Synchrony Bank review: Beware of care credit

CareCredit is hands down the most frustrating, predatory company I’ve ever dealt with. I tried to make a payment using my only linked bank account — one that works just fine everywhere else — and they claimed it was “closed.” Then they hit me with a returned payment fee and refused to refund it, despite the fact that I never added any other account, and the charge never even hit my bank.

I contacted customer service, and it was like talking to a broken record. Just repeated “sorry, nothing we can do” while dodging any real help. No accountability. No logic. Just a smug wall of robotic replies and zero resolution.

They’re more than happy to charge fees and ruin your credit over their own screw-up. This isn’t a one-off — judging by other reviews, this is a pattern of behavior. They thrive on confusion, poor support, and buried policies.

Do yourself a favor: don’t ever open a CareCredit account. Just use a real credit card with actual customer service. These people are the payday lenders of medical financing