CareCredit Avis 

I was not informed regarding the $200 minimum per charge in order to receive the no interest benefit for 6 months. My dentist provided my procedure over 2 visits in the same week and submitted separate charges of $197 for each visit that week. Over 5 months, I made payments that would pay the balance of the completed procedure in full. Unbeknown to me interest was being added each month so by the 5th month the balance was more than the final payment should have been. AND then when I paid the final amount in full on the 5th month I received an additional bill just for additional interest even though the full amount billed plus all the preceding interest had been paid in full early. When I called to discuss this Synchrony was very dismissive with no logical explanation especially for the final bill that was just for additional interest after the bill had already been paid in full. I am shredding this card. I do not trust this company to be honest or transparent.

Their website doesn't provide a link to dispute billing error. Instead, you are referred to FAQ library which erroneously states a bogus access link. Their live chat option is bogus, it refers you to FAQs. My problem: I have been enrolled in their paperless billing option from day one... several months now...yet, I am billed a paper billing statement each month for a statement that is never received... nor is a an eBill sent to my email address. Their website provides no links to resolve problems, instead extensive wordy descriptions of non-relevant information.

I recently used Care Credit to pay for the out of pocket portion of a surgery bill. That makes it much easier to plan my budget without paying interest. In the past, I've used it for lens implants after cataract surgery and a dental procedure. The MAIN thing I use it for is unexpected vet bills. It's awful to see a pet sick and have to count the days til payday to go to the vet. Care Credit eliminates that. I appreciate their zero-percent interest when paid within the time frame - saves me money. Customer service is always great. I also like their online portal. Unlike many companies, it's easy to see everything about your account and make any changes needed. A terrific benefit!

This credit card is a joke dont get it, they have screwed my credit up, i opened the card with a 5000 credit limit i used it, and then paid off within a year, then had another use for it so i used 5000 again then paid down half of it only too find out they decreased the credit to 2600 and reported to trans union that i was at 90% and they tagged my credit for 32 points. These guys dont care about ther people. So now i am gonna pay it off.

I had 3 transactions 2 were interest free and 1 was not. I paid off one of the interest free charges then I noticed I was being charged interest on the one that was not interest free. Nothing on the app shows that I have a balance on the charge. All of a sudden they charged interest. Tried calling and left on hold forever. Finally someone answered but wouldn’t do anything about it. I have 3 accounts with synchrony bank and I closed all three. Maybe they shouldn’t outsource customer service to a foreign country and let a real person who doesn’t read a script answer the phone. Lots of doctors and vets push care credit but there are better options out there.

Be aware!!! I have to call numerous times because they kept changing costs even when u pay on time for the promotion. I just advise EVERYONE be on top of your finances and promotion deals and balances with them because they are constantly “making mistakes”. I had to call three times in 1 month because I noticed they changed the price! If you don’t pay attention they will let it go and charge you more.

This place extorts steals and robs people blind and then they spend hours gaslighting you and patronizing you and when you call them out on their bullshit in their lies, they tell you they don’t wanna speak to you anymore because you’re not being polite. I’ve made my payment every month on time, but they reject my payment for some stupid reason that they can’t even explain and then charge me with late fees and then charge me a $75 fee on top of that late fee even though I made my payment on time and then when I asked how to close my account out he ran games around me and did not want to provide me that or provide me a number so that I could close my account out. I will never use this card and as soon as I can figure out how to do it, it will be closed. Shame on you CareCredit. All you do is play on poor innocent people trying to take care of their dog and you monopolized on it. Shame on you do better.

This company is a joke. I have yet to read one good review. These guys reached out to me when I had some teeth pulled and a partial made. They called me offering their 0% interest payments which I did with the condition that my payments were set up automatically to pull out the right amount to have my bill payed off in the time frame. Which the representative said she could do and did do. More than half of the term of the lone later , I decide to look at my bill statement and realize that i'm being charged the minimum payment. They are deceptive and dont do what they say they are going to. And I have to go to my bank to get them removed because they're tied directly to my back account not just my debt checking line. Do not do business with this place. And all of us who've been ripped off ned to get a class action lawsuit going...

I'm writing this as a PROVIDER. These guys messed up a patient transaction. I'm located in Encinitas. They made the transaction for a location in Los Angeles and they didn't even give me my funds.

I dont want to continue working with them. It isn't clients that are bothered-- providers also don't like em.

Do not do business with Care Credit because they are nothing more than a loan shark. I dealt in good faith and they are not even open to negotiating a fair and equitable way of repaying just added horrendous interest charges. BUYER BEWARE!!!!!!!!

Worse experience ever ! Do not use these guys because you will be ripped off! I signed up through my dental office for invasline to pay off because they recommended them for the 0% interest. But it’s a trap! The second you enroll with these guys they hit you with card insurance for 1.6 of what you owe. Like seriously? I never missed a payment and I dumbly set up auto pay not checking it bc I was like it’ll be payed soon. I was very stupid to not check in because to my horror 1000 of my dollars went to some insurance for a card I don’t even use! I am beyond pissed. I’m working and hoping to get my money back.

Beware of hidden fees and credit reduction with just cause and notification!!!!

They charged me an extra 10 bucks for some card security, then somehow my payment was late and that’s a 30 dollar fee. I finally settled everything and went to make my due payment and they charged me literally my whole bill. Idk how a 67 dollar payment became a 671 dollar payment. I called to dispute and they said I had to wait 10 days. But I’m actually looking at the statements and it’s supposed to be interest free for a year and they’ve been charging interest to me. How can a late payment be more than my minimum payment?

Worst credit card ever!! Never use this card. They are scumbags that take advantage of someone and do not care you pay more than the minimum payment each month to turn around and charge you $81. Interest charge. When I called these POS they basically told me this is what I signed up for. Well I'll make it my mission to tell the world how sorry you are. It should be illegal what they get away with.

AN ABSOLUTE NIGHTMARE.
If you are thinking about opening a CareCredit account, READ THE REVIEWS FIRST. I wish I did !!!
DO NOT OPEN A CARECREDIT CARD.
This has been one of the most frustrating financial experiences I have ever had. After I PAID OFF MY ENTIRE BALANCE (which was increasing 35% + every month) I received another $76 interest charge afterward. And when you try to fight it, you discover it's impossible to get any support.
What I thought was simply a way to finance a bill turned into a constant cycle of charges, confusion, and frustration. Once you're in, it feels like there is always another fee, another charge, another obstacle.
I am sharing this because I wish someone had warned me before I opened the account.
PLEASE READ THE REVIEWS. DO YOUR RESEARCH.
For me, the lesson is very clear:
NEVER. AGAIN.
STAY AWAY FROM CARECREDIT.

I tried to apply for Care Credit. They send a link to open and you have to do a video of your face but even though you give access to your camera fir this step you cannot continue to take the picture. All I get is my camera is not working even though I gave access. I did a diagnostic check and there is nothing wrong with the camera on my iphone. I called Synchrony to tell them the link is not working and they are not very helpful. Keep telling me to try again but I get the same result and then after about 3-4 tries the link does not even ask for access to your camera. I talked to an Apple tech and he said it is not my phone camera. I call Synchrony and get told by a manager they can send me something to mail in and that it can take 30 days to process. I said I will try the link again and still does not work so when I call back to request the mail in process they tell me they don't do that. Very poor customer service.

Received a line of credit for LASIK. Apparently the line of credit had promotional financing that expired 1 year later. They expect you to download a pdf statement to see this information otherwise the expiration of the promotional financing was buried at the bottom of an email. There is zero notification through the portal you are asked to join on MySynchrony to view and pay your bill. I payed the just over the minimum for a year and randomly logged in to discover I had been back-charged the interest from the start. I now owe more than the original amount. When I called to ask if they could roll it back and let me pay off the credit line they bounced me between account managers who said their manager could not take phone calls. They each said that, "there was a 30 day grace period, but because you are 2 days after the end of that period there is nothing they can do, you should have checked your monthly statements."

They were very sneaky at charging the back-interest and completely unyielding when on the phone with their customer service call center with managers who had accents so strong they were difficult to understand.

The lack of transparency alone is a huge reason to avoid using their service. I wasn't given a choice as they were what the LASIK center used. I feel scammed and cheated and hate carecredit for not caring at all. Avoid at all costs.

I used my credit card and the next day they closed my account due to inactivity. Now I cannot go online and pay or look up my balance. They could tell me that there is a direct payment option that is set up from years ago and will be coming out each month. They would NOT tell me which account this money will be coming out of!

I have used Care Credit for chiropractic care for about 3 years, and although they had a "No interest promotion" running when I signed up, they still charged me 32-37 percent interest. I submit payments well over the payment amount, and have stopped using the card, but cannot seem to get it paid off. I have another credit card with a reputable bank which offers 0% interest if paid off within one year. I have been trying to transfer the Care Credit balance and they refuse to transfer it. I have called Care Credit and was told "No, we don't do that". When I asked the lady that I spoke with, "so I can't use a credit card and pay this off?" she replied with a solid "no". Care Credit is a ripoff! I like the Synchrony site, in that I have all of my credit cards right there when I sign in, but Care Credit sucks.

Don’t use Care Credit!
After settling my bill in full, I was shocked to find additional, unauthorized interest fees tacked onto my account after the transaction had already been completed. When a customer pays a final bill, the transaction should be closed. Sneaking in extra charges after the fact is completely unethical, misleading, and borders on outright fraud.