I charged $5k of dental work. $1800 of the charges were not performed and the dentist agreed to refund my money until I refused to sign a release and a non-disclosure form for the quack dentistry I opted not to continue.
I disputed the charge and sent supporting documentation including a letter from the dentist stating he would refund the money. I received notification from Care Credit that they denied the claim. The representatives were useless and I paid up. I sent a demand letter to the dentist and filed in court.
The dentist did return my money for the services not perform. Care Credit would not, even after providing all that proof. Care Credit sucks.
They side with the Providers not the consumers. After all, it's the providers who peddle these cards to the consumers.