CareCreditReviews of carecredit.com

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

I randomly received a letter telling me they closed my account for no reason. I had no balance. I can to inquire and was told “oh well”. Do not use this company it Synchrony Bank. Do not use this company

I have had Care Credit for over 10 years. Never late on a payment. Always paid over the minimum. Gradually made my way to $11,000.00 credit limit over time. I log on today and see my limit was deceased to $1,000.00. They say it was due to non-use and that I should have received a letter. I did not receive a letter or warning. Them cutting the limit so drastically will destroy my credit score. Thinking about closing this card and applying to another company.

Just found out Care Credit socked an extra $1500 on a $2500 bill. The catch. We were never advised that we had a promotional balance. We pay online so we never got an actual statement. No one sent anything to advise the expiration of a promotion. They just upped the bill and payment and then ask us if we needed help keeping up with the larger payment. What a terrible company. These sap suckers should look at the Golden Rule when writing their fine printed policies. I will tell everyone about Care Credit... BTW, they didn't forget to wish my wife a Happy Birthday on the statement I found on their website. Birthday wishes along with an added $1500 con job are worth nothing.

I don't know where to begin! I had opened an account as a recommendation by my surgeons office to pay help pay down payment. They gave me $3500. limit. But I only Utilized $2000. I made on time monthly payments that were 3x minimum payment. I was almost done, then they hit me with a almost $2000 expired promotional fee. Shout out to Rocket money for catching it! I asked them to show me the proof of this promotional that they claim I was made aware of. They could not. They just extended a 30 day grace period instead to pay off the what was left which somehow jumped from $800 to $1900, again with no real explanation. They just kept sending me from Rep to Rep. Most Rude and some hung up on me. I finally called them from my bank, with bank manager on the phone because they were claiming that the account I was making payments from wasn't valid. Even though on my statements it showed being withdrawn. The Bank manager said that they would be reporting them for fraud and then that's when they offered to waive to some fees. We settled on paying the owed amount and closing it. Only to find out a few days later that they kept it open and charged me yet another fee. Mind you all this a less than a month. I called yet again, and the Rep had every audacity to say that they were being more than gracious to me for having waived fees previously. I reminded her that I no longer wanted this account open nor desire to do anymore business with them. I, again, requested a letter be sent to my email of my account closure or I was going to take them to court. She said she was not able to do that. That I could view it on the app. I said "on the app, you guys keep closing me out and have to call it to get it reset." I reminded her that all calls are recorded and it will prove their inconsistencies of misinformation and I that have witnesses and bank statements to prove it. She hung up on me and sent me a letter. I updated my bank on this most recent occurrence and they said they were going to report them. Like others, my credit score dropped but so did my blood pressure. Not worth it!

Worst credit card ever through Sychrony. I had a 2000.00 credit limit for over 2 years. I always paid my bill each month early. Finally the interest they were charging me and the games they were playing with their promotional purchases were killing me. So I took out a small personal loan to pay off my credit cards and I paid the balance on this one of 687.00. Once it posted my credit limit dropped to 690.00. Nice way to treat a customer who always pays early. This also happened with another sychrony bank credit card I had with Belk Department store. 500.00 credit limit paid early every month never carried a huge balance. When it did get up to about 300.00 I paid it off and they dropped my credit limit down to 140.00. Stay away from anything that comes out of this bank. They also even charged me 6.24 for purchases made after I paid in full. They can stick this card where the sun don’t shine.

Yesterday 11.19.2025. I called care credit simply to get a card for my wife who is an authorized user on my account. Instead an incompetent agent closed my account. My wife had a dental appointment scheduled that same day. I never reported my card lost or stolen.Why would I order a card and then close my account.

0 out of 10 CareCredit is absolutely worthless. I’m beyond pisssed with CareCredit after my latest experience. We make well over six figures, have multiple established credit cards, pay our bills, and needed a simple $1,500 approval to take our dog to the vet. That’s it. And somehow these people can’t manage to approve even a basic limit like that. The whole “application process” is a 10 second joke, a couple of vague questions and an instant decision that tells you nothing about why you’re denied or how they supposedly evaluate your creditworthiness. It feels shallow, judgmental, and completely disconnected from real financial responsibility. You absolutely cannot judge someone’s entire financial picture from a bare-bones questionnaire, yet that’s exactly what they do. In my opinion, CareCredit comes across as a money grubbing, out-of-touch service that offers nothing but frustration when you actually need help. When a company that advertises itself as a lifeline in emergencies can’t approve a straightforward, average limit for someone with solid income and credit history, it says everything about their priorities. If you value your time, your sanity, or your pets’ well-being, stay far away from CareCredit. They failed when it mattered, and we won’t forget it.