Care Credit - Page 3

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2.3 out of 5, based on 3 ratings and
34 reviews & complaints.

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Applying for Care Credit "What A Hassle" for Dental Work, Applying For Care Credit For Pets "Easy as 1-2-3" ????
Posted by on
NASHVILLE, TENNESSEE -- Well okay I am 25 years old female with 2 toddlers 4 and 3 years old, and fiance who is 29. I myself have no dental insurance what so ever and have always taken care care of my teeth....then I find out 2 in 2009 I have 7 absecced teeth and was int the bed for over 4 months bc NOT ONE denist would worki with me on payments and I was denied by Care Credit....I don't have the best credit but I have never had 1 credit caqrd in my life. and the only way I finally got help is bc my fanmily had to apply in there name and then I had to have 2 signers on the card...I could have dies from this absessed teeth is NO JOKE IT WILL KILL YOU IF IT GETS IN YOUR BLOOD STREAM,,,BUT THE COMPANIED DON'T CARE????WHY???

OKAY ALSO in 2008 my dog was run over and we rucshed her to vet and was going over the pro and cons of what to do and there was hope for 1yr old boxer baby at first, until they found out we was denied CARE CREDIT AND THEY LOOKED AT US AND SAID SORRY WOULD YOU LIKE TO WATCH OR GO AHEAD AND SAY YOUR GOODBYES WITH A SHOT IN THERE HAND TO PUT HER TO SLEEP....this was as soon as they came in the room to tell us we wasn't approves...COME ON.... WHAT HAS THIS WORLD COME TO!! THEN I READ WHERE A MAN WHO JUST SERVED 5 YEARS IN PENINTETRY GOT APPROVED FOR CARE CREDIT WITH NO JOB OR ANYTHING??? I DON'T GET IT!
     
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Maybe people should pay their bills?
Posted by on
I read all these complaints about Care Credit and they all seem to have one thing in common. The people complaining don't seem to want to pay their bills! I have used Care Credit for may things from doctors to hospitals to veterinarians. I have never had an issue at all with them. I recently let my son use my card to pay a hospital bill. He was 3 days late on one payment and was charged a late fee. I called them and explained everything to them and that I was allowing my son to pay it and they refunded the late fee to him. He then paid it off without incident. They are one of the easiest to deal with that I have ever used. I guess my advice to avoid problems is to PAY YOUR BILLS!
     
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Outrageous APR!!!!! 87+% Unbelievable!!!!!!
Posted by on
ORLANDO FLORIDA -- These credit cards are offered and often recommended by dental offices and doctor's offices. That DOES NOT make them safe!!! I hope that any legitimate physician who cares about their business and patients immediately remove any of their propaganda from their waiting areas!!!

They are even ENDORSED by all of these companies!!!
http://www.carecredit.com/endorsements.html

I took one out when my endodontist recommended it b/c it was interest free for so many months. Indeed, yes, it was. Then I checked my bill. Here is what it said...

If the balance is not paid within the promotional period your APR will default to the percentage on page 3...
(go to page 3)
APR............87%!!!!!!!!!!!!!!!!

Buyer beware... Buyer be AWARE!!!!

Let's just say it WILL be paid off before that happens, but if I had not checked that page 3 info, or if I had continued to simply make the 'recommended payment' (a payment that WILL NOT have you paid off by the end of the promotional period) via the website, I would not have known. It was just luck that I checked that paper bill this month. I would have had to pay 87% on $311. That gets mighty huge, mighty fast.
PLEASE PLEASE PLEASE use wisely!!!!!

I want everyone to highlight their interest rate and have all endorsing medical practices drop their endorsement. Hopefully less people will be taking out credit cards in the future. To me, the only thing that will save the credit card companies IS govt intervention. Unless I know that everyone is following the SAME rules in the credit industry I have no reason to trust any of them, and neither do you. Of course, we shouldn't be trusting everyone now should we? A simple cap would be nice. 87%!?!?! Yeesh!!!
     
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Horrible Service!
Posted by on
I have had CareCredit for years and we have always paid more than the minimum amount. Sometime we would pay two or three different payments in a month and thought we were paying it off. Come to find out that due to their HUGE APR (50%) we were not paying down the balance at all, but just the finance charges! At the end of the year we were looking at our statement and began to wonder why our balance wasn't going down. I called them and was informed my account was closed due to "continuous late payments". I proceeded to tell them that we paid multiple times per month so we were early and not late. We were informed that if ANY payment is past the due date (regardless of how many you may have made the month before) it is considered late and your account can be closed for that. So now it's a matter of getting the money together to pay this off and get rid of it once and for all.

GE has most definitely left a bad taste in my mouth after this experience.
     
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Complaint
Posted by on
We thought we were making advance payments on out account. During the last 12 mos, we paid in $5000. More than the min amount due. Sometimes we would send in a payment 3 or 4 days after due date but paying so much in advance we did not feel we were late. Care Credit charged us $159802.00 in finance & $200 in late charge because we “FAILED TO PAY THE MINIMUM AMOUNT WHEN DUE” Please do not take advantage of their interest free plan. They will find some way to charge you the interest. I think they are a bunch of crooks!
     
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Care Credit breaks accounting principle of "First-in-first-out."
Posted by on
PO BOX 981127 EL PASO, TEXAS -- I am disputing the charge of $407.06 consisting of principal of $395.04 and illegal accrued interest of $12.02. I am also disputing the charge of $15 total minimum payment due specified on the Statement Date of 11/18/09.

Not only did Care Credit refuse to declare my $395.04 interest null and void, it broke the basic financial accounting principle of “First-in-first out.” Instead of applying my payment of $7269 toward the first payment incurred, it applied it to the last 3 payments incurred. Realize that I am paying off the promotional balance (PB) of $160.81 approx 20 days early, PB of $2000.01 approx 144 days early, and the PB of $3864.39 approx 174 days early.

I would not have had to pay any interest on these payments. In this case Care Credit practiced predatory lending. Care Credit applied my early payoff of $7269 to each of these payments for which I would have owed no interest. Instead Care Credit., A predatory lender, failed to apply my payment toward the first bill that I had incurred. Predatory lending because I discovered that care credit continued to charge me 23.99 % interest rate on the unpaid balance even though the $395.04 unpaid balance would not officially been due until 174 days from Oct. 23, 2009. The exact date that this payment should be due is (04/17/2010—the promotional expiration date).

Reinstate the promotional balance due form of payment and Reinstate the promotional balance due date of 04/17/2010. The promotional balance due should be $395.04.
     
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Dad gets Bad Credit from Co-Signing the First (1st.) time
Posted by on
I Helped my Daughter out by Co-Signing ( one-Time) for Dental work; because she was in Pain.. It took a long time for her to pay-off her bill, but she did!! Care credit did call my home when she fell behind; and then I would call her and let her know!! But they wanted me to pay; hell NO, I told them, it's her bill!!! Every time it souned like their employes were from India or some other country..They don't understand our talk, our certain words we use!!! She did pay it off!! And then she went back to that same Dentist; and she had to fill out another application for care credit and I was not there!!!! Somehow my name got back on her paper-work !!!! I did not sign anything! But now because she fell behind on her payments, I HAVE BAD CREDIT!!!!!! I just found out!! I went to car lot to buy a Car and My Credit was Bad because of CARE CREDIT got my name on their App. with-out my concent from the first Time!!!!I'm SCREWED.........
     
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Outrageous fees. Beware
Posted by on
I have a Care Credit card that has had a 0 balance for over a year. My interest rate was 20%. They have now raised it to 30% for no reason. This is how much they appreciate me keeping my bill paid in full. In this economy few people can afford health care and they are taking full advantage of that. It's either pay 30% or don't get get dental, health and vet care. This is the biggest rip off I have ever seen. They are "punishing" me and others like me for having a 0 balance for a year and not being blessed enough to have insurance.
     
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Beware of Care Credit
Posted by on
ORLANDO, FLORIDA -- Please be advised that Care Credit/GE Money Bank is the absolute worst in customer service & allocations of payments. I have 2 outstanding loans with the above therefore I must call in every month and reallocate my funds to move between the 2 accounts. Each and every month I receive my statement the outstanding balances NEVER reflect the actual amount of payments I have paid. In addition each and every month I am forced to spend at least an hour on the phone trying to fix their mistakes. As I sit on hold at this very moment, this is my 3rd call today. Both "service" reps that I have spoken with have failed to help me. One even put me on hold and never returned. Once when I was lucky enough to get a supervisor on the phone to help me, she took it a step further and said that I could contact her each month for my reallocations, only to find out that they cannot transfer calls to anyone in any dept.

I was promised a call back from her and after waiting, I called back in and was told the employees are not allowed to make outgoing calls. This company is trying to say that $400.00 of my money can not be accounted for. I am filing a complaint with the BBB and as soon as I can hopefully get somebody to properly adjust my balances, I am doing a balance transfer to get this horrible company gone from my life forever. Even if tempted...

DO NOT open an account with this company. You will regret it greatly! I certainly do!!!
     
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Care Credit is a Scam
Posted by on
LOUISVILLE, KENTUCKY -- Every month Care Credit seems to find one excuse after another to put a late charge of $29 or say the payment was reversed.
I have ALWAYS had trouble with Care Credit. This last time the payment was due on the 22nd. On the 19th I paid much more than the minimum, which I ALWAYS do. It came out of my checking account on the 22nd but wasn't posted till the 23rd. Therefore, I was charged a $29 late fee. When I called to complain, Eric told me that he was sorry but they would go by the date it was posted and it was too bad, but there was nothing they would do about it. But they would report it to the credit bureau that I was 1 day late. This has happened more than once. I now have an attorney that is writing them a letter. I have paid $352 and still have a balance of $461 on a $500 credit!! No matter when I make the payment they are rarely credited on time PLUS they say that there have been "Payment Reversals". I still can't figure out why. I have called my bank and they have no idea. I have ALWAYS had the money in the bank when the payments were made. The routing and account numbers have all been correct. I think Care Credit is a scam. I was in the dental office a few months ago and a patient was looking at the Care Credit brochure. The office was full of patients. I told her what a scam they were and she would never get them paid off. She put the brochure back as well as did others. Anytime I see people thinking about it, I tell them all about Care Credit and none of it is positive. I have also complained to LA Weightloss about them.
     
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