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!
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”.
ORLANDO, FLORIDA -- After no contact for a year, these lowlifes start charging me 29% interest, I find out and want to pay off the $300 I owe (I have been on automatic payment for 11 months). Four days before my call they tacked on almost $400 interest for the past year. I want to pay the whole thing off, and that is now almost $800.
It also took over an hour on hold before I could talk to anyone in a managerial capacity as they only have one line from customer service to management and it is always busy. These people did not notify me of anything, no emails, no snail mail, nothing, they tack on all this interest without an opportunity to pay off the balance. This company should be investigated and put out of business.
BROOKLYN, NEW YORK -- Received CareCredit approval on the 12/29/2016 for a tested glasses. I didn't want to run my credit for that but at the doctor's office they told me the one my personal insurance offer won't help me, so they offer to get me another through CareCredit. I gave in they ran my credit. I was approved on the spot for $1500 CareCredit. The lady at the doctor's office said, "You received a discount," so I would only pay $950. CareCredit reported the purchase to my credit on the 12/ 31/2016 with a zero balance.
I received an alert on the 1/17/2017 that my account was flagged and closed with a balance of 950. The craziest part of that is the glasses wasn't ready for me to pick up until the 1/17/2017. I went back to the doctor's office, inform them about what took place with CareCredit, and also told them when they wanted to give the product to me that I don't need it anymore.
I called CareCredit and spoke to Customer Care. They told me that they're sending me a mail to say what happened. CareCredit accounts manager said he can't give me the details of why they approve me for credit so fast and closed the account so fast without as much as a call to me. I was told by him they're sending me a letter to state the reason. I called Experian credit tracker and reported it to them so they immediately put it into dispute right away. Something is definitely not right here. This to me is very shady. I wouldn't recommend CareCredit to anyone.
WHITE PLAINS, GEORGIA -- I have been using Care Credit for about 8 years now and I have never had an issue with them. I have had over $8,000 worth of dental work over the years and Care Credit has been a life saver for me. I have only had to call once to increase my credit line and the representative was friendly and helpful. If you read the contract, pay like you are supposed to, you will not have a problem with this company.
TEXAS -- My son ended up needing a lot of dental work (he has prenatal issues with his baby teeth). My dentist scared me into using CareCredit to finance it (I later changed dentists and discovered this one was charging exorbitant prices too). I have been making on time payments for almost 4 years now on this. I financed $2.5k and I have now paid over $3.2k and the balance is still well over $2k. It should have come down almost $1k and it hasn't even come down $500.
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!
Every time I use their service it's horrible. They are always charging my saving account instead of my checking out. Plus I changed it to correct it. I made sure I check the number. They still charged my account. I will never use the online payment again. I will always make sure I have my bank info and pay over the phone. The staff always screws up your payment and they will not refund your 30 dollars for their mistake. So I'm putting them on blast. Always call in for your payments.