I made a Paid in full — yet still charged interest!
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 closed.
Weeks later, I received a new charge of $156.74. When I called for clarification, a representative named Sandra was rude and dismissive, telling me that interest would continue even after the account was closed — which makes absolutely no sense and contradicts what I was told when I made my final payment.
I paid the $156.74 under protest, but this experience has been extremely frustrating and unfair. It feels like predatory lending, keeping customers in unnecessary debt even after full payment.
I strongly caution others to think twice before using CareCredit or Synchrony Bank. They do not communicate clearly, they mishandle accounts, and they treat loyal customers with disrespect.