CareCredit Reviews 353

Worst credit you can apply for!! They basically rob your ass if you don’t pay off the first year!! Don’t apply unless you want to get taken advantage of and go broke cause of them

I have 3 accounts with Synchrony. All have zero balances and they arbitrarily closed one of the accounts without notification. They said it was due to high balances and credit score. They are all at a zero balance and my credit score is well above 700. Will not ever do business with them again.

It is very hard to find their phone number for one. Long wait times. Then when you get ahold of someone they are not very helpful. I pd off my credit card back in October and in January I found out I had Interest charges of $8.06. I called in and wanted to pay off the interest charges and close the credit card. They said they could do that but could not guarantee there would not be any more Interest charges and to check my statement next month. I said I am not going to keep paying these small amounts because you can't tell me what the final amount is to pay it off. So i get transferred to her "supervisor" . He says the same thing. Tells me they accrue interest by the day. I said well what is the total amount then from the statement date to today for the interest and I will pay that amount and close my card. Said he couldn't do that. Didn't know the amount for sure. But I could send a check of about $11.00 and probably have a credit, I said I don't want a credit. wouldn't let me pay that over the phone $11.00. We argued. I said then pay the $8.06 set it up on Auto pay and let it pay the next interest amount of $4.00 or whatever it is and then close the account. We can't do that ma'am you have to call in and close the account again i said FINE just pay the $8.06 and set it up on auto pay and I will call back in next month. So then he sets it up and proceeds then next withdrawal isn't till next month. I said NO you need to take the $8.06 today because you have already affected my credit score and then you can take the interest on the withdrawal date. It me about 5 times explaining this before he would do it. BAD CUSTOMER SERVICE and they DEFINETLY TRY TO GET EVERY PENNY OUT OF YOU. DEFINETLY NOT HERE TO HELP that's for sure.

Was forced to file for this card, my dog was hit while on leash right by my side. Took to ER vet, paid 8000.00. Neurologist wanted 10,0000 before looking at our baby. Found out our bank Customer Service closes 2pm, was Sunday. We wanted them to perform the mri while we went home to get cash. Handed cash to NeuroVet, we cancelled the card come to find out that vet charged that card. We’ve made multiple attempts to pay it off, get confirmation payment goes through, receive 2 emails confirmations, then they put charge back on. Since we closed/canceled the card, Care card never should have allowed to vet to post a charge a day later. Totally SCAM. Was on the phone with a supervisor who barely spoke English, still said wrong acct #, etc but I had my bank on the line with them and said it’s the correct account/routing and debit numbers. We tried both with these idiots. Please be careful using this company.

CareCredit is awful! The only benefit is that they do offer 12 months no interest if paid in full. If you don't pay it off in that amount of time be prepared for them to rape your wallet. They will constantly change how much money you can borrow on a monthly bases. I started at $7000 and now I'm all the way down to $1000 based off my credit report. This will change without you knowing. The interest is through the roof! I am know in the negative due to the interest they are charging me. I stopped offering carecredit to my patient because of my personal experience. DO NOT DO IT!

Beware when using Care Credit! If you have promotional balances, they will use your monthly payment to pay down the lowest balances FIRST before applying the payment to the balances expiring soonest. So, if you have a $2000 promotional balance expiring in 6 months, and a $600 promotional balance expiring in 12 months, they will use your monthly payments to pay down the lower balance first. Makes no sense! WHY would you want your balances expiring at later dates paid off first!! You can't change this either! You have to call them every single time you make a payment and TELL THEM how you want the payment applied! This is crazy! I will be paying off my balances and never using this card again!

I wish I would have come to this site before I had applied for this credit card to assist my daughter in paying for her wisdom teeth when she was unable to provide dental insurance. I had a payment date set up for processing and this credit card that I used for processing payments I kept enough funds to regulate my budget for payments that were being processed for credit cards and they would never pull the payment on time on the selected date and which I do not understand why you would have a selected date for the payment to be processed and not process the payment and then you want us cancel our cards saying we cannot utilize them because payments are inconsistent when in fact they are the onestaking payments inconsistently. This is the worst credit card and now I've tried to reconcile to pay this off and again they will not process the payment on the date that you select for the payment to be pulled on and now it's being sent over to a credit collection. Which I will never suggest anyone use Care credit and it's an all of the doctor hospitals veterinary clinics this is a scam it is an organized and inconsistent as stated in other reviews I have seen.

I would give a zero if I could. The worst. I applied online and was approved. When I went to the eye doctor, neither the eye doctor nor I could get the supposed virtual card to open up and provide the full number. Called customer service and another joke. Customer service said, sorry we updated our system and you now have to have the full card number and that you have to wait 7 to -0 business days for your physical card to arrive in the mail. That does me no good today, I have to pay today. I told the customer service forget it, just cancel the application today and remove the inquiry on my credit report. The customer service agent was not sure she could do that and had to get another representative on the phone who said they could only cancel it. So, contacted the BBB, this is false advertising, says if your instantly approved then you can use the credit instantly, what a lie. Update your website

Put it this way. They said I made a late payment 2 days late back in 2023 while I was in the hospital for over a year with a stage 4 pressure sore. They were charging me interest fees since then. I told them I was in the hospital and recovering and was late. This is the only company that doesn't give you a grace period. Every other company as well as my mortgage, electric, water, and other household stuff as 2 other major credit cards I have a grace period. And since I am a Quadriplegic disabled Veteran in a wheelchair with now stage 4 pressure sore, and on a fixed income, I went from a $2000 dental bill in 2023 to over $5411 now. And they now blocked me out of my account where I have to call it in to make a payment. Which today on January 3rd 2026 was on hold for over 2 hrs with 3 different agents from India. Which I think is a scam. Whatever happened to customer service in America. All these Live agents are rude hang up on you or transfer you to someone else since they don't want to take the time to help you. They will never help you to fix the problem for that 2 days I was late for. And told me I should of paid it on time (even though I was in the hospital and can prove it as well). Please stay away from this company!!!! They are very much a scam company. I just don't understand why this company still exist after many complaints to the BBB has been reported by many victims that have been scammed by this horrible deceitful company!!!! Please be advise and STAY AWAY!!!! And if Vet Hospitals, dental hospitals or other companies tell you they use them cause you can't come up with the funds, just tell them HELL NO I don't want to be scammed

This company is inconsistent, unorganized and sounds like a SCAM!!!! I’ll pay a bill real early and call to make sure I’m good and on time, I’ll check two weeks later and see extra charges on my card, I’ll call them up , and speak to a so called manager, and they tell me, I was charged for insufficient funds, MAKES NO SENSE!!!! Pay as quickly as you CAN, It’s sorry to say how companies like this one takes advantage of who ever gets involved, STAY FAR AWAY FROM CREDIT CARE!!!!!!!!!!

Care Credit charged me $2900 on a $1100 balance, saying it was interest owed that had been deferred. They said they had sent me notices. They had not. They said it was on my statement; In VERY FINE Print, that I had to search for twice. I understood the interest wasn't deferred but removed. I had been paying off this account. Now I will be taking out a personal loan to pay off and close this account. DO NOT DO BUSINESS WITH CARE CREDIT. THEY ARE VULTURES.

Whatever you do, stay away from this company, they still doing the same thing as they did in the past deceptive on the deferred payments.And then your interest and all those things.Stay away from this company.Do not apply for them.Do not use this company at all.They are bad and poor business for the public

Wow - I just got an additional $5,000 dollars added to my balance!!! I had NO idea this was going to happen - had I known I would've paid my balance off in a year - I am reading that it is happening to others too - WOW - I am going to do everything I can to STOP this. I've already reported them to the BBB - SCAMMERS!!

I was paying the last payment on my account - called because I see $1300 “interest charge”. I thought it was a simple error. Nope! “Oh, you didn’t pay last payment within the 2 yrs time so now you get to pay all your “deferred” interest at once!”.

I’m a nurse and am very very very disappointed in this company!

Can’t believe I recommended CareCredit to patients.

Don’t do it! Borrow from friends, pawn something, OF (lol), ANYTHING!, but do not sign up for this….

I’ve had my CareCredit card for years. Won’t be bothering with them again!

To me they make up charges. I paid $5.83 for a item at Walmart, they charge $45.00 for purchase and then $32.00 for Credit Card Security. I never asked for that they automatically added it to my Bill. Their tactics feels like a scam, or Something isn't right with these people. Find another card Don't apply. It decreases your credit score.

It says it won't effect your credit. Blatant lie. Hard inquiry. They're was nothing that said you are applying now officially like here it will be a hard inquiry. Lying website. I also got denied for $245 despite having a good job. Ridiculous.

I have had this credit card for vet expenses and other medical expenses. I owed 14,000 on the card. I went to use it at vet when I got my dog spayed and it would not work. I thought that was odd since I had a 22,000 credit limit. I went online and found out they added $ 12,398.00 back interest to my account and charging 32% interest. So now I owe about $24,000. I called and the lady on the phone was rude and said there was nothing she could do about it. I told her I did not get my statements in mail and I did not know that the 775.00 a month that I had been paying was going toward another balance. I am sick over this. They did not care at all. I have never ever missed a payment. I immediately used my other credit card with 0 percent interest to pay this off. But now I am paying almost $13,000 in back interest I will never ever use this card again. They want you to not see your statements so they can deceive . Terrible card to have. I told my vet what they did and to let all their customers know how deceptive they are. It would of just taken a phone call from them to tell me that I needed to pay off balance. I would of saved $13,000.00.

SCAM LIKELY !!! SYNCHRONY/CARECREDIT - Be cautious with this company. Their representatives provide inconsistent and misleading information that makes customers believe they are being helped when they are not. From my experience, the practices feel confusing, unclear, and designed in a way that makes it difficult for customers to get straightforward answers about their accounts.
In the past, I worked for an e-commerce company with similarly questionable practices, customers were automatically enrolled in subscriptions and only received full refunds after filing formal complaints. Once I saw how wrong that system was, I left.
Based on the lack of transparency and accuracy they will easily take advantage of customers vulnerability.
SYNCHRONY/CARECREDIT customer care will give you inconsistent and misleading information. Supervisors/escalation team is unprofessional - particularly a representative named Valerie, who identified herself at various points as an Account Manager, Supervisor, and Escalations Representative.
I called after noticing my automatic payment of $100, only deducting $50. The first agent I spoke with was unable to assist, so I requested a supervisor. I was transferred to Valerie, who confirmed that my auto-pay was originally set up at $100 but then stated that it had been changed as of the same day. When I asked for clarification regarding how or why this change occurred, she told me that I would need to subpoena the records if I wanted that information.
Throughout our conversation, Valerie was dismissive and unhelpful. Her attitude was combative, and instead of trying to resolve my concern, she appeared more focused on arguing. When I asked for a supervisor, she first stated she was the highest-level authority available, while I was still in mid sentence, Valerie abruptly disconnected the call.
I called back and was escalated to Kevin, who identified himself as a manager. After explaining the situation, I was given a balance payoff amount and made to believe, similar to the previous agents I had spoken to, that if I made a lump-sum payment by a certain date, the account would be considered resolved. I was told that as long as payment was received by one of several dates provided (Dec. 12, Dec. 13, or Dec. 14), and I called back to confirm the payment was made, my account would no longer have a balance. This information appears to have been inaccurate and misleading.
Eventually, I reached an actual manager who, within five minutes, was able to explain everything clearly, accurately, and professionally. She demonstrated patience and provided accurate information without being misleading. This interaction highlighted the contrast between proper customer service and the experiences I had earlier in the day.
Stay away from SYNCHRONY/CARECREDIT, THEY ARE A SCAM COMPANY!!!

Tanked my credit score - had a 760 score and immediately went down to 653 after getting this card. They also charge a late fee for paying early. Yep you read that right! I paid $1000 on the 4th of the month for the first payment due towards my account. They told me since it was before the 5th of the month it was too early and therefore I got a $30 late fee. What!? I had not had the account before November 1st, so how could it be for the previous month? It’s so hard to connect with a real person on their website and their customer service agents are passive aggressive and rude. Please do not use this company - a normal credit card from your bank is much better and probably has a much lower interest rate!

These scumbag pieces of shit are running nothing but a scam. They will crash the app and lock you out to make sure you can’t pay on time, authorize payments that you do not consent to, lie about interest rates and charge whatever they want at all times. Third party Indian call center scam designed to exploit the public