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.
MIAMI, FLORIDA -- So I applied for care credit, I was told I would pay my monthly payments including the interest. My balance never goes down, they might waive late fees but not the interest on the late fees. Total hamster wheel customer service, weird accents so you can't understand what they are saying. You'll die of old age before you end up paying this card. The minimum payment will only make you pay more interest on your next bill. Beware of these money sucking vampires. Care credit CEO must not be human at all.
I needed a bridge. It was going to cost $2,500. but I would only put half that on this card that I got from the dentist office. The office worker said "It's 18 months w/no interest." Wow, this is just what I would need. I had done that w/ Home Depot w/a small hitch. I call those places to make sure what the rules are so there is no mistake about the terms.
After Home Depot told me the terms, I made the payments and then paid off the remainder before the end of the time period. There was no problem w/Home Depots two credit cards that I had and once I paid them off, I cancelled them so I wouldn't be tempted to buy anymore stuff at the regular percentage rate. So, I hoped that CareCredit would be the same. It was easy to get a credit line of $5,500. online. I assume that even someone who didn't have great credit would probably have gotten at least a small credit line.
I stay on top of these places and I hate credit cards in general, so I didn't think I'd have a problem. I was going to use my equity line of credit w/my bank at 3%. Why didn't I? Nope, I had to be stupid and get the CareCredit Credit Card.
There were problems. When I called the first time, I got an American w/a slight southern accent. She told me that I couldn't pay payments in advance because the company would think it is a principle only payment and then at the regular time, my payment would be due. Can I write "Payment, not principle only payment." on my check?
Nope was the answer. Just don't make them too soon she said. Okay. But with further inquiry I also found out that I had a small window in which to get the payment there, and I had to allow them 10 days in which to make the payment, but it better not be late, during those ten days. So don't send the payment too early or too late. Send it just right.
Okay, I think I can do that. My husband needed an upper plate. So I put an additional $1,100. on the plan. Interest started showing up. Wait, I called to ask why I was being charged interest when it's supposed to be 18 months w/no interest. I get someone from some country who sounded suspiciously like India. The woman said in her broken English, the second loan was not on the special. I said I didn't see that on my statement, nor on line.
She get irritated and said "It is clearly marked on the statement and online. Is there anything else I can help you with." I said "Yes, learn better English." She said "Excuse me?" I said it again, and again "Excuse me?" I thought what part of Learn better English didn't she understand. She said "Have a good day and hung up."
When I looked at my account the next day, an additional $90. showed up I guess because I made her mad, but she had made me mad by stating that it was clearly printed both in my statement and online that no other loan on the account will be under the 18 months, no interest. I took the rest of my balance minus the $90 and paid it off w/a letter that I didn't feel that just because I irritated that woman that I should have to pay the $90. so they took it off. However, I still had a balance of a little over five dollars. I paid that gladly to get them out of my hair.
Now my interest on $1,800 on my home equity loan is less than $4. per month. I should have done that in the first place. Now I've learned my lesson, but wait, there's more. I was talking to my nephew and told him about that experience and he told me he had a very, very similar experience w/the same exact company. And he did the exact same thing as I did. So just go to your bank, not CareCredit, Please.
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.
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!
ORLANDO, FLORIDA -- Care Credit/ G. E. Financial. They are complete crooks. Extremely deceiving. Judging from the cold tone of their customer service reps, I knew they get these calls all the time disputing their unethical and probably illegal way of doing business- which is why I just searched the internet, which just confirmed that.
I send payments well in advance, but they PROCESS my payments the day AFTER the due date, constantly, to charge MASSIVE penalties... Their bills (for dental care done) are so very misleading- I thought I was paying as scheduled to avoid finance charges, long story short, I wanted to review my account - which I thought I was current on. I called and asked for them to go over my payment history and the customer service person tells me he can only look at my payment history for the last 90 days, anything before is "archived" and I have to write a whole letter by snail mail of course, and wait for a letter back.
He added that if I didn't pay the remaining 500 bucks they allege I owe by the next day (when they ALLEGE) it's due, I would be hit with more charges- 39 late fee plus finance charges as well- EVEN though I'm disputing it! He says the dispute doesn't start until they confirm that they receive and process my letter- what a joke.
I already paid them much more than I borrowed and I CAN NEVER GET A Straight answer from them, other than recommending I write letters... Oh, and whenever you call, you'll hear a message something like "that due to high call volume it can take a long time to speak w/ a rep.." Gee, I wonder why they get so many calls... Do not use care credit. It is a scam. They will suck the life out of you and you will somehow owe them a lot more than you think you will have to pay. Even if you read the fine print with a fine toothed comb. **
CAPE CORAL, FLORIDA -- Hi, my name is **. 33yrs Male, Florida. I have worked since Age 14. Recently I needed a Root Canal. Cost: $1900. In this economy I just do not have it. All in all I need braces... badly & I've never had a cavity until I turned 30yrs old. Anyway, due to my financial status right now I could only afford to get the tooth pulled for $245. I am currently on unemployment and my fiancee works 2 jobs to keep it all together for now.
With her 3 kids and our 1 yr old girl together we're just making it. At the end of 2008 she applied for CARE CREDIT for the kids and was turned down. NOTE: She holds 2 JOBS & is a HOMEOWNER by Private Lender who doesn't report to credit agencies. I myself who has a better Credit Score than she does 662+... 700+ at other credit reporting agencies, was turned down by Care Credit. Therefore resulting in an extraction instead of a root canal saving my rear right bicuspid. YOU WILL NOT BELIEVE THIS!!!
What they don't know is... My fiancee is a Veterinarian Tech who deals with applying with CARE CREDIT on a regular basis. She told me, recently a man came into the Vet's Office with his dog who needed a $300 job done. My fiancee applied for CARE CREDIT for him there in the office and they gave him a $4000. Credit Limit.
THE REASON WHY SHE APPLIED FOR CARE CREDIT: The man stated to her that "He had no money what so ever." "Because he just got out of PRISON serving a 5 YEAR TERM & he didn't have a job at all?" I have credit. I pay my credit cards on time. I've NEVER been arrested for anything!! SO TELL ME... CARE CREDIT... HOW MUCH ARE YOU GETTING FROM THE GOVERNMENT FOR DELINQUENT ACCOUNTS.
FROM PEOPLE YOU KNOW WILL NEVER PAY 1 PAYMENT. I'm not one to point fingers but someone needs to investigate CARE CREDIT's FRAUDULENT ACTS against the American Taxpayer. BERNIE MADOFF WITH MY TEETH. This is one reason why America is in the hole we're in.. RIGHT NOW!
VIRGINIA -- I had Lasik surgery in October of 2006. I set up a financing plan through the doctors office with Care Credit (GE Money). The plan was set up for 48 months at 9.9% financing. In May of 2007 my husband had dental surgery in which I placed the balance of that surgery onto the Care Credit card. My husband's parent were going to pay the balance off immediately so I only set that plan up for 18 months, 0% interest.
In June of 2007 they sent in a payment for the exact amount of the surgery. Well, in December of 2008 I received my Care Credit that had $1,067 of additional finance charges tacked on. Apparently when my in-laws sent in the payment for the dental surgery Care Credit applied that to my Lasik surgery which ended the 48 month financing plan and switched over to 18, 0%.
Therefore, since I did not pay off the balance in 18 months the finance charges were accessed. I have been on the phone with Care Credit many times and they have refused to work with me. I have offered to pay the balance in full before the finance charges were accessed. They refused. If I had known they could allocate the payments wherever they please I would not have used the card to begin with for my husbands dental plan. I don't think that it is fair that I should have to pay over $1,000 worth of charges. Any advice would be helpful. Thank you.
***UPDATE*** I received a response from Care Credit/GE via the OTS (fair crediting organization) that they were refunding all of the finance charges that I had to pay ($1,067.67) because they should have never changed my finance plan to begin with because the medical facility never contacted them in writing to do so. The OTS contacted Care Credit/GE Money and I promptly received an appropriate response. Never give up when credit card companies are trying to hassle you.