CareCredit Reviews 

It's touted as having "no annual fee" but they pop in a fee here and there just to administer the account so it's deceptively expensive unless you're able to pay off your entire balance in one go (in which case why would you have bothered to use the card??). Their website is a train wreck; at least a third of the times we log on to pay balance it circles and circles and will not let us on. Who has time to try three times in a week to simply log on and pay? If you have any other options, give CareCredit a miss, imo.

I made a final payment on June 10, 2025, to completely pay off and close my CareCredit account with CareCredit/Synchrony Bank. The representative confirmed my account would be paid in full and closed.
Weeks later, I received a new charge of $156.74. When I called for clarification, a representative named Sandra was rude and dismissive, telling me that interest would continue even after the account was closed — which makes absolutely no sense and contradicts what I was told when I made my final payment.
I paid the $156.74 under protest, but this experience has been extremely frustrating and unfair. It feels like predatory lending, keeping customers in unnecessary debt even after full payment.
I strongly caution others to think twice before using CareCredit or Synchrony Bank. They do not communicate clearly, they mishandle accounts, and they treat loyal customers with disrespect.

They take your money and allocate it as they please so they take all your money and make sure have to pay a lot on their already ridiculous interest rate. care credit is awful. all of my promos were paid off except 2. My bank sent a check to pay off 2 promotions. they paid it on one and basically took the rest of the money. No one could tell me where the other $280. She offered to reallocate it and then she opened back up the promos I already paid off.I talked to 5 people and noone could help. now noone will fix it... its awful.. DO NOT USE CARE CREDIT

If I could give -5 stars I would. This place will suck you dry even after paying your card in full. I'm not going into all the details but this place is a scam honestly. They should be reported to the BBB. Pay your bill in full? They will continue to charge you interest for months. MONTHS

Most places - (Vets) don't take it now and they are like Citi bank will drop your credit limit without letting you know. I was always onetime and paid up and yet dropped it the limit when I needed it most. I refinanced my finances but paid off this still they dropped it. will never use it again!!!!!! And your customer service is in another country that does not understand English.

I thought this was supposed to be a good card for pet expenses since they usually offered a period of no interest with vet charges. I always paid my balances before the promotional period ended as with my other credit cards. However, in 2021 they opened a MC Rewards card without my permission (all credit card companies send new cards when the previous one expires so I assumed the newer card was the same). They created a $500.00 charge and refused to remove it even though NO purchase of mine has been $500 and it is on a card that was supposed to be closed. I requested the REWARDS MC to be closed more times than I can count.
I only ever wanted the ORIGINAL CareCredit card, not a MC rewards or any other card associated with them. With multiple cards they can easily create false charges. Then, they threaten your otherwise perfect fico score by contacting credit bureaus claiming a missed payment. I do not owe that money, but finally paid "under protest" by transferring to my Discover Card with 0 interest for the sole purpose of never dealing with them again. They still owe me $500.00. Today (7/21/26), after paying off the erroneous balance and closing the account, they again told Transunion that I owe $87 which is complete BS. Even the dashboard on their website says they owe me money!!!@@ I chatted with "Susan" who admitted to seeing the credit but refused to contact Transunion

DO NOT TRSUT CARE CREDIT!!!!!!!!!!!
I was given care credit at the doctor and I was given a monthly payment amount of $65/mo to pay for the charges. I received no documentation, card, or anything. Last week they charged me an additional $500 in interest because apparently I if you don't pay it off in 1 year they will do that to you. No one ever told me. So this means I would have had to been paying them over $100/month. Then when they did this, they reduced my "credit line" to below $500 and reported it so my credit went down about 40 points. Then I had to pay off the FULL BALANCE, depleting my savings. SHAME on care credit for taking advantage of sick and disabled people in such a disgusting way. They are horrible humans.

DO NOT GET THIS CARD!!!!! They change the due dates and then the “customer service” is the worst ever! I’m paying mine off just to get away from the hassle! I hope someone files a class action law suit against them and Synchrony Bank. Both are out to rip us off!!!! DO NOT USE THEM

I’m quite frankly confused. If you have a “Freeze” on all your credit reports with all major credit reporting agencies, and the “Freeze” has not been lifted, then how can CareCredit claim I’ve got bad credit and deny me an increase? Especially when all payments to them have been paid on time and whatever is paid is always more than what is owed. I don’t recommend CareCredit to anyone. The sooner I pay them off the better.

Care Credit greatly helped me save my dog, Jigsaw! I am in between jobs so don't currently have pet insurance for him. Then, Jigsaw ate some trash on a walk and started vomiting everywhere - I had to rush him to the vet because he wouldn't stop! I was soooo worried that my vet would charge me all at once, but because I have Care Credit, they allowed me to pay over time, giving me time to get back under my feet!!! I even had to call customer service about a bill question, and they answered my question within 5 minutes! Cannot recommend Care Credit enough for helping me save Jigsaw without going broke!

What a bad company! The worst I have ever seen! Lying about fees adding extra fees and interest with no explanation! Try and talk to a manager is like pulling teeth ! I wish I never ever dealt with them 10 👎

Gave one star because they wouldn't let me give them no stars. Had a cat emergency. Got a care credit account. A month later, I Have yet to see my card. They got the billing part right. They have no respect for card holders. Your call is important, that's why they have a machine answer, that machine asks for the same blinkin information you'll have to repeat to an agent after an outrageous amount of hold. Can't trust them to call you back. The agent has little English comprehension. That's how important your call is. THERE IS ALWAYS A HIGH CALL VOLUME, showing they just don't have enough respect for customers to hire enough people. Plus "VERIFY YOUR ADDRESS." He's looking at it. Why? Send the card. Do the job right.

One star is way too high for them. Look at all these negative reviews! They shouldn’t be allowed to operate a business. I paid my bill on time and paid it off just for them to close my account lolll. Wonder if I can report them to the BBB for being unethical, thoughtless idiots?

ZERO STARS!! ZERO STARS!! ZERO STARS!! Another money hungry company taking advantage of people that our in a hard place. DO NOT USE THEM!! It may be easy to apply and get approved for but you will absolutely regret it and it will put you WAYYY further into debt. You are able to pay small minimum payments for 12 to 18 months then after that they tack on the extremey high interest added double the debt. And even when you make minimum payments on that, it says it will tale 17 years to pay off!!! This should be illegal! Nothing is for the people! Just money hungry pigs!

Truly never experienced such a horrible customer service especially when speaking to a manager, someone who represents an entity and is supposed to assist the customer. Not only was the manager, Michelle Robinson, not helpful but raised her voice and she was speaking to an acquaintance instead of providing services. Do not recommend using this credit card as is obvious their employees are not well trained, and they charge you an incredible fee and added late fees to my account when the payments were made.

I set up an autopay on my account, then changed the amount weeks before the due date. They drew the original amount not the changed amount. I phoned as soon as I saw the error, the day after the payment and they insisted that I must have changed the amount after the payment. That is just the most recent and most egregious of their faults.

They will decrease your credit limit as you make monthly payments, then hit you with a huge interest amount at the end of the promotional period, causing your account to become negative and doubling the monthly minimum amount due. I use several major banks and this was the first time I have experienced something like this. No 30 day late payments, paying above the minimum and sometimes prior to the actual due date. Do not use their benefit program because they charge you $100 monthly, which takes away from your payment. Also was being charged interest during their deferment period. Very disappointed with my Care Credit experience. Had some terrible representatives that I encountered (most were pleasant). Will not recommend to family or friends. Will close account and never use again.

I have had Care Credit for years, like 10 and NEVER late always paid more than minimum and had a decent limit around $3,800. Used for vet care, paid it down and saw they lowered my limit so I asked for increase and they gave it to me. Recently having teeth work done, using it and AGAIN they lowered my limit and again my credit score went down because of it. When you owe only 1/3 your credit score is not dinged but when you appear to be using ALL your credit, the credit reporting companies WILL lower your credit score. BUT Care Credit keeps lowering your limit amount down to where you are viewed as maxing out your card that LOWERS your credit score. THERE SHOULD BE A LAW AGAINST CREDITORS THAT DO THIS. I can see if your late paying but I NEVER was late. I WILL PAY THIS ..... off and NEVER use it again.

ABSOLUTELY DO NOT USE CARE CREDIT THEY ARE TERRIBLE AND WILL STEAL YOUR MONEY.

In both August and September, I made payments in excess of the minimum payment to fully cover non-promotional balances to avoid interest. In both instances, CareCredit applied these payments to promotional balances instead (attempting to make it so I would interest on the standard purchases). While they correct this when I reached out both times, be VERY careful and pay VERY close attention to your account.