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Care Credit Compliment - Maybe peope should pay their bills? - Credit Card
Credit Card - Compliment
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!
Comments:
Posted by Skye on 2011-03-14:
Of course people should pay their bills. But sometimes things happen, job loss, family illness, etc. , that causes people to pay late or not be able to pay at all.
The thing is, don't run away if you cannot pay, contact whomever credit company you are using, and let them know, and they will work with you. Ignoring bills is what gets many into trouble.
The thing is, don't run away if you cannot pay, contact whomever credit company you are using, and let them know, and they will work with you. Ignoring bills is what gets many into trouble.
Posted by tnchuck100 on 2011-03-14:
I have never used them but I did see a brochure in the dental office on them. The only thing I remember about it was the astronomical interest rate. I think it was 25.99% and if you are ever make a late payment it goes to 29.99%.
It's bad enough being gouged so badly by the doctors/dentists/vets and then these people want to clean you out of any money you MIGHT have had left.
It's bad enough being gouged so badly by the doctors/dentists/vets and then these people want to clean you out of any money you MIGHT have had left.
Posted by Sparticus on 2011-03-14:
I've used them twice. So far no problems. But I used their autopay feature so I would not forget a payment. That is the trick. If you miss one payment you are assessed the full interest penalty. So be careful!
Posted by trmn8r on 2011-03-14:
I would not mess around with this company, if you are going to use them. Chuck is right about the rate *IF* you DO NOT pay on time, every time. *IF* you DO, there is no interest charge. Obviously they want you to miss a payment.
"If promo and debt cancellation are not paid in full within 6, 12, 18 or 24 months, interest at APR 26.99% will be assessed from purchase date. If account goes 60 days past due, promo may be terminated early and accrued interest will be billed. As of 11/1/2010, Purchase APR 26.99%; Penalty APR 29.99%."
"If promo and debt cancellation are not paid in full within 6, 12, 18 or 24 months, interest at APR 26.99% will be assessed from purchase date. If account goes 60 days past due, promo may be terminated early and accrued interest will be billed. As of 11/1/2010, Purchase APR 26.99%; Penalty APR 29.99%."
Posted by Starlord on 2011-03-15:
We got Care Credit through our vet when one of our service dogs broke his leg in two places and the vet bill came to $4,000. One invoice, statemnt whtever, we got showed an interest rate of up to 51%. There was never any question of us wanting to pay our bills, and I would have loved to have them sue us, so we could show the court their interest was usurious. We obtained a loan from our credit union to pay off the Care Credit account at a much more reasonable rate. If you want to put up with usury, that is your business, but I don't.
Posted by Prince-Caesar on 2011-03-15:
I have care credit, I just recently used it again for some dental work I needed done. Had my wisdom teeth removed, and my dental insurance only covered half of the THOUSAND DOLLAR BILL. So I had to dish out 500 on my care credit, but I have this promotion where if I pay it off in 6 months, its interest-free. I can understand not wanting to be screwed over by credit comapnies, but shouldn't we all know our interest rates and promo details before we use the card? Ive used care credit quite a few times, I just make sure I am able to cover it before the promo expires, or I dont use it.
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