ANCHORAGE, ALASKA -- They say they don't charge interest. But they actually do. It is charged in the first few months of using it and you start paying on it right away. On a $1,500 line, I had a 12 month promotional period of "No interest charged" if paid within 12 months. Total lies! They started charging interest immediately plus they charge service fees! Within those 8 months I had to pay $370 something in service fees and more than $125 in interest... on an interest free loan... wtf. Total crap company. I would never recommend them to anyone and I am actually going to as many reviews sites as possible in an effort to help people make the RIGHT choice and FORGET CareCredit. Total scammers!
LOS ANGELES, CALIFORNIA -- I lost my healthcare PPO plan with my doctors I liked thanks to Obamacare. Now I have nothing. So I applied for CareCredit for emergency if I need dentist or my annual mammogram. I have had the card one year. I was approved for 1,000. I never used the card as I didn't have to.
Then out of the blue I get a letter that my account “HAS BEEN CLOSED DUE TO LACK OF ACTIVITY“. When I called to ask customer service Why -where was this in the agreement terms she put me on hold a long time then announced that it's IN the terms. I said what is the EXACT wording. “Synchrony Bank reserves the right to close the account due to inactivity”. But it doesn't say HOW LONG THAT PERIOD IS - eg. 12 mos? 2 yrs? 6 mos?
Of COURSE I would have bought a prescription or something to keep it open rather than have to reapply. So basically you're punished and it HURTS your credit rating that they out of the blue kill your account. Now with more damaged credit score good luck being re-upped. But after reading all the scammy Mc scam in these other entries I feel like it's been done me a favor to not reapply.
What a shady outfit. Banks suck in general as they are the greediest and most dishonest business. Period. But this is THE ONLY CREDIT CARD that can be used just for medical so it should be a lifesaver backup. NOPE! And I have a paralegal degree so I can read a contract thank you. My request to speak with the legal dept was DENIED. You will not get beyond their cubicle human bots who read only the script and Will NOT help you.
I am appalled at the rudeness of the customer service agents. Two of the people I spoke with yesterday, asking for help regarding my account, were not only less than helpful but were actually very mean. This is not the first time the customer service reps have been rude. After being kept on hold for 32 minutes, one of them -- a manager, no less -- told me she could not wait longer than two minutes for me to get my husband on the phone to confirm that I was allowed to access our account. When I refuted this, she said, "Actually, I am under no obligation to wait at all for you" and then hung up on me! WHAATT?
This same person also argued for a good 5 minutes that the customer service phone line is available 24/7 but on the Synchrony site it says M-F 9-5. More than just the way they treat their customers on the phone, the company is sneaky in their practices. Some providers will offer promotional purchases -- like 6 months no interest. However, some don't or will only offer it for purchases over a certain amount.
If you have both promos and regular charges on your account, CareCredit will apply your payment to the promo (no interest) first unless you call and tell them to apply it to the high interest (23.9%) purchases first. So it is VERY easy to get huge interest charges building up very quickly, without being aware. It is a deceptive, awful company. I do not recommend them at all.
ORLANDO, FLORIDA -- I just found out the by diligently paying off a monthly minimum balance without using my card my credit card balance started rising. I called the customer service agent and asked them why my balance had increased by $186 between last month and this month without any purchase. They said, "That is the interest you are earning." This card increases the interest so that YOU CAN NEVER PAY OFF THE BALANCE ON THE CARD. I recommend all customer complain about the 0% credit card that if you get behind starts adding money to your card and you can never pay off the card.
LAKE CITY, FLORIDA -- I've been paying this company every month for 6 months straight and my bill has dropped $40 out of $200. They said because I did not take the promotion they offered that they are charging additional interest of 67$ on top of my standard interest. I was 3 days late and they charge me 34 late fee. This company is a thief and scam artist. I do not recommend this company to anyone that wants to get their credit help.
FLORIDA -- DONT USE THIS PLACE! IT'S THE BIGGEST RIPOFF EVER! Sure it sounds good but their customer service sucks! They have no reliable website for online payments, you can never get a live person, you go round and round with the stupid automated system & can never get any of your problems solved. Which of course results in excess charges from them. I wish I had never done this.
SEATTLE, WASHINGTON -- Online payment was extremely frustrating. After inputting 4 times, called customer service number to make payment. The same impossible experience. Would not take my input. Would take you to customer service before having enough time to input account number. And if you complete transaction with a live person it costs you $10. So they have no incentive to make payments user friendly and if you are late one day in making a payment, they charge 27+%! Caveat emptor!
I just got off the phone with a CareCredit customer service rep, and I was hoping they would actually have me complete the survey they promised at the end of our call because I would have been happy to air my grievance there. But, no surprise, there was no survey after our call, so I'll grieve here instead.
A previous reviewer talked about the rudeness of the customer service reps--100% agreement! First I was given a woman with such a thick accent that I couldn't understand a word she said. Wanting to be kind, I told her that her accent was beautiful, but that my hearing wasn't great and I was having trouble understanding her, and asked if I could speak with someone else. She sent me to a whole different department (merchant services) that couldn't help me at all, and they sent me back to customer service. This time. I got a rude lady (no accent). She had zero skill in soothing a customer's ruffled feathers--why are people like this given customer service jobs?
I complained that even though I faithfully make my monthly payment on time, and pay my full balances within the demanded time, I have been charged interest and a fee this year on my balance. She explained (in a tone that sounded like, "You idiot, you should know this") that a portion of my bill had been "non-promotional"--she kept repeating this phrase as though I should know exactly what that meant. I finally told her I didn't know what she meant by "non-promotional", and only then did she go out of her way to explain that if your bill is under $200, you get charged interest until that portion is paid off!
I also told her that the chat feature which their site claims to have was nowhere in sight on my computer. She said to go to Internet Explorer instead of Google Chrome and it would most likely be there. I tried that and, again, there was no chat link to be found. She said, "Well, I'm on that page and I see it on mine"--in that same condescending tone, as though she was certain I was looking straight at that chat button but was just too stupid to see it. Never did resolve that one--the chat feature simply wasn't there. Last thing I needed was a copy of an old statement which wouldn't print at the time I tried to print it (Their site is tweaky sometimes and won't cough up what you need).
She asked if I wanted a paper statement sent. Suspecting hidden charges on everything with this company, I asked if there was a charge for that, and she informed me in her "what idiot wouldn't know there was a charge?" tone that it would cost me $4. In surprise, I mused, "A $4 charge..." Her cold response: "Yep." Very short with me, very uncharming, terrible representative of the company. I told her I would be glad to respond to their promised survey--but that never came. I had been telling others about CareCredit and right now have two friends who were going to look into getting it for their vet needs. I will advise them otherwise.
DRAPER, UTAH -- This is the most USELESS operation I think I have ever experienced. I applied for this credit with a credit score of 720 in which I think is very good for this day and age. And it asked for the amount that I needed to borrow which was $3400. After I hit the go link, I was automatically approved. All good. But it only gave me a $800 credit. Now my credit is in the good range and I told it the amount that I needed but it chopped 30 points off my credit which puts me into the average in credit score and all for nothing. The card is useless to me and now my credit score is butchered.
So I call to cancel this useless card. Now they say that it could affect my credit score as a bad creditor and butcher yet more points. This is by far the worst line of credit for medical there is and definitely a disaster to your credit. So if you have a miracle doctor that still only charges a few bucks for visits or a dentist that's under $1000 that you can use then maybe this is good for you. BUT if you have a perfect credit then you won't need these crooks. Stay away from these crooks.
This is an open letter to anyone interested in open a Care Credit account. Simply do not do it. My fiancée had to get some dental work done, which was not covered by insurance at the time. So the dentist offered her a Care Credit card with should be paid in full over the course of a 12 month period. Well what they do not tell you is how ** terrible their services really are; after “paying” online for the first 3 months through their website; it turns out none of those payments ever went through; so she incurred $125 in late payment charges for the first 3 months, taking her original payment from $504 to $650.
Over the course of the next 4 months from January until now she has paid $100 a month for the last 4 months. Her bill in January was $554. For Feb was $454. For Mar was $254 and paid. It was down to $154 and now this month it's back to its original cost of $504.
These people are shady and need to be investigated with a lawsuit of fair practices and debt collection. They literally add on a $10 or $11 charge every time you call them to make a payment since their web service sucks so bad. On top of that the “No interest charge” is a ** lie since they will charge you interest on everything that is not the original payment. "Oh you have a late payment." HAHAHA INTEREST. "Oh you called us about your account." HAHAHAHA INTEREST. We have sent in our bank statements to prove that we have paid the last 4 months without being late, and they “HAVE NOT RECEIVED THEM”.