CareCredit
Reviews and Complaints

As someone who has been using CareCredit for a while now, I have had a mix of experiences with the service. While the flexibility of financing options has been helpful for covering various health and wellness expenses, I have encountered issues such as unexpected credit limit reductions and high interest rates. It's important to monitor your account closely to avoid surprises like sudden fee increases or account closures. Despite these challenges, CareCredit has been instrumental in assisting with my pet's emergency surgeries and other medical needs. Overall, it's a service that can be beneficial if managed carefully.

Ive been with Care Credit for about a year now and have put two promotional purchases on my account. My first was 1,200, which they gave me 6 months to pay off INTEREST FREE. Before agreeing, I did the math to make sure I could comfortably afford the monthly payments. I paid it off in time, no mystery charges, used the app to track my payments, NO PROBLEMS! I was shook! They even doubled my credit limit which in turn boosted my credit score. After reading all the negative reviews I was nervous about using it again, but I really wanted to start Invisalign. The Invisalign promo purchase was 5,000, which they gave me a year to pay off interest free. AGAIN I budgeted before signing. This time I pre-set my payments on there website to take money from my account every paycheck. WORKS PERFECTLY! Now I've never dealt with their customer service or missed any payments but what I know is they do what they promise. I've borrowed around 6,000 and havent paid a dime of interest. I'm still amazed!

Like one other reviewer said, the complaints about these financial dirt bags is that people don't understand what a "promotion period" is. I got my card a few years back and charged it up to $10K limit with a 12 month promotional period. Paid minimum balance every month. On the 11th month, my calendar popped up with a reminder (the reminder that I set when I made my first charges) telling me to pay the card off that day. I did. Result: I borrowed 10K from these horrible people interest-free for 11 1/2 months! They soon called back and wanted me to get their regular card for 26.99%. I said "thanks, but no thanks." They then agreed to give me ANOTHER promotional card - this time for $7,500. Wonder, wonderful idiots! I will use this card in the exact same manner as the first. People: Learn how to scam the scammers. It makes life a truly beautiful and wonderful experience.

Read these words: DONT. USE. THIS. CARD. UNLESS YOU 1) PLAN ON PAYING THE MINIMUM PAYMENT EVERY MONTH AND 2) PAY THE *ENTIRE AMOUNTOFF ONE MONTH BEFORE THE TOTAL IS DUE. PERIOD!

I worried about all of the negativity I read in these horrific reviews, yet honestly, Care Credit has been extremely wonderful to me! They REFUNDED / charged-back $3000. 00 to my account, resulting from my nearly dying from a Dental Malpractice living-nightmare! They offered a refund check to me, with the option to credit the entire amount BACK to my Care Credit account, while PENALIZING the dentist for his malpractice. The Credit Fraud Department told me they were on my side, and they urged me to SUE the awful dentist for nearly killing me, since I ended up in ICU on LIFE-SUPPORT for 10 days after choking in my sleep on the faulty corroded dental implant, which became stuck in my esophagus, as I awoke gasping for air, and somehow awakening on life support 10 days later. The hospital contacted Care Credit for me, submitting my medical records, and Care Credit began processing my refund IMMEDIATELY, while sending me get-well notifications that they were all PRAYING FOR ME!

Give them a break folks! I don't work for them. I'm a consumer just like each of you, so all of this negative publicity is unfair!

Best Wishes, & God bless you all...

I am really surprised at what I am reading regarding Care Credit. I have had Care Credit for at least 10 years. I always paid my balance off before the promotional deadline. They have saved me many times on vet bills, and medical bills. For my dogs dental work, they extended my time which is based on what your balance is... for example, if your bill is under a certain amount- for example, $800, they will give you six months 0 interest to pay it off. If it is over a thousand, which my dog's dental was, (which is what my vet charges everyone for dental work), then they give you 2 years with 0 interest to pay it off. I have no complaints against them. The service provider always tells me my limit and how much time I have to pay it. I call Care Credit and never have a problem getting through either. I was even a month late from the promotional date, and they allowed me to be extended with 0 interest. Yes, I got a call about a Mastercard, but I just told them I did not want it. I have no problems with Care Credit at all, and from my experience, they do not jack up any pricejust because you use their card... they haven't for me anyway. I also have excellent credit. Thank You CC, you saved me a lot in interest.

I have been using care credit for 11 yrs, everything is stated as in terms of this credit card. Have used uncountable times for vet and dentist. I have read several of these reviews and appalled that these users "don't get it" it's honestly not hard to understand. Where ever you use your card ( dentist, pharmacy, vet, etc. Determines what your interest free period is going to be usually based on the amount you spend. Example vet $200, they ask do you want that on 6mos. Or 12mos. "You answer" My dentist won't do over 12 mos. Even when after insurance I owed $2,000. Not care credits fault, they do have up to 24 mos. If where ever you use chooses to offer that to you. They set up your deferred interest time frame. Very simply if it's for 12 mos. Divide what you owe by 12 mos. Pay that amount (It will be payed off before you acquire the interest. Minimum payments are nice, if you don't have the "200."to pay from your calculations of what you needed that month and just catch up when you can. I pay usually every week online. Divide monthly payment by four, easier than taking it out of a week, anyway on every statement by mail and online it tells you when that deferred interest payment is due. If you need to use card again say vet on 6 mos. Payments then go to what is going to be due first so the deferred interest doesn't get charged. Make adjustments for that so your next payment do your 12 month with your 6 month divided and added to it so everything gets payed very simple and nice that there is a company that will loan you thousands interest free up to the alloted time... No scam... Minium due by monthly date is not to have it payed off in allotted time, it's minimum due each month to keep account open and not past due and goes toward what you owe. Home depot, Lowes, Best Buy... All the same if not paid by special purchase date 12 or 18 mos. You aquire INTEREST... AND about the same around 24% of coarse you can't use them incase of emergency at several different places. Your dentist or vet gets their payment right then, you just have to pay cc back... Wonderful to have... period

Just created a new account online and was offered the mobile app. Downloaded the app, entered my credentials, then was asked to choose a phone number to which a verification code would be sent. But...neither number offered was my phone number! Whose phone number got associated with my account? Called the customer service number and got the run around. Was told that if the app didn't know my phone number it would randomly pick someone else's phone number! What?!? The rep verified my correct phone number was listed on the account. Only the mobile app was wrong so I "should feel ok about it." Sorry, this feels mighty sketchy to me. My concern is that even if I delete the app at least two other random people will be able to send verification numbers to there phones and be able to verify changes to my account. This is the worst security I've encountered.

I was grateful to receive this credit card when I was in dire need of credit to pay for emergency care for my dog. My checking and savings account had bled enough and this was my savation.
I advise anyone applying for this card to take heed of the very high interest rate and recommend that you make timely payments.
Use for emergencies only!
Chip away at your debt, even if for a few dollars more mid month, to help get your balance down.
Only use your credit up to 30% of the credit limit. A higher debt ratio to your credit limit on the card is going to cripple you with a higher minimum payment due.
I also want to add that I don't use this card for my medical bills. My medical bills go to collection and I pay them a small set amount monthly (not with a credit card). If you're actively paying your medical bill, even for $5 a month, they can't touch you.

The application is okay however when it comes to their customer service and resolution it's very disappointing. They recently had a promotion spend 500.00 and receive 5000 points. I was told by customer service to wait 2 billing cycles, I waited and they were not applied to my account. Then I called again I was told to wait until Monday since it was a weekend, so I waited until actually the following Thursday, still no points. So I called again, I was told they could see the points on my account but they had not been posted. So they had to create a ticket and ONCE AGAIN I WAS TOLD TO WAIT ANOTHER 2 BILLING CYCLES! It's messed up because I've always paid my promotional balances off before they are due and my payments have always been on time. I'm really disappointed at the turnaround time for escalations! It should NOT take that long to apply points to my account!

I enjoy this app for exactly what it is, a quick and easy way to pay your bill and to always have your card "with" you, even if it's not in your wallet. To see a more extensive look at everything, your promotional status, statements, etc., it is best to view it online but honestly, I don't need to look at all of that when I'm just simply trying to make my monthly payment and chip away at the total when I can. This is the only banking/credit card app I have that I can open, verify my identity with my thumbprint and then immediately have access to paying the bill on one single page and being done. This didn't exist 6 years ago when my husband and I had to open a care credit card to pay for an unforeseen surgery for our kitten at the time but I'm sure glad it's available now the second time around with a different kitten, different (expensive!) surgery. Very happy with it, thank you!

I had this app on my previous phone. It was nice to have but I rarely used it because it was more difficult than paying online, mostly because it did not show all the information. However, I just got a new phone. I did not previously have my cell phone number listed on my account, so be wary not to make my mistake. Because you have to enter a registration passcode for safety but it is apparently only designed to be sent to cell phones, so even though I selected "call," nothing happened. I registered my cell number but was told it would take up to 2 MONTHS for my customer information to be communicated to the app. And customer service said there was nothing they could do. They could not send the information or give me a passcode. They are just mailing me a letter saying "you should have." So, when the app is more up to date and less frustrating, I would be happy to increase my stars.

This is seriously the worst app. Maybe when you can actually successfully make an account it's better but it won't even let me get that far. It has you verify your phone number by texting you a code. It had my incorrect phone number and at the bottom said if this number is incorrect call this number. Called the number the guy said 'yeah we don't do that. You have to call this number' called that number the guy had no idea what the app was. Called a number on their website. Still no clue. Then I tried to log back in on the app and see if I could get around it and I couldn't. Tried again later and now said my information isn't correct. Even using my fingerprint. How the heck can my finger print not be correct. This is ridiculous. Aside from how crappy this app is, their customer service is terrible and so had to get ahold of. I've had this account for less than a week and I already regret my decision.

I started to use this app on February and overall is great. I like how simple is it with straightforward information that is provided such as checking your balance , making payments, checking payment history and other minor useful info. However, my only complaint or downside is that for this month June is not letting me make my payment like I usually was doing on previous months (Feb, March and May). Normally, I make payments over the minimum amount and the problem is that once I choose the amount I want to pay for is doesn't take me to the next step to verify my payment option, usually, once I choose the amount after is will take me automatically to the next step but not this time. I hope they fix this asap because I don't want to call customer service Representative (CSR) for next month and make the payment over the phone because they charge $10 if you make payment with CSR , for this month I got lucky because they waived the charge.

Today is 10/26. I opened my app to check on any payments that I need to make (with my busy schedule, I forget sometimes if I've already made a payment or not for the month). I noticed that the interface of the app has been changed. So I pull up my history and saw that I made a payment on 10/2. But when I go into my Acct summary, it says that I have a minimum payment due of $25 due 10/21. I'm thinking, omg! I'm late for a payment?!

Since that due date was 5 days ago, I go to submit another payment for this month. Then I call the customer service line to see why I made a payment on the 2nd and still owe for this month?

They said that I didn't owe anything and that the payment made on the 2nd was more than enough for this month. I explained how the app says I owed a minimum due 5 days ago.

Bad app updates. I can understand if I made a payment within the past wk that the system needs time to update. But- If my payment was made and cleared a few wks ago, it should reflect that on the app. Also, finding the Log Out option wasn't as easy as it used to be.

Please fix the app so that it is more user friendly and actually up to date on account information.

I have been dealing with this app for the last 10 days now, just trying to complete the registration portion on my phone, I sign in, it's fine, brings me to the next step of sending me a verification code to my phone...buuut, it's showing the wrong number, so I go to their online help (chat center) and get nothing except for an answer stating "yes, that's a common problem, but I can't do anything about it, try again in 24hrs" so I did, and repeat the same process, this time the answer I get is "our team is working on it, but we can't give you a time frame for when, or even if we can do something about it" fast forward to today. I called the customer service line, and tried explaining the issue to the rep. The only thing I kept being told is "there isn't anything to view in your account currently, so why worry about it?" I said "I know this, but it's not about my account inquiry, it's about completing the registration for the app for when I do have to do the rest". Every answer I got was revolving around there not being a balance due yet, when I kept repeating that it's nothing to do with the billing at this point, I just wanted to complete the registration. I was then told "we are having problems with our website this morning, try again in an hour or 2" I told him I can access the site just fine, I just can not finish the registration on my phone for the app and that it has been since I initially tried 10 days ago. Then I get told "well, we don't have an IT team to work on this so maybe you should go back and talk to the chat center" at that point the call was ended. And still I cannot use the app because it still displays a number that was never associated with my account, but they can fix it because they don't have an IT team. So now I am just under the assumption that the app is completely useless on my phone, deleted the app, redownloaded it, tried again...still the same.

My options were take my cat to an ER to get catheter put in for ~$3k, take my cat 4 hours away to get surgery for ~$1.7k, or put him to sleep. He’s just a baby (only one) and went in for a UTI. I only had ~$500 because I thought he would just need antibiotics and rent was due that same week. They told me about CareCredit and I only got approved for $1k bc of credit but I’m so thankful for the help I received. My cat is alive because of this service offered. They wouldn’t even start surgery or help him without money upfront and CareCredit allowed for that to happen. I’m doing the 24 month plan and I just made my first payment of $49 so it’s a really affordable payment plan! The app also has a payment calculator and estimated payments so you know how much you’ll be paying. Honestly I don’t care about the high interest rate. I think by the end I’ll end up paying close to $200 extra than they gave me but if not for them I wouldn’t have my cat so I don’t mind. They gave me help so if the extra $200 is what they need to help others I’ll gladly pay it (it’s a monthly payment too so it doesn’t get much better than that). I will say they add that card insurance immediately even if you uncheck the box saying you don’t want it so make sure you call the number to cancel it or your payments will go up. After I did that the agreed upon payment cost was put in place. In 24 months when I’ve paid off this surgery I will be using again for my other cats dental cap. Thank you for helping me!

Update: I take back what I said. Like it’s mad annoying that they said my payment went through then I went about my life and then the next day (after the payment was due) said it didn’t go through so a late fee was added to my account. I’m literally so annoyed by the late fee. Like I accidentally paid a day late in October and got a late fee (my fault) then THEY didn’t inform me my payment didn’t go through (even though funds were literally in the account at the time and told me it was paid) and now I have another late payment. Getting so overwhelming might as well let it go to collections if I’m paying a ridiculous amount when it should be easy payments.

Visual story...Moe, my Jack Russell Beagle Mix is running around the yard playing. The next second I see him screaming in pain on the ground. I see a muddy hole where his foot got stuck and instead of pulling it out he twisted to run and SNAP! My sweet dog who has never bit anyone is now flipping out, biting us as we’re trying to load him into the car to get help. It’s a Sunday of course so we head to PVSEC, a animal hospital 45 minutes away. It was terrible. The crying and howling. I call on our way, they are waiting for us with a stretcher when we arrive. They take our fur baby away and we just wait in agony. Front desk comes to speak with us, explaining their low-high pricing scale. Reality is setting in, omg we can’t even afford the low end! We are not well off, we live paycheck to paycheck like every other great American. So they give us an application for a grant because we are low income and an application for CareCredit. Long story short, I’m sorry I know this is long. But here goes. After 2 hours in recovery and X-rays they tell us he has THREE breaks in his little front elbow. WHAT! HOW?!?! The visit for that day was $800. The overnight wait for next day surgery $450. The surgery itself? Dear Lort $4,500.00 (faint now). In the end, after everything was said and done we got a grant that paid for 1/2 the surgery and care credit took care of the rest. If it wasn’t for care credit taking a chance on 2 people with so-so credit our dog would’ve lost a leg. The promotional 0% APR is great. And if you can’t pay it off in that time, yes the percentage goes up BUT that’s what credit cards do. We’re just thankful for the chance. We’re thankful that they actually called us to see how our dog was doing after surgery. And we’re thankful that if anything else happens that we have care credit to fall back on if need be. We are $800 away from paying off his surgery. Thank you Care Credit for letting us be able to help our dog when he was in need. And to everyone wondering about Moe, he is fine and back to himself. He had a plate and TEN screws in his tiny elbow. His leg only extends 90 degrees but he doesn’t let that hold him back. ❤️

I'm an Orthodontist and in my opinion this is the worst company I've encountered in my life. If you are a Doctor run away from this. They give the illusion that they will handle all the hassles of collection and that's why they take that high percentage off and give you the remainder... they have your back... works with me... sounds good right?. Problem is... not true at all in my many years of dealing with them... bottom line... there are too many examples of how unprofessional they are... I could write a novel on their unethical ways... one recent example... when they experience fraud on THEIR behalf to not only owe them back for the full case but an imaginary higher amount than what you collected... happened to me... and they will take it out of your account... without your permission (because you didn't read the fine print of not retaining a copy of the responsible party's driver's license on a case that is years old)... the patient was happy with the work and so were the parents and grandparents... so you should get paid right.?... but CareCredit apparently had a problem collecting so... all on you Doc! Even on a case that is years old... long gone... every one happy... Care Credit seems to want their money back because the patient whispered a charge dispute and goes under investigation... yes... they have an investigation officer and a staff of many to inform you that you are responsible for full refund and more... not one staff member asked about the success of the patients treatment... not an issue to them... but we did do the work... the patient's they want us to pay for were happy... have the progress photos to prove it... yet we gave all the money back... we received and hundreds more...(in the fine print)... I was penalized over the amount we were paid... kind of stings when the patient is so happy with how straight their teeth were... this is not an isolated case... one more head's up... if you begin treatment... and say you are 3-4 months into treatment... if a patient whispers a dispute charge... not critiquing your work... all happy with progress... but dispute charges... all on you Doc... you will not only give a full refund but interest on top! You too... will be responsible... you pay them handsome percentage to handle this... they claim to be on your side but wait until they don't collect or unable... they will go after you... just a fair warning... on and on... This is my first bad review on any person, place or thing... They are modern day rip off artists... and you are the fat cat they will target... they made our lives more miserable... here's a solution... works for us... just set up a decent payment plan with the patient... but one way is to give the patient 20% off and you will be light years ahead in profit and just cut out Care Credit altogether... oh... PS... EVERYONE I tried to reason with at care credit did not CARE... which I wish I would have known years ago... Recap: run away! Already with Care Credit? Get out while you can... you may have surprise bills from their bank saying you owe them thousands over old cases even if you do... so standby...

Hello. I spoke with a member of Care Credit Team today. I want to complain about the man I spoke with being rude to me by hanging up the phone before I was done talking. I appreciate the answer and explanation he gave me to my question, but the way he hung up before I was done was disrespectful. Safe to say that once I pay my bill off for them, I will NEVER use them again.

My wife was told that there is promotional financing for 48 months on the care that she credit card that she received in October 2023. Well we paid the bill in November and did not notice the interest of $15.95, so when we got the bill for November I looked at it and noticed there is a interest charge of $57.09 . So I told her we should go to the Credit union and get a loan to pay this off and we did the card got payed off and my wife contacted care credit and they said we do not get the promotional financing because they said the dentist that she went to turned the promotional financing off which I know they they can not do that care credit is where they offer the financing so buyer be aware of this crooked company they are Crooks

Horrible people to deal with. Raise your minimum due at will. Asked to change due date because of social security and they refused. Lowered credit limit for no reason. Representative are totally unhelpful. They also screwed up friends card and lowered credit limit after granting it so that he can't even finish dentist appointments. They screw people over.

Care credit destroyed my credit by reducing my credit line without casue or notification they caused my DTI to plummet and me to be rejected for a loan becasye they took my $12k credit line and dropped it to $66 over the course of a few years, when i complained they said i wasnt using it, what they didnt realize is I was documenting their crime of tampering with peoples credit scores by violating their own terms and reducing peoples credit with cause. now they will be fullty investigated suffer bancruptcy and lose millions all becasye theiur greedy [censored] couldbt be honest! and the moment a news station replies I will be on the news reporting these scumbags so ther innocent consumers arent victims

Called to make a payment spoke with cora.very rude representative I ended up getting put on hold I then hung up ...had to ask for a supervisor before hanging up...instead of calling back I paid on auto pay...I had difficulty online so I was already frustrated this representative added to my frustration.i should not have to inform her I am the customer...please coach her on her tone ..very kurt...thank you

In the past year I have needed to contact carecredit customer service because of interest charges that should not have been charged, for promotional awards that I never recieved and also to make sure payments are being applied correctly to enusure I am only being charged interest when appicable. Unfortunately the reps I have spoken to have been rude, give me inacurate information and I have had to call almost monthly for at least the last year. I wish I could afford to just pay this card off but Its the only way I can afford to get healthcare these days. Is really sad and I have to mentally prepare myself to just make a call to them because i know I will be on the phone over an hour and its just not fair. I have had to call at least 20 times to be sure fees are reversed. I dont know what happened but its like it was in 2019 when i first got the card. Be wary!

I was just charged $343 on a $852 balance. I was told the interest is from a prior balance (money I have already paid off). I was told it could be removed if I pay up all of it in the next few days which is blackmail. The only help I was offered was to close my account. I have filed with the BBB and am joining a class action lawsuit if this is not corrected. I was mislead and can't believe a legit company can perform such illegal acts.

I am live chat with the agent on 9/10 because I want to know why I got charged $392.97 on June 2023 and another $72.

They told us our promotion expired in June. We do not get any notice via email or the letter.

I told them because I do not know if I know I will make the full payment of $900 but right now my payment is $900+392.97.

I do not want to pay $392.97 but I can make a full payment of $900 because they do not call or send a letter to inform us.

On 7/2/21 I went to the denist. The bill was 1085.00. I guess it was promotional purchase for 2 years. I didn't not know that. I paid 500 the next billing statement. Forward to today I made.my payment on 7/21/23 and no interest rate or how much I owe on the promotional offer I didn't even know about.

Today I see I was charge 518.06 in interest because I didn't pay it off within 2 years. I owe 41 bucks. I called customer service and they can not do anything . I missed the grace period by 1 day. So if I called yesterday and paid 41 dollars, I would have not been charged 518. What a scam. The lady told me I have to call every month and tell the agents where I want my money put. It's one card! Why have auto pay, online pay ,and an automated system? I know to rip people off.

My balance is still showing $2798 interest charges.

Care Credit has stated that my balance would be 0, because of the $1800 payment I made via phone because the website was not working.

My balance was $1700 in July and I made a payment of $1800 on August 18th.

I would like the $2798 interest charges removed like you previously stated it would be.

Thank you for understanding and I appreciate your help.

Joseph P Limont

July 26th, 2023

To Whom it may concern,

Good day, my name is Kimberly Jones. I have been a Care credit and Synchrony customer for many years. However, recently I experienced something no customer should have to experience. As such, I decided to write a letter making you aware of the situation as No One should be treated so dismissively, rude and most of all HURTFUL. When you have customer services agents representing your company bringing professional loving, caring people to tears there is a BIG problem. Please allow me to share my distressing experience with you.

I love Care Credit. However, I was having some problems with my account and called the beginning of June asking for help as for some reason the card tried to pull the full amount from my bank account. As such, I called (6/12/23) and spoke with a representative and she assured me they would turn off the autopay so it would NOT happen again. Well, she did not, and they continued to attempt to draw 1807.00 from my account 3 additional times. (6/15/23, 7/12/23 and 7/17/23).

I called again and spoke with a gentleman, and he assured me they would straighten this out. I pleaded with him and told him about the false promise the previous month and that I DO NOT want this to affect my credit. Once again, he assured me that my account was in good standing, and he would see to it that this was quickly resolved.

A few days later (7/22/2023), I was notified my card was CLOSED! I was so upset I called and spoke with another female rep and told her what was going on. She then forwarded me to her manager. The manager was very kind and stated she wanted to help resolve this and apologized for any confusion on their part. She stated they would LISTEN to the phone calls and if in fact it was a mistake on their part, she would re-open my card.

I spent several hours reviewing my cell phone roster as there are a few different numbers to Synchrony & Care Credit. I called back and spoke with another rep to provide them with the requested information of dates and times of my calls. She also spent 45 minutes looking at my account and could see I had not missed any payments. Even when they were trying to take the full amount from my bank account, I continued to make my regular payments. She also stated they would help me to get this resolved and she could see I was a good customer and had made payments on my account.

The next day (July 25, 2023, at 11:33AM), I received a call from [protected]) her manager (SHANNON) she was abrupt and confrontational right from the get-go! Extremely rude and it was obvious to me right away she had NO interest in listening to anything I had to say or helping me resolve this issue.

I requested she listen to the phone calls /interactions I had previously had with Care credit reps, and she kept insisting I had never spoken with anyone "you just texted". I informed her YES, I tried texting to resolve the issue when it first happened however, it was clear to me quickly I really needed to speak with a customer service rep on the phone to explain what was happening and get some direction on how I could quickly resolve the problem. However, she just continued to speak down to me very rudely and judgmentally.

I asked her why she was being so rude to me. I am a very friendly honest person; I am a Registered Nurse/Emergency Room nurse and currently am working for the Federal Government. I empathized with her that I understand that her job can be a difficult one, but I am not trying to have an argument with her. I really would like to fix this issue and have my account restored. Even if she was not able to help me, I would have really appreciated I simply some common courtesy and to listen with intent to assist me in resolving this matter. However, she continued to berate me and brought me to tears. That is completely inappropriate.

I requested to speak with her supervisor, and she stated she was the "top of the line”, but I could mail corporate if I wanted and got one last dig in by assuring me that "your account will remain closed mam”! You should learn to read the autopay agreement which states unless intentionally stopped it will continue to pull the full amount every time".

I then asked so I could get a better understanding, "if I pay the card off in full to a zero balance then 6 months later use the card for an emergency (let’s just say for the amt of 4800.00) it will attempt to pull the full amount of 4800.00. Even though the card had been at a zero balance for several months".

She then fired back "YES, again read the agreement which it is obvious you did not"(or something along those lines). This made no sense to me. I later pulled the agreement, and it does state that if a consumer calls and requests to have the autopay stopped it may take 1-2 days. However, in my case I spoke with at least 4 different reps and despite their promises, NOT ONE ever turned the autopay off even though I requested this MULTIPLE times.

Had they done as I requested on June 12th, 2023, I would not have multiple NSF fees from my bank and my Care Credit card would still be in good standing. I take care of people 10+hrs 4-6 days a week and I get that it can be frustrating at times. However, NO ONE deserves to be treated in such a horrible belittling manner.

This was an awful experience, and it is such a shame that Care Credit would allow their customer service MANAGER to behave in such an unprofessional, hurtful manner. I have always been a big fan of my Care Credit card and I certainly did not deserve to be made to feel as if I didn't matter at all. It was obvious early on that She had absolutely no interest if helping me resolve this situation despite all my efforts to do the right thing.

I welcome anyone to listen to the call on June 12th, 2023, on phone number [protected]) or the other calls I placed pleading for assistance in fixing this matter. I was very vocal that I did NOT want this mishap / mistake to affect my credit or my Care Credit card.

On June 19th [protected] at 10:03 AM) I spoke with a very nice young man. I informed him of the situation, and he also stated he would asst. me in getting this resolved and assured me my account was still in good standing. Even though Care Credit continued to pull 1807.00 from my bank account AFTER I had asked multiple times to turn autopay off and stop this activity, I still made a 500.00 payment with him over the phone.

At this point, I feel as though Care Credit / Synchrony Bank are not interested in helping their customers resolve concerns and that is sad. I have encouraged so many people to use Care Credit, my own adult children, friends, and patients I care for. Clearly, I am now wondering if I did the right thing as I would hate to think they would ever be treated this way on my recommendation.

Thank You for your time.

Respectfully,

Kimberly S. Jones

16828 127th Ave CT E

Puyallup, WA 98374

PHONE: [protected]

EMAIL: [protected]@yahoo.com

Care Credit Care Acct Number: [protected]

Care Credit closed my account due to one missed payment. I had switched bank accounts and had missed setting care credit up. My fault.. I know. But i did pay it once I realized!

Fast forward to today 7/11/23 I log in and it shows my account closed. When I called in to speak with someone I was told that they closed it due to June's missed payment and that they would not reopen the account and if I wanted to reapply again I could. That will ding my credit all over again and I'll probably get denied because I still have an open balance with them. I feel like this is an unfair business practice

My payment didn't go through this June, and I don't understand why since there is no evidence of it being pulled from my account, and I also have an overdraft. They say funds were not available, and they were. I have one account for paying these bills and a high balance. Same scenario last year - they reported this happened in Nov of 2022. Due to 2 of these transitions in the last 10 years, they closed my account without notice. I was only notified through a credit monitoring agency. I called care credit, and they were not interested in hearing my side or working with me.

HELLO! I have contacted your team multiple times now since MARCH?!?! My promotional balance expires in JULY and I made a payment of $514 and it still has not been transferred over to clear the balance and was put towards a different balance on the account….I did have another payment cleared because I needed two done, but this last one expiring JULY is still not cleared. It should NOT take this long?!?!