PHILADELPHIA, PENNSYLVANIA -- Never helpful when dealing with these Reps. I called months ago asking if I could make my payments on the 26th of each month instead of the 25th which they said yes but yet I still get charged a late fee because they never changed the date. So I call because I made my payment on the 26th again as I have been the last 2yrs. When I call the representative tells me, “Oh sorry you gotta pay because whoever you spoke to prior didn't put it in their notes.” So how is that my fault. I use my Care Credit a lot but will be canceling mine's and my parent's cards because they are the worst and the customer service is horrible.
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.
DALLAS, TEXAS -- First off - worst customer service ever. Interest DESTROYS you!! It's a scam. If you take too long to pay it off, they bury you with insane interest fees. One minute you have $350 in available credit. The next you have $50. And you haven't made a purchase since! They won't work with you even if you call and ask... It's either close the account or get **. I would NOT advise anyone to open one of these accounts!! They are outright THIEVES!
ORLANDO, FLORIDA -- Other reviews for this bank have been less than good. However, my wife talked to someone named Tara, and not only was Tara respectful and helpful, she helped my wife get things settled to everyone's satisfaction. I will never deal with them again because in today's market a 27% interest rate should be illegal. It rates right up there with payday loans.
OHIO -- Care Credit is the worst credit card to have. Their customer service is horrible. The management was rude. When I ask a question they refuse to answer it and they kept repeating their self and when I ask to talk to a manager the manager wanted to know why I wanted to talk to management. And I told them why and they said the customer care person answering the phone already answered my question which state did not. Care Credit is the worst credit card to have.
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.
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.