and it doesn't reflect any change. I called back and was transferred in a black hole of unhelpfulness. I was put on another "program" that offered a 10% APR (which is normal) for six months..(seriously..how the heck is six months going to help me) I did not ask to be put on this program and it was never offered to me...an "account manager" who said they were bringing my case to a supivisor and they would call me back put it on my account without even talking to me. I found out when I called back because I never received a call back like I was told I would. This is a not good business practice...apparently if they take me off the program they can't put me back on and since this is the program they put me on they can't give me the one they originally offered me. So basically they *peep* *peeped* me behind my back so they didn't have to give me what they originally promised. SO corrupt. I originally began using care credit because I had upper and lower jaw surgery and needed to have some exstensive dental work after the surgery and didn't want to look like an alien because I couldn't afford the work. I used the program and paid they payment the requested..little did I realize they weren't requesting the correct amount for a payoff and because I was a thousand dollars shy of my payoff they put over TWO THOUSAND dollars of back interest back on my loan...:( I could cry typing that. This has been such a horrible experience and Care Credit's lack of support or real help has only made the experience so much worse. I honestly haven't even touched base at all the trouble I have experienced with them.

This card was suppose to be design to help pay for medical expenses. They are a RIP OFF. my monthly min. due is 123.00, they charge me over 100.00 a month in interest for a 4, 000.00 bill. This is an onging thing that you can never pay them off. They include a phone number on the statement to help you pay your bill through consolidtion. Once you sign with their choice of colidation, they refuse to accept it and then they chage you late fees for sending in the amount the consolidator ask...Then they have people to harrass you from 8am to 8;55pm. Most of the people do not speak English clearly; yet have the nerves to threathen you.TOTAL RIP OFF. FOR YOUR OWN HEALTH DO NOT SIGN UP WITH GE MONEY aka CARE CREDIT

I accidentally incorrectly entered one of the numbers on my checking account for the auto pay feature. They never contacted me to tell me my payment did not go through. The first contact I had was with a collections agency telling me I was past due and my interest rates had been raised from the 2-year interest free plan to 30%!

DO NOT USE CARE CREDIT!
This company is a spam! They get you to open the card at 0% for 12 months and they tell u that everything after that is deferred interest! Well if you're not familiar with that term, I'll have to say that it's basically the modern way of stealing money! After your 12 month is over if your balance is not paid in full, they will hit you with a huge ridiculous amount with might even be more than the balance that you owe because they have been charging you interest since day 1 and they have been adding all the interests even if you paid your monthly payment and have applied it to you now! I have been a victim and I have a high credit score so when I called them they told me that I will have to pay that amount because this explanation had been in the fine prints! So I paid everything at once to not hurt my credit ut my advice to you is : That if you have to use your 20% APR credit card to pay for your medical needs do it because at the end, you will be charged less with your credit card than with care credit! Having this card was one of the WORST experiences in my life and I'm sharing this so you wouldn't be a victim!

The complaint is that Ge money sent the entire amount of the credit applied for for dental services that were being considered for work. However my wife did not have the work done by that dentist and the care credit place (GE Money) Sent the dentist the entire amountt and has been harrassing us and also sent bad remarks to our credit scores.

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?