CareCreditReviews 

They refuse to take off wrong information they have caused and are causing my credit rating to drop.
I'm making payments ahead of time and they say I'm delinquent on my payments after a settlement was agreed upon.
They need to be investigated!

Had a good credit line, paid off a chunk, they lowered my credit limit, hurting my credit score. Then continued to make payments responsibly, finally paid it off, then they CLOSED my account. Hurting my credit again for being responsible and paying off my debt correctly. Absolutely worse credit card company ever. They ruined my credit for being responsible and paying off debt. Absolutely DO NOT USE!

The absolutely worst credit system. You should ever get they lie. It's what they say, whether you like it or not. Never used this. They scam you, they rip you up.

I have a promotional balance ending on April 4, 2025. I have called numerous times since the last of February as I was told to call and make the payments and have them applied to only the promotional ending balance. Every time I call the payment made prior is never being applied to the promotional ending balance. If I fail to pay this off by April 4, 2025, I will be charged in over $600.00 in interest. I have the money to pay the full amount, but I don't understand why it is a different amount to pay every time I call. I can never understand what the rep in saying. I live in North Carolina, and we speak English here, so it is very difficult to understand someone that speaks another language. I received $100 in Care Credit Rewards, and I attempted numerous times to get that applied towards the promotional ending balance and I was unable to get that as well. I was told to call the reward center and of course they put me off and sent me right back to care credit. I think they are trying to charge with the interest. I have been a member for years and when I pay this off, I will cancel my account.

We had an account with them for several years. No issue whatsoever with our vet bills and paying them off well on time. Then we quit using the card because we didn’t need it really at the time. Out of nowhere I checked my credit scores and they drop a few points for no reason. Turns out care credit canceled my account because of inactivity. It was probably at least close to two years since I used the card, but that’s not how you treat customers. My current credit score is still in the very good range, but canceling me For no good reason. It’s not fair or a good practice. Stay away from these people or you will regret it.

If I could leave 0 I would. I left a revie on their website but did not have enough space.
DO NOT APPLY FOR THIS CARD!
Firstly, their preferred financing^^ is very misleading and if you have a low interest credit card, it is better you use that! Secondly, the whole reason for obtaining the card was my cat was going into emergency surgery in 5 days and ON THE PAMPLET AND IN THE APPROVAL CONFIRMATION it stated that it could be used immediately without the physical card. However, I never received my full account number. When I called customer service they could would not help.

I had a $6500 credit limit, I was about $1000 short of the limit in Dec, I PAID DOWN to $2000, i.e. I paid $4000 in extra payments , NEVER LATE WITH A PAYMENT, NOW CARE CREDIT SYNCHRONY BANK IN THEIR WISDON, HAVE REDUCED MY CREDIT LIMIT TO $2100 ! WHAT THE HELL KIND OF GAMES ARE THEY PLAYING ! Oh I CAN REQUEST AN INCREASE ! ! THAT WILL PROBABLY LOWER MY CREDIT, SINCE THEY HAVE REDUCED MY LIMIT ! ! !

These folks are thieves. Yes it is nice to have a way to get dental done;however 30% interest is just thievery.

I suggest you secure funding from your financial institution as opposed to using Care Credit. I had to dispute charges at least twice in 12 months and their customer service is horrible. Save yourself some time and money and take your business elsewhere.

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.

Horrible people! I missed my 12 month financing by $147 and they charged me the full interest from the beginning- a whopping $669 charge- on my 13th month’s bill. I only had $147 left! Bastards. I was expecting to pay interest on the $147, not $2300 original charge. Completely unwilling to work with you too. I would have been better off with a regular credit card.

This credit card is a complete joke!! I charged an emergency vet bill, have paid triple the minimum on time every month and they've continued to lower my credit limit, which increased my credit usage which has now lowered my score 40 points!! I will NEVER use this card again, nor recommend to anyone!! I should've just charged a regular credit card instead of messing with this place!! They obviously know what they're doing when screwing with our credit reports and it makes Mr want to just not pay off the balance. Wonder if my score would go lower by much just letting it go into default.....I don't wanna give it any stars but have to give it at least one star, which is too kind.....

This company is horrible. Their customer service department does not listen to you and in fact if you attempt to explain something to them they hang up on you. I am not delinquent on my payments, but it bothers me that they decide how to distribute the payment among my different promotions. I wish I could say something positive, but I cannot. I would give them a zero if I could.

Garbage everything, STAY AWAY UNLESS YOU WANT ENDLESS DEBT

This Place is a Joke only credit card place that REFUSES to waive a ONE time late fee as I am human made mistake paid 2 days later and this Joke credit card REFUSED. DONT RECOMMEND!

They were no help at all. I have been a loyal customer for over 10+ years and have always made my payment on time, last month was the first one that I have ever missed and it was a bank error. I made a payment as soon as I saw it didn't go through, I made a payment for more then what was requested. After being a loyal customer you guys take my credit limit down from having 7000$ all the way to $600?? They don't treat their loyal customers great at all. I had a fertility appointment to try to have a baby this week and that cannot be accomplished now because of the hold they put on the card for 1 missed payment and because they took my credit limit all the way down to $600 when I thought I had more. They said they let me know via email but never sent any physical letter to let me know this?? I never got the email, it probably went to spam. It took me 6 months to get that appointment and now I have to cancel it with a penalty charge of $150. you guys are terrible!! 

This company ruined my credit score by cancelling my card due to inactivity. They did not notify me that they would close it or were going to close it due to inactivity they just closed it! They did nothing to rectify the damage the did to my score, they just offered me a new application, that would be based of my new score, lol. I will never do business with a corporation with no regard to the customer and ethics! So I won't be using Synchrony Bank credit cards anymore and I will definitely never apply for a Care Credit card ever again.

This company rips you off. If you pay off your balance, you still have to pay 2 more payments to be done. Crazy! They won’t credit you that last interest either. 2 payments of interest after you pay off the balance?! So it goes like this I was told. You pay off your balance, then the next month the interest that accrued you will get a bill for and you have to then pay that balance off. But wait! You’re not done yet! You then have to call them at the first day of the next billing cycle so you can again pay the interest of that interest! They won’t let you pay it off! They won’t prorate it, they want to rip you off. And that’s what they do. Don’t get an account with this company unless you enjoy being ripped off, again and again. Crazy rip off crooks!

Five years later they get a one due no courtesy information before closing my account. Was an issue with our bank not paying them through wife’s account. So instead of e-mailing or phone call or text they closed the account. Thanks care Credit for not letting me know there was an issue. By the way you have been paid through my Bank Account as of this morning and I’ll keep a check to see if the last payment from my wife’s account goes through , if not I’ll pay you through mine. Sad!!!!!!!!

This is a horrible company. I got a card with a certain limit to cover dental expenses. I had all my upper teeth ripped out and I paid for the extraction. Then CareCredit took away all my available balance. I had no teeth and no way to purchase the denture. CareCredit couldn’t give me a reason why. My credit score went up! Absolutely evil to take away someone’s credit in the middle of medical procedures.