CareCredit
CareCredit Overview
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
CareCredit has a 1.6 star rating from 141 reviews with mostly negative sentiment; 27% would recommend. Common themes in CareCredit reviews include billing issues, promotional period disputes, account closures, and poor customer service.
Key Takeaways for Future Customers
- Expect limited customer service access and long hold times.
- Watch promotional period terms closely to avoid deferred interest surprises.
- Monitor statements for unexpected charges and account closures.
Negative Feedback / Risk Areas
- Frequent customer complaints about billing errors and refund delays.
- Reports of account closures and credit reporting without clear notice.
- Allegations of fraudulent or unauthorized accounts and hidden fees.
Positive Feedback
Some users note convenience, approval for credit lines, and interest-free options if paid within promotional periods.
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
CareCredit has a 1.6 star rating from 141 reviews with mostly negative sentiment; 27% would recommend. Common themes in CareCredit reviews include billing issues, promotional period disputes, account closures, and poor customer service.
Key Takeaways for Future Customers
- Expect limited customer service access and long hold times.
- Watch promotional period terms closely to avoid deferred interest surprises.
- Monitor statements for unexpected charges and account closures.
Negative Feedback / Risk Areas
- Frequent customer complaints about billing errors and refund delays.
- Reports of account closures and credit reporting without clear notice.
- Allegations of fraudulent or unauthorized accounts and hidden fees.
Positive Feedback
Some users note convenience, approval for credit lines, and interest-free options if paid within promotional periods.
Media from reviews
![CareCredit - Locked out of GE Captial's [Care Credit] website!](https://cdn0.opinion-corp.com/review-media/pictures/c8/dd/43021/carecredit_locked-out-of-ge-captial-s-care-credit-website-20140709508199_c8dd-medium.jpeg)
Seattle, Washington
Reopen my care credit
Canceled my care credit, would like to open it back up, still making payments, have to take my cat to the vet, I just don't have the money.
- It helps pay the vet bill
- I have no cons
Preferred solution: Care credit
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerConstantly changing bill and charges
- - An unauthorized new CareCredit account was opened with new statements and a fictitious $500 charge; they are trying to affect my high credit score.
My guess is since my balance was getting low or being paid off completely, they had to devise a way to get more $$ from me so they opened a new account (two different statements and card numbers) which I did not request and never wanted. They then invented a $500 charge that never occurred (I have every vet bill and all other receipts from the only 3 pet-related vendors paid for with CareCredit).
None were exactly $500.
Now, they are trying to impact my credit score which was over 800 before dealing with these bastards. I have other cards and have never had this issue or anything like it.
- Not worth initial rate as they will bait and switch
Preferred solution: Full refund
User's recommendation: NEVER USE CARECREDIT/SYNCHRONY NO MATTER HOW GOOD THE INITIAL OFFER
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerScam and fraud
- - Never received CareCredit card or Diamond Braces service.
- - Fraud alleged; a fake receipt was provided after delays; complaints filed.
I NEVER RECEIVED CARECREDIT (CC) CARD. I NEVER RECEIVED MEDICAL TREATMENT THROUGH CARECREDIT.
DIAMOND BRACES (DB) FRAUDULENTLY OPENED THIS ACCOUNT. WHEN I FIRST RECEIVED THIS ERRONEOUS BILL IN 2021, I WENT TO DB TO CLEAR THESE FRAUDULENT CHARGES AND CLOSE THE ACCOUNT. AFTER MONTHS OF IGNORING ME, DB GAVE ME FAKE RECEIPT. I NEVER HAD ANY SERVICE FROM DB EXCEPT COMPLIMENTARY CONSULTATION REFERRED BY MY DENTIST.
DB REGIONAL MANAGER, DENISE PROMISED TO CALL ME BACK IN DEC. 2022. BUT I AM STILL WAITING. DB IGNORES MY CALLS AND EMAILS.
CARECREDIT IS FULLY AWARE OF THIS FRAUD.
THEY HAVE BEEN GIVEN PROOF MULTIPLE TIMES BUT STILL CONTINUE TO CHARGE ME AND OPENING MULTIPLE ACCOUNTS UNDER MY NAME AND SSN.
EQUIFAX HAS ALL PROOF BUT I AM NOT SURE WHY THEY DO NOT REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. DETAILED COMPLAINTS ABOUT DB AND CARE CREDIT IS MADE TO NJ BOARD OF DENTISTRY CFPB BBB ETC.
AGAIN I NEVER AUTHORIZED ANYONE TO ACTIVATE THIS ACCOUNT DB/CC NEED TO BE INVESTIGATED
- Scam
- Lies
- Fraud
Preferred solution: Refund all fraudulent charges, stop opening multiple fraudulent accounts on my name, clear incorrect and fraudulent information from credit bureaus
User's recommendation: Stay away from diamond braces and care credit scam
Oakland, California
Pissed off
- - It is difficult to pay the bill.
- - Penalties apply even if payment is on time.
- - Terms and services are hard to find.
They make it extremely difficult to pay your bill, They charge you penalties regardless of paying on time. I will never use them again.
Terms and services are difficult to find. Their model is predatory. I was able to cancel my full bill when i noticed the penalties.
I worry about people who are only able to pay the minimun payment. They
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerClosed my account
My account was closed after CareCredit due on a non-existent account. I have always paid this account ahead of time.
- Used it for years to support pet medicine
- Make mistakes
Preferred solution: My account reinstated.
User's recommendation: Don’t use them
Needed more personal help!
Keep after your issue, talk to someone live if possible. Don’t give up !
The normal card has been rejected at several places you claim you can use it because it doesnt have a chip. I only wanted a new card with it.
Guess its too much to ask. Jc
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerWarning others
- - Opened a CareCredit card years ago and paid in full.
- - Account closed without notice.
- - A rep said negatives exist on my credit, but not from CareCredit.
I opened a CareCredit card years ago. I made all payments; my balance was zero.
Without notice, they closed my account. I called and spoke to someone who didn't care. He advised that my credit report showed negative things, but not with them. Strange.
No one else closed my accounts. I actually have a good credit score. The only negative thing about my credit is these people closing my account. I did not ask to reopen it, and I will not.
If looking for a credit card, please get it elsewhere. The name CareCredit is very misleading.
- Will close your account just because they feel like it
User's recommendation: My recommendation is go with any other credit card.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerNot Caring At All
- - Longtime Care Credit user; maxed the card for dog's surgeries; $1,000 payment lowered available credit; Care Credit feels like another credit card.
I've been a Care Credit customer for years. I've never missed a payment and almost always paid off promotional purchases before they expired.
In the past year, my senior dog has been ill and has needed several surgeries, so I have maxed the card out several times.
A few weeks ago, I made a payment of $1,000, and Care Credit rewarded me by actually lowering my available credit by that much. They may talk about how caring they are, but in the end, they are actually just another credit card company.
- Accepted many places
- Decrease credit limit after balance is paid off
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerResolved: Hacer pago
Company fixed the issue and I have been provided with apology. Mi problema fue resultado muy satisfactorio
Nesecito modificar mi pago por el crédito obtenido recientemente y lo quiero vincular con la misma fecha del pago anterior gracias
Preferred solution: Conectar el pago del crédito reciente a la misma fecha del crédito anterior cada 7 del mes gracias
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerDishonest company. Disappointing customer service.
- - Stay away from this company and its affiliates.
- - Hidden fees, dishonest service, and an unreliable platform.
- - Do not give them your business or information.
Truly a nightmare! Stay FAR AWAY from this company and ANY of its affiliates.
Care Credit, Synchrony and ANY COMPANY that backs them should be an immediately A RED FLAG. Hidden fees, dishonest customer service, and an unreliable platform/website.
The list goes on and on. Do not give this company your business or information.
I PROMISE YOU WILL REGRET IT.
User's recommendation: Do your research, a personal loan with your dedicated or private bank would be better.
Walled Lake, Michigan
Closed my account
They closed my account because i was late twice, once by a day the other by 6 days. Screw then.
Bad thing is everything is owned by them. No notice until it was already closed.
User's recommendation: Spread the word they suck!
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerSelective Customer Service
- - CareCredit funds the merchant in full before any work.
- - Dentist died; refund impossible; user paid $11,999.
- - Advise saving money or seeking alternatives.
No response from Carecredit as yet.
First of all, a huge red flag and inconsiderate to the borrower is the fact that the funds are given to the merchant as full payment before any of the work is done. This is done through a method called upcharge where the merchant sends in a treatment plan stating that the work is completed when it is not. This is exactly what happened in my case, the result was, that the dentist never did the work due to sickness and the closure of his office, he bluntly told me he had no money to refund me and died soon after. I have disputed the charge numerous times with Carectedit for all to be resolved in favour of the dentist.
They were well aware of the dentist's inability to perform the work by a letter he sent them and which was furnished to me, but they elected to believe the dishonest dentist who defamed my character claiming that I was fretting because I did not want to pay them back their money. I was forced to pay the balance of the promotion to secure my credibility and lost $11,999 in the interim.
I will conclude that Carecredit may be useful for fast funds if your credit is good but their policies lean heavily toward money laundering and I will not have any part of them ever in my life again. I would like to advise others to try their best to save their money or try some other way than to get reeled into these cutthroat companies' practices that do not care about the patients but the merchants.
- Quick funds if credit worthy
- Merchant care and not customer cate
Preferred solution: Full refund
User's recommendation: Be very careful
"I am an older member of society" As if that means anything other that you're a drain on society. If you're going to pad your complain with irrelevant noise, find something else.
Replying to
Los Angeles, California
Got bill late, blaming me - Care Credit
- - I got a bill Saturday 3 pm with a next-day due date; they first said no late fee, then a letter claims late fee, higher rate, and credit reporting.
I got a bill in the mail on Saturday, March 8 at 3 pm. I got my checkbook out to pay the balance in full.
Then I noticed it was due the next day, Sunday, March 9. There is no way they would get it on time.
I called and they looked into it. Then I was told that they mailed it put on time. But because I always pay on time and this is the first time it's happened they would "let it go" and will not charge a late fee or increase my interest rate.
I explained that there has been a problem with mail, sometimes I get someone's mail and maybe someone got mine.
So, a few days later I get a letter stating that after their investigation they find that they mailed my bill on time and not only will they charge a late fee and increase my interest rate, they will report me to the credit bureaus!
I have excellent credit! This is ridiculous.
She kept saying that because it's a credit card they have to report it to the "big three."
User's recommendation: Just My Issue
If you were current on your payment, there is nothing to report. As long as February 9th’s payment was paid.
It has to be 30 days past due to be reported. That being said, their customer service is open 6am-11pm M-F and Sat-Sun 8am-10pm and will take a phone payment. You can also pay via the App or online. As far as them raising your interest rate, didn’t you say you were paying the full balance?
So that’s not an issue unless you use the card in the future. However at 32.99% interest rate and a 39.99% penalty rate you should look elsewhere.
Chesaning, Michigan
One of the worse customer service.
- - Applied; given a reference number with a 7-day callback promise.
- - Great score.
- - Could not reach anyone; 5 tries on automated system, no live support.
Applied for and my was given a ref, # that I would hear from them in 7 days? I have great score, but I couldn't talk to anyone as I tried 5x this auto b.s.
and no people to talk live with. Imagine if you have billing issues?
User's recommendation: go somewhere else
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerI called when I got the correct number. My payment was that due that day! So I paid it and now we’re on schedule.
Everything is fine. Once I got a hold of them the lady I talked to was very good and everything is good.
El Segundo, California
I am very disturbed about their hidden fee's
- - Care Credit Card; dentist got approval after denial as a new customer.
- - A $1,200 denture bill; balance near $4,000 with $75 secure card not used.
I used my Care Credit Card at my Dentist. Smile Care.
Dentist finanal person called care credit and got my approved Card Aproved for a huge amount of credit. What I requested a extra line of credit and was denided because of new customer. but when a dental astablishment calls then they approved . My bill was only $1200 for pop in partial denture.
1 year ago. now with interest and extra add ONS like secure card at $75. a month my card stand about almost $4000. and I haven't even used it .
I pay over $280. a month on card most goes to interest they say and the $75 ,a month stupid secure card. they should refund me several years of $75.
a month secure card. I don't need it.
User's recommendation: Don't get trapped , Check for hidden charges
If you had good credit you wouldn’t need a secured card.
About
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CareCredit is an American company. It is a GE Money Company. CareCredit is headquartered in Costa Mesa, California. The company offers a number of different payment options for customers to be able to get a brighter smile, better vision or fresher look. The company partners are American Dental Association, Society for Excellence in Eyecare and American Society of Plastic Surgeons. With the help of CareCredit, the patients can get such services as LASIK, vision care, med spa, cosmetic surgery, dentistry, veterinary medicine, hearing, and so much more. CareCredit provides a personal line of credit for healthcare treatment for the whole family, including pets.
CareCredit is ranked 66 out of 216 in Cards category
USA
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"paid this account ahead of time." Translation: By paying them before they can make a little money off of you is the dumbest thing anyone can do especially with a bank like this. Banks only have so much credit that they can offer.
Rather the provide you with interest free loans, they shut you down and moved your credit limit to someone who will use it and make them money. Before you start with the nonsense, Google what I said.