CareCredit Avis 

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 for increase and they gave it to me. Recently having teeth work done, using it and AGAIN they lowered my limit and again my credit score went down because of it. When you owe only 1/3 your credit score is not dinged but when you appear to be using ALL your credit, the credit reporting companies WILL lower your credit score. BUT Care Credit keeps lowering your limit amount down to where you are viewed as maxing out your card that LOWERS your credit score. THERE SHOULD BE A LAW AGAINST CREDITORS THAT DO THIS. I can see if your late paying but I NEVER was late. I WILL PAY THIS ..... off and NEVER use it again.

ABSOLUTELY DO NOT USE CARE CREDIT THEY ARE TERRIBLE AND WILL STEAL YOUR MONEY.

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 promotional balances instead (attempting to make it so I would interest on the standard purchases). While they correct this when I reached out both times, be VERY careful and pay VERY close attention to your account.

Didn't care about what I needed. Flat out denied everything.

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 practices! I called and spoke with a person both times, once to close and get final payment and again after they continued to charge me interest after closing.

It’s been more than a year and a half ago I was using my card to pay my trainer. So every two I’d pay part of it. Well towards the end of my training payments I gave a payment that appeared and said processing the next it was gone then waited some more and my bank charged me but it wasn’t posted on my care credit. Spoke to some lady who was like a dump truck wouldn’t budge. She said wel I don’t see it so it wasn’t posted. I was ripped off that has never happened to me so I ended giving another payment. Some body need to investigate this company. I’ve never complained about any other company. But this one takes the cake. Then I get a promo that was gone simply it wasn’t on the statement but it was showing on my end and I gave it a week and some change and that when i decided to send a payment. Kate said she can’t do a damn thing oh and she can’t give me her last name but she has my info. So I’m calling tomorrow see if a manager will help me with this. I was told I have two to three weeks to pay off non promo and that’s exactly what I did but the system went ahead and paid off my promo. What a bunch of scammers I’ve done this process with other cards and have had multiple purchases and never been scammed as they have bunch of racist. Thats how they go about using your personal info.

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 months in the past, now it is 12 or maybe 6 months. Then they dump the complete huge interest from the start on your bill if not paid in full by the end of promotion. Customer Service no help, not their problem. Heads up for those thinking of using Carecredit. They need to change their name. No caring-ripoff.

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 Credit". Do not go through them unless you plan on filing for bankruptcy to avoid paying their exorbitant 37% APR, sometimes over 50% if you don't pay it off within 6 months. These charges are applied retroactively and are permanent! If you already plan to file for bankruptcy, you might use it for your main vehicle or house (which can't be taken away in bankruptcy cases). The customer service didn't listen to us and made us wait for an hour to speak to a supervisor. We overheard the first representative speaking rudely about us to him in Hindi because we dared to question the additional three pages of fees they added to our account after we opened it... I speak Hindi, by the way...

That's federally illegal, by the way. We're going to discuss our situation with a lawyer, as they've been successfully sued for the exact issue I'm warning you about.

They are like loan sharks. So again, if you already planned to file for bankruptcy within 6 months, go ahead and take advantage of them.

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.

Care credit has the worst customer service I have ever seen. I usually use CareCredit for my dental work. I've had three bouts of cancer in the last few years two of which required chemotherapy. I couldn't get dental work while I was getting chemotherapy. Now I am ready to go to the dentist and have my teeth cleaned and get an examination and I checked that my CareCredit card was still valid it expires in 2028. I called up to make sure that there was nothing on it and was told over the phone that it was canceled. It was canceled for non-use. I only use it for dental and if I have chemotherapy I can't get dental work. Thank goodness I looked it up before I went to the dentist and was embarrassed there. Absolutely no customer service by this company. They could have written me a letter and said we're going to cancel your card if we you don't use it they did not. Customer service was just lip service They offered nothing. Do not do not do not open an account with CareCredit They are the worst.

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 decision. No letters came. Send you emails to press link to their decision and it goes to a blank page. I have a 750-820 credit score. Their loss.I would explore other options

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 dollars of vet bills and paid them off within a few months. Care Credit however does periodic credit checks, and despite good history and payments, they will close your account due to lack of activity and if they feel your credit has declined at all. I had this card purely for emergencies with my pets, and a good portion of their advertising is centered around pet care and emergency preparedness, but it is clear this isn't truly a goal of their business, and they do not respect or value their customers.

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, 1 of which rejected my payment and caused a late fee. I have had the same bank account as when I opened my Care Credit card 13 years ago. The app somehow has my correct banking info. but they don't. They're not willing to look into the error and said it was my fault. Okay, sounds great. Thank you for being assholes.

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 on people’s grief/frustration and inability to pay for their dog/cat companions procedures so they say “hey apply for our card, we’ll pay for your pet to get fixed right up! Sign the dotted line and you don’t have to worry at least not until 12 months if you don’t have your balance paid in full!” They’re in on it with the emergency veterinarian hospitals and I would not be surprised to see those same veterinarian hospitals pockets getting lined for each customer/Victim they send Care Credits way.

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 — and they claimed it was “closed.” Then they hit me with a returned payment fee and refused to refund it, despite the fact that I never added any other account, and the charge never even hit my bank.

I contacted customer service, and it was like talking to a broken record. Just repeated “sorry, nothing we can do” while dodging any real help. No accountability. No logic. Just a smug wall of robotic replies and zero resolution.

They’re more than happy to charge fees and ruin your credit over their own screw-up. This isn’t a one-off — judging by other reviews, this is a pattern of behavior. They thrive on confusion, poor support, and buried policies.

Do yourself a favor: don’t ever open a CareCredit account. Just use a real credit card with actual customer service. These people are the payday lenders of medical financing

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 4 DAYS, THAT'S ALL !! Absolutely ridiculous, and such an unhelpful company like you will still get your money.

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 problems.

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 had to pay rent alone for a month instead of being able to pay off the last bit of my bill and they slapped me with $1200 in interest! They do not care about anyone but themselves and robbing people. DO NOT USE THEM!

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 reason at all dropped my credit amount from $5,500 to $250. I used 1 time after thinking this would help it go back up or something logical. I quickly paid it off to a zero balance again. My card was valid till 2029, but as of July 14th they closed my account for no reason and hurt my credit a third time. I wish I have never dealt with this company. People always say get a CareCredit card to help your credit. Wrong! don't do it they hurt my credit dropping it an average of 18 or more points each time.

I tried for many years to get Care Credit. I finally got it and was being very responsible with using it and making sure my payments were early and usually more than the required amount due. Last month my payment was returned twice. I was late getting paid at my job and I made the payment good within a few days. I went to open the app and it was closed. There were no phone calls, no email, nothing to alert me that my account was in jeopardy. When I called to see if I had any options to save it, I was met with the most rude and hateful representative. I was told a letter was sent and my account was permanently closed. The letter has never gotten here and I’m just so disappointed and angry at the entire thing. Yes I accept my part in this but I’ve never had an account closed out this fast and met with such horrible customer service. What happened to giving people a chance? I couldn’t help that my deposit was late. Any other company will call and talk to you to try and resolve the issue. It didn’t matter that I had done everything right since I had the card or made extra payments. Now I have a flaw back on my credit and still have to pay on this account. One star is way too generous in my opinion. If you have stars in your eyes and think getting this card is a good thing, it’s not. This has been the worst experience I’ve had with a company and I will continue to share my bad reviews to whomever will listen.