CareCredit Reviews 266

It's touted as having "no annual fee" but they pop in a fee here and there just to administer the account so it's deceptively expensive unless you're able to pay off your entire balance in one go (in... See more

Mobile access is absolutely terrible. There is no breakdown of the charges and not sure how funds are applied. Customer service is the same way.

I made a final payment on June 10, 2025, to completely pay off and close my CareCredit account with CareCredit/Synchrony Bank. The representative confirmed my account would be paid in full and clos... See more

Most places - (Vets) don't take it now and they are like Citi bank will drop your credit limit without letting you know. I was always onetime and paid up and yet dropped it the limit when I needed it... See more

I’m quite frankly confused. If you have a “Freeze” on all your credit reports with all major credit reporting agencies, and the “Freeze” has not been lifted, then how can CareCredit claim I’ve got bad... See more

I thought this was supposed to be a good card for pet expenses since they usually offered a period of no interest with vet charges. However, in 2021 they changed my card to a Synchrony Master Card wi... See more

DO NOT TRSUT CARE CREDIT!!!!!!!!!!! I was given care credit at the doctor and I was given a monthly payment amount of $65/mo to pay for the charges. I received no documentation, card, or anything. La... See more

I used care credit for 3 interest free payments for dental work. The first was 12 months, the other 2 were 6 months. The monthly payment was enough to cover , however CC decided to payoff the 2 6 mont... See more

The WORST customer service experience. They have some system error that has confused banking information which they will not take accountability for. They're trying to tell me I have 2 bank accounts,... See more

I was charged exorbitant interest rates of 29% and when I paid off the card and closed the account they continued to charge interest. They sent me a refund and then charged me interest. Deceptive prac... See more

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 neede... See more

Be wary of their "promotional offers". When you use a special financing offer - like 24 or 36 months no interest - you can't charge anything else on the card. If you do, your payments don't go toward... See more

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... See more

They take your money and allocate it as they please so they take all your money and make sure have to pay a lot on their already ridiculous interest rate. care credit is awful. all of my promos were... See more

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 custo... See more

Made above the minimum payment and paid off the entire balance before the end date. They, however, kept reducing my credit line which in turn lowered my credit score- that they then faulted me for. Wh... See more

I requested a 4-day extension to pay so that I could receive my paycheck, as unexpected bills had arisen, and they informed me that the most they could do for me was to impose a late fee. I ASKED FOR... See more

Company should be called DOESN'T CARE CREDIT. I had just a few hundred dollars left to pay for my dog's emergency vet bill, asked for their help in a very desperate situation as I lost my roommate and... See more

One star is way too high for them. Look at all these negative reviews! They shouldn’t be allowed to operate a business. I paid my bill on time and paid it off just for them to close my account loll... See more

Deceptive practices they're doing to customers. Ruining their credit scores, dropping limits without notice on accounts that are paid on time and doing it regularly just to make the usage percent hig... See more

My experience is likely similar to others. I had a care credit card for 5+ years, and in that time never had a late payment with them or any other creditor or bank. One year I accrued thousands of dol... See more

Make sure you read the fine print!!! If you don’t have your balance paid off within their terms they will charge you an excessive amount of interest! They are a bunch of interest scammers capitalizing... See more

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 ba... See more

Uninformed customer service, they will drop your calls (3 times) very frustrating. They ask you to call and apply by phone then give you a run around. Claim they mailed letters explaining their decisi... See more

Do not use CareCredit they will screw you over I'm not going to put my whole story on here but I'm telling you do not believe a word they say and do not ever sign anything they give you get the tooth... See more

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... See more

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 lo... See more

This company lowered my credit like the day after the card was issued. Every time i make a payment, they lower my credit line to below the balance due! They are uncaring and defraud the public by cap... See more

If I could give -5 stars I would. This place will suck you dry even after paying your card in full. I'm not going into all the details but this place is a scam honestly. They should be reported to th... See more

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 — an... See more

They just lowered my credit limit today. AGAIN. I've been paying on my balance, which is a promotional deal and will be paying it off on time in August. Yet they continue to lower my limit whenever... See more

They will decrease your credit limit as you make monthly payments, then hit you with a huge interest amount at the end of the promotional period, causing your account to become negative and doubling t... See more

If I could give 0 stars I would. I just missed the deadline for a 0% promotion which I didn't receive any correspondence about and I was charged a ridiculous amount in interest. I called to inquire ab... See more

Customer for 8 years. Always made my payments. Paid off my account in full and they closed the account giving me a hit on my credit report. They only want your interest payments! Ironically I was abou... See more

Gave one star because they wouldn't let me give them no stars. Had a cat emergency. Got a care credit account. A month later, I Have yet to see my card. They got the billing part right. They have no r... See more

Worst credit company ever. I first applied end of May of 2024 and was approved for $5,500 in June. Never used it yet, By December/January my credit score dropped dramatically because they for no reaso... See more

ZERO STARS!! ZERO STARS!! ZERO STARS!! Another money hungry company taking advantage of people that our in a hard place. DO NOT USE THEM!! It may be easy to apply and get approved for but you will abs... See more

They don’t deserve any stars. Don’t go paperless. You need to read the small print. They have varied so called promotions that is up to the provider, really! Little did I know this since it’s been 18... See more

I have had Care Credit for years, like 10 and NEVER late always paid more than minimum and had a decent limit around $3,800. Used for vet care, paid it down and saw they lowered my limit so I asked f... See more

I set up an autopay on my account, then changed the amount weeks before the due date. They drew the original amount not the changed amount. I phoned as soon as I saw the error, the day after the paym... See more

Garbage company. They are not set up to help or assist you. This is a company that is purely set up to take advantage of you. These people are making a lot of money off people with serious medical pro... See more

What a bad company! The worst I have ever seen! Lying about fees adding extra fees and interest with no explanation! Try and talk to a manager is like pulling teeth ! I wish I never ever dealt with th... See more

DO NOT GET THIS CARD!!!!! They change the due dates and then the “customer service” is the worst ever! I’m paying mine off just to get away from the hassle! I hope someone files a class action law su... See more

ZERO stars! Terrible experience, awful customer services!! Customer beware!! There were errors in my statement but Care Credit refused to help. I will never do service with them again.

Haven't and won't use the card! We signed up for a vet account to help pay for my service dog's surgery. Nowhere on the website does it say the "promotions" are up to the vet, not "Care-less Cre... See more

In both August and September, I made payments in excess of the minimum payment to fully cover non-promotional balances to avoid interest. In both instances, CareCredit applied these payments to promot... See more

Their policies are outdated and clearly geared toward maximizing profits rather than supporting their customers. For example, if a customer makes a credit card payment through their automatic payment... See more

It should ZERO star . . . At 1:20pm CST in Texas, I called to get account info. The customer rep, Patricia, was absolutely rude, unprofessional, mocked me as I asked questions and when I asked... See more

Don't do it. You're better off getting a regular cc with no interest for whatever time. I did a balance transfer of 100% of what I owed and they're telling me I still owe for interest on top of intere... See more