I'm a first time home buyer, An I was referred to Credit care by my lender Wess at USA Mortgage and John helped me with my credit report even gave me a informative review of my credit report too. So now I am even more happy to know what to do in order to obtain my home thanks credit care indeed from WILL Harvey
Review by Sougatt2 months ago
I used care credit for a year. I paid off my balance in November 2019. In March 2020 I looked at my credit report and it shows a balance owed of 1200.00 with all payments made on time and current. The balance should be 0. I called them and they told me..." Dont worry about it!". I'm closing this account.
Review by Awanis Derrow2 months ago
Care Credit is absolutely awful. They robbed me of so much money for the last 6 months. I knew what I was dealing with when they started harassing me for payments only after a month of getting dental surgery. I would call and complain, but from reading these reviews, I can see there's no use. I just paid them off in full, and I'm still waiting for them to find some kind of way to rob me some more. Care Credit is absolutely awful!
Review by KarmaDorje2 months ago
They have a bad system for verifying their own customers. The process has difficulty verifying their own customers. I felt they were rude and didn't want to help me. I still do not have access to my own account and had to unenroll from paperless to regular mail so that I can stay up to date with my account. I no longer wish to be a customer after many years. Be aware that this process include taking a 30 second video of yourself. This can be embarrassing for some people who don't feel comfortable with their methods.
Review by Magichmmm2 months ago
I make numerous payments a month to pay off "promotional periods" quicker, however care credit allocates your payments where they see fit, causing you to believe promotional periods are paid off - when they aren't, and they they charge you outrageous on interest. I ended up paying close to $500 in interest that I shouldn't have since I paid off my promotional periods, but care credit allotted my money elsewhere. Company sucks, customer service is even worse.
Review by Mologie3 months ago
we have had this account for 2 years never late always paid on time and paid more than the minimum due i'am joint holder on account and they decided to pull husbands report and his credit had changed so they decided to lower our credit over 1200.00 this will effect my credit all of this going on during the pandemic . all these companies doing this crap need to be sued or something this is wrong during a crisis . they only care about their greedy self crap company for sure !!!!!!!!!!!!!!100%
Review by Iuguesr3 months ago
I am very disappointed with the customer service with carecredit. I called twice about questions with my credit card statement and both times I didn't get the help I needed. The agents I talked to seem so unknowlegeable. The agent I spoke to today was asking me about my statement in February when he could have looked it up himself.
I would love to complain but I don't see any option available to complain.
Review by Jimspriggs3 months ago
Having a name like care credit is a joke when this company closes a credit line on a consumer that paid off her balance!!! While other creditors are assisting consumers during the Covid19 crisis, care credit thought it would be in their best interest to close my account since I had a 0 balance rather than allowing me the peace of mind of having available credit at a time of crisis! I will not be recommending this company to anyone and I will definitely be sure to let my experience be known! Unsympathetic a******'s. Consumers beware!!!
Review by MrsCM3 months ago
You can pay your bill on time for years but they run your credit every month to see your score. If they do not like it they will close your account (regardless of you're payment history with them and your score consistently increasing) and as soon as you pay your balance down to $0, they add "remarks" to your credit and close your account without any prior notice. This will drop your score substantially and the representatives will simply tell you to wait for a letter in the mail. Do not use this company. They will damage you in the long run.
Review by Lamb Mallory3 months ago
They take advantage of people who need help! They get their money and then some! If you don't pay by 12 months you have to pay all the interest of all the 12 months. Even if you were making payments. The money goes to the most recent charge. So you think you are paying off your old account but you are paying the most recent and then in 12 months you pay 800$ in fees! BEWARE!
Review by Henye Derrow3 months ago
Ok just realized i was ripped off $400 on interests
For not paying off the remaining 500$ in 1 year....
Never ever doing this again...
Review by Noan3 months ago
I had to get this card to pay for a vet bill to save my dog. The vet offered this card when I was in an emotional state. I had to use it again to put my dog in the hospital for a week and still ended up having to put him down. Now I'm left with a $4,000 bill and a 26% interest rate. I will never pay it off. Also, I have been waiting for a customer service rep for the past 30 minutes!
Review by Channyuk Leknickas3 months ago
This card closed my account without my knowledge and based it on fraudulent activity on my credit report that I have not done. I would not recommend this card because they don't care if you pay on time and can close at any time. Now I have no card for the dentist after covid is over and my transunion report was cleared but it doesn't matter they already closed it and said I have to reapply. Don't get this card they don't care and will close it anyway even in a pandemic. I called to ask them to do a credit bureaus check to see if they can reopen as my credit does not have the false negative marks. They said no this is why I hate credit it's not even based of something I did wrong and I'm still penalized by carecredit
Review by LaShanda Podiephatshwa3 months ago
Paid my balance in full and then I get a credit alert from my credit monitoring saying I had a closed account recently. So I check my credit report and guess what they closed my account without my consent and it drops my credit score by over 30 points by closing the account. I have excellent credit and have never paid them late. I call to find out why they did this and they can't give me a straight answer and says it has to do with my credit and I will receive a letter as to why they closed it. I have over a 775 credit score or had that score before they closed my account and they claim it was closed because of things on my credit... I have no balances on any of my credit cards with other banks, but all they could keep telling me is it's my credit is why they closed it. DO NOT EVER GET THIS CARD!!!
Review by Annalin3 months ago
Ok my experience with this credit company was awful ! First yay I'm approved for a amount way under what i needed! Ok so i tell them no i don't wish to accept their loan. I'm already approved excuse me? I believe i should have the right as a consumer to chose if i wish to accept the terms.Nope not what i got so i tell the lady wish to cancel nope i had to WAIT 3 DAYS TO CANCEL! Are you kidding me!!?? Nope not at all plus it's on my credit!! Oh and they wont let you speak to the supervisor horribly run company!!
Review by Shonda Ducharme3 months ago
It's disheartening to hear that during this pandemic "CARE" Credit it not offering relief to it's customers. Yes they offered to defer a payment to "help" me out but since my promotional purchase expires next month if I do not pay in full I will incur all of the interest charges. Please explain how deferring my payment will help me? Deferring my payment will help THEM as it will cost me way more in the long run. Ridiculous.
Review by Yailine3 months ago
You will literally be paying on this card for 12 years if you follow the steps they prompt you to do. Your balance will increase monthly instead of decrease && when you call to try to fix matters they'll only make them worse && say "I'm sorry. It's policy. Wish there was more I could do."
Review by Boulben4 months ago
So the facility I used offered 24 month 0 interest after I signed and was charged my account now shows minimum payment of 330$. I was never under the disclosure the payments were going to be so high. Contacted care credit said nothing they can do it's the merchants option to lower or change it. I think this is a $#*! show way to con someone in with the sound of a good deal. Since then I closed my account I will wait 2 years settle for a lesser debt and be back where I was. Paid half the amount and go living life.
Review by Dircio4 months ago
We have this card for years now and today, our balance is $0. Last time, we have used Care Credit for a pet charity.Through our credit monitoring service, we have just learned that they decreased our credit limit, at a time when potentially people can use this card. Both me and my husband share this card, and we both have a steady high credit score. In other words, no reason to modify this limit other than trying to preempt people to use a HEALTH credit card during a pandemic.
Review by JasonBray4 months ago
They use fraud and deceptive business practices. This is the last company you want to do business with.
Review by Scrawny4 months ago
my last bill was only 199$ but they charged me 398$ without my permission then i called customer care and they were very rude they said they gonna send me check in a moth and the way they talk to me over the phone it looks like they doing a favor to me by giving my money back plz do not take this card and save u r self from fraud and still i m waiting for my money
Review by Mr Horwood4 months ago
Rude foreign customer service rep. They changed my due date. I explained I've made multiple payments in advance to lower my balance in advance. Still docked me a $28 Late Fee. I've made 6 payments in 3 months. Rep talked to me like I was a loser. Very disappointed in the conversation. Nothing was resolved!
Review by Darva4 months ago
CareCredit will not accept anything but a bank account routing number when attempting to pay the balance online. This means you cannot pay with a Debit card or HSA debit card without calling then and incurring a $10 charge to have a representative do it. I have to call and wait on hold every single time I make a monthly payment by HSA debit card. The other trouble is that the Dentist offices that use this service do not completely explain CareCredit payment options. The interest rates are very high, and I will be shredding the card and closing the account once the balance is paid off.
Review by Guldager4 months ago
I took out the careCredit loan for an unexpected , high vet bill. I was working FT and had no trouble making payments. In fact, my monthly payments were $25 and yet I paid $75, every month.for over a year. I only owed about 150 more when my payment arrived, I was told, stamped " a few minutes after midnight" of the due date. It was holiday season and there had been storms, which likely delayed it.However, even tho i had paid 50 dollrs OVER the amount due for more than a year, I was charged a $75 late fee. I refused to pay it and went up up up the ladder, where the final person said, ok, and don't use care credit again. Oh NO WORRIES there!!!. They were rude, condescending, demeaning. I have no receipt left; this was too long ago for that,The loan It was For the Nottingham Pet Clinic in Syracuse ny.
Review by Maharatia Derrow4 months ago
The worst credit card company ever. Watch your bills closely because they will sign you up for insurance without asking. Make sure you pay your debt off before the interest kicks in because if you don't you will never catch up to their 26% interest rate. They are thieves and do not care about you or your situation.