Synchrony Financial Reviews

Back in May 2010 I was in a horrible car accident and I needed medical attention. After seeking a doctor she stated that she has a program that would work for me to get me in and see her along with my first spinal injections. This was on a personal injury lawsuit. Now five and a half years later I'm getting sheriff summons by GE Capital and CareCredit dental by my old anesthesiologist who was my pain Dr who said everything that she ever done was paid off by my personal injury lawsuit. Now I'm being told that she never settled with the credit card, it was my responsibility. However I did not and was not informed this was a separate company and wasn't with the doctor herself.

I am in the habit of paying my balance each billing period. Balance is several thousand as I use the card for travel. The card was re-issued a few times after security breaches (Target/Home Depot). Every other credit card I have will post a payment made online within 24-48 hours, yet this credit card shows a large credit balance online but at the same time the card is denied for a FULL WEEK after payment is made. A few times of being denied at hotel check-in was enough to determine this card isn't working. Further, my hundred dollar rewards balance was forfeited.

CareCredit has a total of 175,000 providers registered with them. Some were registered originally while the card issuing bank was GE Financial formerly, which is now Synchrony Bank. Initially, CareCredit's website use to list the name of the company along with the physician's name of the company. GE Financial, aka Synchrony Bank, both state they are a retail bank. But, they are a retail bank who is financing services which are considered healthcare related. With this being said, I financed services which were classified as other cosmetics. These services were aesthetic services, which CareCredit listed the provider with the names of two physicians. These services are typically rendered at a healthcare clinic or a medical spa.

My opening balance was $1200 for surgery on my dog October 2014. I got the care credit card through the vet and was not aware it was a promotional thing. I have paid more than the minimum asked. Instead of $26, I have paid $30-$50 on time, every month. I made a dent and got down to $750. Now I was informed that the promotion will be over 10/12 and they will be adding interest on my account. For the whole balance! Once the interest is added on I will be back up to $1200! Why do they feel the need to punish those that paid on time and MORE than the minimum for the first year? I called and they said there was nothing they could do. So frustrating.

I have had a terrible time with Care Credit and Care One not allocating my payments as I have instructed. For example; Let's say I owe $500 on a promotional balance that isn't due until next year and $25 on a purchase that will receive interest in the next billing cycle. When I make my $25 payment online they will automatically put that payment toward the promotional balance. I then have to call and tell them to allocate the $25 where I need it. Unfortunately this always takes at least two (and sometimes more) calls to get straightened out. I will speak with someone who very clearly says they understand and have done what I ask, and it will take 48-72 hours to be reflected online. However, it never happens the first time I call...

DO NOT USE the MasterCard issued by Synchrony for TJM (Home Goods, Marshalls)! I spent the afternoon at Home Goods, shopping for accessories for my new bathroom. I really liked the products. At check out, my TJM MasterCard was declined. I specifically wanted to use this card because I enjoy the rewards. The cashier, who was very pleasant, asked if I wanted to call the phone # on the card so I did. I went through some 10 minutes in the automated call, learned I had a 0 balance & made my last payment in July. I continued on this call to contact Customer Service (you have to go through that entire 10+ minutes to get to that option since "talk to a representative" is not an initial option).

Synchrony Financial is engaged in a business practice that will harm consumer credit. Originally I signed up through GE Capital for a Lowe's consumer credit card. Initially my credit line was $5500 which I utilized to finance a fence project for my home. After deciding to sell the home, I utilize much of the credit line making repairs to get the house ready for sale. Eventually I relocated to North Carolina at which point life's challenges caused me to miss a payment, and blemish an otherwise perfect payment history late in 2014.

I applied for Care Credit a few weeks ago to use for surgery for my cat. On their website it shows various months to which to pay this off. According to Care Credit my vet put me in for a 6 month promotion payment plan without my knowledge. I called Care Credit to have it changed to either 48 or 60 months because I can't pay it off in 6 months. I was told they cannot do this. Their website is misleading. I would never have applied if I had known this. I don't know what to do because I cannot pay this off in 6 months and no one will help me.

I have been an excellent customer of Rooms To Go for years. Paid every account off before the promotional date had ended. I pay every month on time and even early but was charged $25 late fee for paying my payment early. Then they took the late fee out of my next payment which caused my regular payment to go below the minimum payment. Never received a statement because they put me on estatement. Never received a notice that I had a remaining balance due.

I cannot believe Amazon is connected with Synchrony Bank!! My first bill showed a balance when it should have been a credit on a returned item. Item cost $65. I returned it. Bill shows a $55 credit and a $10 Charge? I called 4 times, twice disconnected and I might add I could hardly hear the person on the other end. One offered to call me right back and did not. Finally after one hour (working as I did this crap) I was told the $10 would be credited to my account. We will see. I have not yet received my card in the mail and when I do it will go straight in the garbage. Amazon should be ashamed to be associated with this kind of bank.

Absolutely one of the worst things I have ever done! When I used the cars the first time for dental work they asked me what method I wanted to use for payoff. I chose monthly. When I received the first statement, I had 2 separate payment types listed. The first 2 were their "promotional scam" and the other was the monthly that I had selected. They are applying my payments to the monthly first, so the balance on the promotional balances is not going down. Very plain they are trying to keep it from being paid off in time.

My son had to have a very expensive orthodontic procedure done. The doctor would let us set up a payment plan with them and told us we had to put the amount on the GE Care Credit card. The terms were supposed to be 18 months interest free financing which sounded good because I knew I could pay it off in less than a year. The terms also specified No Penalty for Early Payment. When I paid off the card in 9 months, I was charged a service charge or fee for paying off the balance early.

How about this. I have paid off my credit line and received an email stating my balance was 0, however my auto payment still went through for 51$ and over drafted my bank account. When I have called them and requested to cancel that transaction and return my money, they told me sorry, they can't do that! They could only sent me a check back by mail, which I still haven't received! And I suffered a 35$ fee from my bank for being overdrafted, because of the Synchrony Bank's billing mistake, which they will not compensate to me!

We have used Care Credit since 2005. We always have paid the promotional balances on time. When Synchrony bank took over our nightmare began. We knew when our promotion ran out and before we could pay it off, the next one ran out. How did this happen? When we made a payment we thought was going toward the promotional balances; in fact about 90% goes toward the expired balances which are rolling over 25% interest retroactive! So if you have more than one promotional balance as we did (thinking we were paying them off before expiration) you are not. You have to call them every time you send a payment and tell them to apply it to the promotional balance! This of course raises your interest-bearing balance to an insurmountable amount. We are retired and this is drowning us in a debt we will NEVER pay off. DO NOT USE THIS. MAKE OTHER ARRANGEMENTS FOR EMERGENCY DENTAL WORK.

Things were okay in the beginning. The supposedly the "Amazon" store card then became Synchrony Bank Card Account?? I have "regular" big named ones and they do not do what happens with this card... I make a payment and everyone knows in that payment is the principal and interest; correct? That is how "normal" credit cards and accounts supposed to work? Well it doesn't with this one. I make a payment and after the payment is credited some time about three to fours days later and "interest" charge is then added to the credit balance lowering the available credit limit???

I used my card on 7/28/2015 for the first time in years. On 8/11/2015 the account was closed and sent to collections. Before it was even due. In 2011 I opened an account with my father. The limit was $9500. He passed away in 2012. Some time after that I called to inform CareCredit. They stated they removed him and lowered my limit to $1500 without him on it. On 7/28/15 I used the card at my son's dentist appointment for $104.80. On 8/4/15 they issued a statement with a due date of 8/27/15. I noticed my father's name was on the statement as "secondary" so on 8/11/15 I called CareCredit who informed me my account was at recovery and they had to transfer me. I asked how that could be since it had been less then two weeks since I made the charge? I EVENTUALLY made it to someone that identified themself as a manager who told me they restored the account and it will be fixed.

I was a corporate officer and opened an account (Sam's Club Discover) using the corporate ID and my title. I never furnished personal information and specifically make sure it was a business, not a personal account. I left the company in 2011. Three years later GE Capital Bank, now Synchrony Bank decides that I am personally liable for the debt when the corporation folded. I had the debts removed from 2 of the 3 credit agencies one time, but Synchrony keeps re-updating the information, reselling it to creditors and now has the information back on my credit report as a charge off.

Despite the fact that their own system showed my Current Balance as $689.92 and my Promotional Amount Balance as $627.92, which is a difference of $62.00 in late fees, agent Rudolph and his manager Chrislyn continued to insist that in order to bring my account current, I needed to pay them $94.00! When I asked why, they just continued to recite what was on their computer screens and disregarded the glaring fact that I only owed them the $62.00 in late fees. They both insisted that, "We don't calculate it that way!" What way? Mathematically? Why would I pay $94.00 when the discrepancy between the Promotional Amount Balance and the Current Balance is only $62.00 in late fees?!!! Why?!!! They could not be bothered to change the amount due, even for the sake of logic!

May 15, 2015, I placed $2,000.00 on my CareCredit card. They have been pleasant to work with. I have read the other reviews on here and have had the completely opposite experience with this company. My credit plan was 0% financing for 12 months (0% APR if paid off before the 12 months. After 12 months it would increase to 26%). I understood the loan that I had signed up. The woman that helped me establish the account was wonderful over the phone. I applied a week ahead of when I had to pay at the office and was given a $4,500.00 balance. I then used the card and it went as smoothly as other credit cards.

I got a CareCredit card with a deferred payment plan. Made my first payment and CareCredit claimed it was wrong bank account number so they added all charges right away. I gave them my number again and even had our bookkeeper give it and every month they would accept payment and then claim I had wrong bank number. So I got payoff balances for mine and my husband's accounts. Mailed two separate checks with individual account numbers on them. The checks were issued thru PNC bank. CareCredit applied my check to my husband's acct. along with his and applied nothing to my account. I got a bill for late charges from them the next month.

Warning to everyone: Do not use Synchrony Bank! If you bought something and are paying it off with a credit card, do not use Synchrony Bank Credit Services! I cannot pay the monthly payment online and they have NO CUSTOMER SERVICE. My only recourse is fight my way through their automatic phone line. I don't even get a confirmation email. I have never heard of a company that has no online payment method!

Customer Service with Synchrony Bank is HORRIBLE! I have never experienced such terrible customer service to this degree. I have asked to be mailed a new credit care card and they absolutely refuse to provide my account number regardless of the amount of verification information I provide. Once my account is paid in full I will never do business with this company again! I will do more research and find another lending institution to conduct my business with and I suggest everyone who doing research to pass on this company AT ALL COSTS!

With GE I didn't have the issues I have had since the accounts were switched to Synchrony Bank. Here is what I have experienced. Great reduction in my credit card limits which has killed my avail credit to used credit ratio that has tanked my credit score. Example - my Discover Walmart card with from a CL of about $5000 to $1600. This reduction in credit happened AFTER I paid. My balance to under $2000. So I pay it, on time even, as I pay the card down, my avail credit is reduced. Excessive late fees. Some I have been able to have credited including JCP, Amazon, Walmart. Non-credit for payments that were made directly from my bank account sent to Paypal. Several payments don't seem to be posted to my account, eventually Paypal started returning the payments to my bank. So I have about 4 payments which have disappeared and 3 payments rejected (?) and returned to my bank. Incredibly poor customer service.

Normally I go on these sites to write nasty reviews when a company has screwed me over. But CareCredit certainly wasn't one of them. I think it's great that they cover medical, dental, vet, vision, and even cosmetic procedures, and the no interest promotion periods on large purchases are great. Usually fees and problems occur if you are relying on paper statements. Registering your card online allows you to look at your balance and purchases, see your due dates and amounts, and pay easily online. I've never had a problem with being charged anything incorrectly. I've used my card in emergency situations with my high maintenance cat that has diabetes and asthma, it helped save his life.

We have a payment plan with Synchrony for our Living Spaces sofa we purchased recently. The payment date is on the 27th of the month so we mailed it on the 20th to allow plenty of time for them to receive it. We noticed a late charge on the account and called about it. We spoke to 3 different employees who each stated that it takes 10 days to post to your account. The 4th employee just blamed the Post Office! We eventually got someone to reverse the late charge but they will not guarantee it won't happen each time. We've never dealt with a credit company who doesn't consider the payment received on the actual day they received it. Some people may not check their statements or challenge these questionable fees! If they were honest they would tell us the due date is actually the 17th! Disgusted!!

Quite a few credit cards that I have had for years are now owned by Synchrony Bank. The interest rate is an astounding 26.99%. I have ditched every card that is now owned by this bank and suggest everyone else do the same. I have worked way too hard for many years to maintain a good credit score and do not deserve to be treated this way. THEY DO NOT DESERVE TO HAVE ANY CUSTOMERS! Let's give them what they deserve, even if they can't do the same for us.

In 2006, I struck out on my own financially at the age of 22 and quickly encountered a medical condition that necessitated a Care Credit card (my first credit card, in fact). At the time, the bill totalled about $3,500 and I made regular payments as I could. Over time, as Care Credit changed hands from GE Money to Synchrony Bank, interest rose and I could not keep up with payments. After 7 years, the debt dropped off my credit report in accordance with California Statute of Limitations on debt. Just this June 2015 (9 1/2 years after I first opened the card), Synchrony Bank decided to engage in a lawsuit against me to obtain **$9,600** to include interest accrued over the course of 9 years.

There no longer is an issue.

I missed a payment on my account in February 2015. I have been paying before the due date and more than the required payment. I continued to make payments in March, April, May, June, and July all for $150.00. I was never notified that my account was past due as my extra payment covered the late fees until July 2015 at which time I received an email that they had not received my July payment and that I owed $24.00.

Everyone one who had or got this card, you go to JCPenney and tell their boss to try to tell them to change their bank. They are using this same card co, I never got my bill from JCPenney and I try not to use their card due to the bank they have out of FL. I never like to get ripped off. I now need to use cash, and Capital One card to pay my bills. This is why I want someone to set a class action lawsuit at them. If everyone like this you tell this site to put it through.

This bank took over my paypal credit account. First, they closed the account and immediately said I could NOT set up automatic payments to come out of my bank because of that. Suddenly I quit getting bills, so they charged me late fees. Then they started calling. I made a payment for two months which THEY COULDN'T FIND, even though I have PROOF it came out of my bank! They continued to call repeatedly even after I sent proof twice and continually pressured me to make extra payments until they resolved the issue! They will NOT allow automatic payments thus creating further late charges... Even charged me late fees while I questioned their 'MISSING' Payments Department as to WHERE did my payment go! So, I just went on their phone automated system which is extremely difficult.

These guys took over my BP card from Chase. Cancelled that account ASAP. Just an evil little company. 26% interest on GAS??? Ha - they called it a convenience fee. I called it stupid. I never carry a balance but I want nothing to do with a company that behaves as they do and even has the potential to ever charge me 26% interest on purchases and 29% on "cash withdrawals" whatever those are.

Care credit was charging me twice for one procedure. Minimum payment should have been $225 but they were charging me $450 minimum per month. I told them about the situation and they couldn't do anything about it for 2 months! The lady manager I talked to the phone was like talking to a soulless robot. Zero help at all. I couldn't afford the $450 payment per month, it will affect my credit and I would have additional fees. I advise avoid Care Credit at all costs if you can. These people do not have your best interest as a priority. They are lazy and will not help you even though they know their system is wrong and screwed up. Mindless employees "just doing their jobs" for a criminal organization. In my opinion.

I contacted them as soon as I knew of unauthorized charge and I had no idea of the nightmare that would evolve over that week when I went to this dentist for a free consult. The dentist submitted a sales draft $15,000.00 I advised I did not sign after taking provider entrusted personal info and raised my credit line same day by $6500. They claim I signed a contract which was only a pre-treatment estimate good for only 6 months. I advised dentist within 4 days I did not want this treatment but they said the treatment plan I wanted would be additional $20,000. What I did not know on that 4th date was they had already charged CareCredit and not knowing this I allowed this dentist to start a root canal and resin work, which after the substandard work done and the dentist's refusal to talk to me for days saying the only person who could discuss my treatment was out of town for the rest of the week when I called.

I have a Synchrony Bank card for liquid lumber I open 2013. I had an initial credit of 2200 and paid it down to 800.00. And I just pulled my credit report and it states my credit limit on this card is 1400.00 which is pulling my score down and inaccurate. I called customer service. She states they decrease my credit limit and charged me 622.00 of interest. This is unheard of. I asked her to send me this in writing with terms and conditions. She states she cannot provide this in writing. I need to sue this company for wrongful action and decrease credit outrageous charges and my credit score has dropped due to this mayhem.

I have paid my bill on time by debit card every month. More than the minimum. This month when I attempted to login I wasn't allowed to without my account number (which have misplaced in my paperless world), so now I can't pay and am worried that I'll get late penalties and hurt my credit and make me sad.

Synchrony Bank is the ABSOLUTE WORST!!!!! I have had some cards through GE Money prior to Synchrony Bank buying them out. Each year, I would get a credit limit increase through GE Money without having to request for one. Once Synchrony Bank stepped into the picture, my credit limits have decreased to where it looks as if I am using 100% of my credit. I have a JCPenny card that had a credit limit of $4,000. I hadn't used my card in a couple of months and recently made a small purchase.

In February 2013, I had to have a crown placed on a molar and didn't have the cash, so the dentist suggested I apply for Care Credit, which I did and for which I was approved. The dentist charged me $1,020 for the crown and it was on a 6 mos same as cash. I was so desperate I hadn't questioned the price of the crown. I was told I needed gum graft on immediately or I risked losing two teeth; another emergency. I was told that it would be $650 if I paid cash, $950 if I used CareCredit. I was told that the $300 was to cover the dental office's handling fees with Care Credit. As I didn't have $650, I had to suck it up and have the extra fees tacked on to this, a 9 months same as cash.

I (unfortunately) co-signed for a friend several years ago. Well I ended up getting left with the bill. I worked out arrangements with Synchrony to get it paid off, because as a co-signer, I know that I am responsible. I did everything I could to find the now ex-friend to resolve this to no avail before working it out so I could pay it. NOW.. I have several other cards with Synchrony that I have had for years and which have ALWAYS been paid on time and above the minimum payment. They are now closing MY accounts and/or lowering my credit limits because of this issue with the co-signed account.

I have a Lowe's credit card that I use to do house projects. Only had a $500 limit on it to begin with. I have had it for a year and a half and never been late, usually paying the balance in full every month. I sent my girlfriend to buy some stuff for the house today and she called me stating the card was declined. Didn't make sense because I knew there was a $0 balance. I logged into my account and my credit limit has been reduced to $100 now. No notice. This isn't the first time I've had Synchrony Bank do this. I also had a Rooms To Go account and as soon as I paid the account off, they closed the account. Again... never late, $1000 credit limit and bang, closed for no reason. I will not do business with any company associated with Synchrony Bank again!

Synchrony Bank is the creditor for Chevron. I have a card and they closed the account stating that two (2) payments were returned. I received a letter stating that I signed up for recurring payment (which I did not) and the checking account number on file was not correct. I called cs thinking that it was fraudulent activity going on and the rep said that she would put a fraud alert on my account. However, about a week later, I found that they closed my account and the manager told me that they do not put fraud alerts on their customers' accounts. Secondly, they failed to credit my account $200, stating that the payment was returned. I sent proof that the payment cleared but they will not credit my account; they have reported to the credit agencies that my account has been closed. Customer service is horrible!!! I have reported them to CFPB; I would suggest that anyone having problems with this creditor does the same; they are a wonderful resource.

We financed a MAC and a Bed. They kept mixing up the payments and accounts and ended up RUINING our credit score from a perfect 850 to a 550... STEER CLEAR OF THESE GUYS.

Tried to fill up my car - wouldn't accept my card - called them and they fixed it. Used the card in store - no problem! Went to use again - declined. Called again and they told me that I had to send them a copy of my drivers license and a utility bill, would not tell me what the problem is besides my phone # which didn't make sense to me. I changed my phone # a few months ago so that was an issue for them. I told them my old #. I also read off my payments for several months (always pay in full) they wouldn't budge! I cancelled my card!

I have 5 promotional balances with this bank. Their claim is that there is no interest if you pay off the balance within the specified time period. I received a notice several months ago. A balance was due to expire and I paid more each month anticipating paying it off with this month's payment. Instead, Care Credit took last month's payment and split it between several balances leaving me a large balance to pay off to avoid interest charges.

I DO NOT Recommend them. Horrible customer services. It took me 2-3 weeks just to talk to the upper management, which is ridiculous. Then all they will have to say that they can't do nothing to help me with the issue regarding my credit score dropped by 23 points (I only had 1 inquiry on credit and that was this stupid bank) because they forgot to mention it to me that my credit limit is only $4200 and not $4600. So unprofessional when you talk to the Account managers. I spoke me the upper manager name ** (ID **) who said that they are not sure why I wasn't informed regarding my credit limit... Hellooooo NOT MY FAULT that your bank person give me the right information. HORRIBLE... Go to them if you are okay RUINING YOUR CREDIT SCORE.

A couple months back I realized while making a payment that it appeared that I may have missed the prior month’s payment. So I called their customer service dept. to inform them that I would be sending last month's with this month's. The kind lady on the phone informed me that some time in the past year or so that I had made 1 or more extra payments and was actually ahead of my payment schedule, great news but this is where my privacy ends. Two days following that phone call the harassing phone calls started and continue almost every day including Sundays and Holidays. So now my account is 2 months ahead on payments yet I continue to receive calls daily. I answered one of them and asked why, check my account status, and the fellow says "Yes you are ahead of your schedule," so I inform him to quit calling. Tomorrow the same thing and so on.

I have had a Walmart card for a year now. Never missed a payment, never been late. I made a large payment on my account and they lowered my limit! I am mad. They don't care. I called Walmart and told them I will no longer shop there as long as they use this bank. I hope all the stores that are using them stop so we don't get our credit ruined. This is very wrong. It will hurt my credit score that they have done this and I have been trying very hard to repair what my ex ruined for me. I am very disappointed in this bank. I also have this bank for another card, and as well on that card I have never been late and never missed a payment and that account is 8 years old. Dumb bank. It is just a matter of time before the stores get rid of them.

When I embarked on my dental 18 month dental implant ordeal in November of 2013 the oral surgeon's office manager encouraged me to finance through CareCredit. He informed me that no interest would be assessed if I paid my balance in full within 2 years. On that basis, I applied for a CareCredit Card with a balance sufficient to cover the surgery as well as the dentist's charges. I have always paid on time, never missed a payment.

Beware!!!

If you were caught in a desperate situation at the vet's office with your best little pal (insert pet name here) and were immediately approved for this supposedly legal capitalist program, these things might helpful to know:

Care credit added over 700 in interest charges to my account balance which is only 684. They said it was a promotional interest which I was never informed of, and this is after the government ordered them to pay back over 34 million to consumers for the same reason. They are still involved in the same illegal practice.

Last year, I applied for a Care Credit card because my senior dog was in his final hours and I didn't have the money for his emergency vet visit. I tried to create a log-in on their website, and I was informed I already HAD one and couldn't make another. So, I tried to log into this supposed other account. It wouldn't let me in. I called customer service and not only could they not delete this weird extra account, they couldn't tell me the password for it. So I was left with no way to log in to make a payment.

So I was approved for 12 months no interest as long as I pay within 12 months. Grant it I only had a $450 bill. Well I went back 6 months later to finish up a payment and I noticed there was more left to pay then originally stated. So now I am stuck paying $100 a month to get rid of a $265 bill by July. NOT COOL!

This company preys on the health service industry with INTEREST FREE 6 month loans for people that can't pay after that it balloons to 26.99%. The online website was nothing but trouble and designed to confuse the customer. They have seemed to fix some issues just as of this writing, huh? I had lots of troubles trying to log on and pay within a few days of the payment being due, by not being able to log on. Charging 26.99% interest is a nightmare when offering a minimum payment of 25.00 dollars. You will never pay it off! The balance on 234.00 is $62.40 a month ...What a complete joke. BEWARE. DON'T USE THIS CREDIT COMPANY.

Careful. I had similar experience. I purchased bedroom furniture. No interest for three years. Was waiting for last statement & when it came they changed it a bit so it looked like I didn't owe anything till next month. I was wrong. Then they claimed I owed them around $1500 of extra interest because the 2800 I owed them was 2 weeks late. That's 53% interest for borrowing 2800 for two weeks. Annualized, that's over 1,378 % interest. I told them I wouldn't pay it and they refused to settle so I paid off my balance and ignored them. They pestered me for years and it's finally over. After 7 years or so, it is too late for them to sue. I never paid them the interest. Anytime you get a free interest deal, you have to be REALLY CAREFUL to pay it off by the correct date or you get completely screwed over. That is the nature of these interest free contracts. Fortunately for me, they were unable to damage my credit very much.

I've been dealing with GE's Synchrony Bank/CareCredit for over a year now. The bill was slated at first close to $1000 and I've only managed to get it down to $600 in that time frame. I pay it online and be forewarned they will put up every roadblock imaginable to keep you from paying it on time. They will come up with bogus questions that you must answer and even when you know you are answering them correct they will lock you out of your account so you have to pay late! Then you get the gambit of answering to their automated robot phone system and when you do get a human, you can barely understand them. After all of this, I've just been paying interest, so be forewarned!

One month away from payoff, and suddenly I owe $1759 dollars more in interest charges apparently for the whole amount financed. They are getting my balance due and nothing more. I will not be ripped off! No warning or no reminders that they are going to do this. If I would have known in advance, I could have paid it all off last month. VERY DISHONEST but they got to make money somehow.

CARE CREDIT/SYNCHRONY BANK, do not get a card from them. They are the biggest cheaters. I opened a Card on 5/2013. No interest for 24 months. On 2015 I check with my dentist if I can use the card. They called and they told me I can use the card, 24 months again. Same month I used the card (Dentist) $2000.00. I've been paying every single month and paying more than my regular payment. From these three amounts, they have been applying to the smaller amounts.

I cannot get approved for the reason that I have an application on file. I did not understand so I called and spoke with a rep who told me that I could reapply with a cosigner. Then I said... if I am denied because of a duplicate application, then won't I be denied again for the same issue? I was informed no. My question is... why is there a duplicate application on file for my name and ssn when I just applied today? I reviewed my credit report and it says nothing about any credit checks until February 2015 and that was from Capital One and NOTHING at all from CareCredit. I just got approved for an auto loan through Capital One for up to $35000 but I can't get approved for $5500 loan for dental work. I don't know what kind of crap this company is on, but trust and believe that I won't ever apply with them again.

I have worked very hard to rebuild my credit and obtained lines of credit with a mortgage and bank credit card. I had an Amazon store card and a Care Credit medical credit card. Had them for years with GE. I have never been late with any payment and had $0 balances on both when Synchrony decided to reduce my credit line with the Amazon store card to $100 and just last week decided to close my care credit account because of previous medical collections on my credit report! I am so incredibly disgusted as now my credit report reflects that the care credit acct has been closed by credit grantor thus knocking my credit score down for nothing I did! Crooks! They need to be investigated and someone needs to bring a class action suit against them.

Like many of the reviewers, I applied for Care Credit due to an unforeseen dental emergency. I was approved effortlessly, and things sailed along just fine with my payment schedule until recently. A couple of months ago I failed to receive my bill. I was able to remedy the situation by phone and online, and the late fee was removed from my account. No big deal, these things happen. However, two months later I again have failed to receive my bill. This time I caught it before the due date, but just barely, so I attempted to pay online once again. Not so easy this time.

I applied online and got approved which I was shocked and it actually bumped up my credit score. I didn't really need it, but I was doing it to see if my mom could use it but her provider doesn't accept it anyway. I wrote down the account number and tried to register but it was unavailable. I was supposed to receive a card, but it's been over 3 months and has yet to receive it. Was going to call and everything but now from reading all these reviews, I changed my mind. I guess I will just let it sit there until they close it. I haven't used it or anything thank goodness.

Synchrony Bank took over my credit card account with JC Penny. Since that time, I have had NOTHING but problems. I was trying to pay my balance off, but that proved to be difficult. My outstanding balance on 11/18/2014 was $177.95. I have made NO purchases since 11/18/2014. I have made payments every month totaling $186.00 (all payments were in excess of the minimum payment). This just is not RIGHT! My payments were electronic and made prior to the payment due dates. Sometimes the payments were received by Synchrony a day or two late and some were received ON the payment due date. But, Synchrony just charged a late fee plus interest.

I made an attempt to make a payment to them using their IVR on the day I got paid (so I had plenty of money in my bank account). About a week or so later I get a collection call from them. I asked what happened to my payment and they said there was an error "cannot locate account" (R03) and was informed that normally this happens when the wrong acct number or routing number is entered in. However, I know that this isn't true because I remember listening to the IVR repeat back my entries before continuing.

I am absolutely disgusted to have to send you this letter regarding the lack of attention to detail and service of your Phone Representatives handling Care Credit Accounts. I have made 5 phone calls this month already to correct the allocation of a payment made by me earlier this month. I have two Accounts with you; one is a 6 month promotion, and the other is a 4 year, 14% interest account. I made a payment of $132.00 on March 2nd to be applied to the balance of $2031.75. I specified that I wanted $56 to go to the interest account, and $76 to go to the 6 month promotion. If done properly, this would have brought the balances down to $81 on the 6 month promotion and $1818.75 on the interest account. This would leave the total balance on the account to $1899.75.

Don't use this charge card! Complete lack of transparency - had to call customer service and find out where all my charges and rates were hidden. I initially thought it was great but don't fall for the promotional "no interest" because if you don't pay it off it gets "hidden" and left you a SOL with an interest rate of 26%!!! Could have paid it off twice for the interest they charge! Never again, in process of closing the account....

Outrageous interest rates. Closed the account over a year ago, and have been trying to get payments down. It seems that what I owe never decreases due to interest rate charges. I am a student and have paid almost half of what I owe in charges. Called several times to see if something can be worked out, and have been given a rude "NO." Customer service is not friendly, and it's all about them. Go somewhere else.

Terrible customer service! No problems until recently. But then again, I pay on time so had no contact with anyone until I tried to pay off my account. I had a "no interest if paid in full by" account that was due next month. I want to pay it off, so contact customer service to request the pay-off amount in writing. "We don't do that". Really? After several attempts I took a screenshot of my balance and sent a check for the full amount marked "Paid in full" via certified mail. The check has cleared my bank. I am told verbally my loan is paid in full "as far as I can see right now" by several people. I continually ask for documentation. "The letter is in the mail." "The e-mail will take 24 hours" (4 days ago).

I have submitted payments on time and am continually charged late fees. I am now going through the dispute process and printed all statements. It is only making me angrier seeing how deceptive, dishonest, and immorally CareCredit does business.

When ge switched to Synchrony Financial I have the worst experience! I could never get to access my account online and it would always say my account didn't exist even when I am looking and typing what exactly was on my bill. I would call the automated system and it would take me 30 minutes at least to finally talk to a human if I got to talk to anyone. Then on the months I didn't talk to anyone, I would have to wait for them to call me. When they did I would tell them about not being able to log on or getting a answer and all they could say was "sorry." They never helped at all.

My dentist of three years ago, convinced us to sign up for Care Credit to do a lower, removable bridge (which turned out to be most uncomfortable). I paid GE Capital for three years with interest of 26+ percent which to me, is a usury rate but I had no choice. In December, I had my $3,000 bill down to $700. Went in to make a payment and my bill was $1900! I called and spoke with a rep who told me because the loan period was for three years and ended on January 1, 2015, the interest rate for not completing the full amount due was $1200. No ifs, ands or buts. I was floored. How can they charge interest every month and then slap additional interest on after three years?

I have been set up for my payment to be automatically taken out of my bank account.... they don't always do it, then they charge fees! When I call, I go through a maze of robot instructions, then eventually I find myself talking to someone on a very cheap phone line that's hardly audible. They DON'T help me! I am not paying a penny more. They are a very poor company, that is tormenting good people... Frankly I say "To ** with them!"

Won't accept accurate account info online so I can make a payment, though info is correct. They will put roadblocks in your way to make it as difficult as possible to make a payment. Interest rate is ridiculous and customer service non-existent. The high school dropout that I got on the line after the jungle that is their voice mail system ended up hanging up in my face. I hate GE. They prey on people that need help.

My payment was mailed ten days prior to due date and I was assessed a late fee because company claims it takes 7 to 10 days for USPS to deliver mail. Anyone with any common sense knows how fraudulent that claim is and this is a technique to pressure people into auto payments, where as you can see from other posts the nightmare begins. It is absolutely unethical to claim ten days for delivery of mail. I have never experienced this type of absurdity with ANY other card company or bill I have to pay. Talk about slimy. The account needs to be credited with payment on receipt of payment, not after it is held for ten days to collect an additional $25.00. I will send the next payment with a signature required and we will see how farcical these people really are. Shame on them!

I have $600+ in available credit, but couldn't use it today. Why? I owe $25 after they somehow managed to mess up a payment that was set up as direct debit from my account. They wouldn't let me pay it today but said it takes 48 hours to process... so I was stuck at the vet's office with no way to pay despite having an almost empty Care Credit account card sitting there in my wallet. I won't even get started on interest and all the other issues. This was REALLY frustrating. Can't wait to pay this thing off and never use it again.

I opened a GE CareCredit account (Now Synchrony Bank) for $4000 for eye surgery on the zero interest promotion. The way that works is that you pay zero interest unless you miss a payment, in which case CareCredit/Synchrony charges you all back interest at 29.99%. BEWARE! CareCredit sets that up, so that your payment leaves more than zero balance at the end of the promotional time period. In my case, I set this up so that CareCredit would automatically debit my checking account. I never missed a payment in two years. To my surprise, CareCredit set it up, so that the payments made would leave a $1864 balance not a zero balance. Since I knew my payments were automatically made from my checking account, and I never missed a payment, I thought there was no need to worry or check on the account. Well, on month 25, CareCredit added $2110.04 interest charge! Yet, I never missed a payment!

There are so many complaints about this company and I am adding one more. I have 2 promotional balances that have expired a few months ago and the interest added on is so ridiculous I am afraid that I will never be able to pay off my balance in full. The more money I send the more I fall behind. Very scary thing for a single mom trying to survive on very limited income. My ex dentist office pushed me hard to apply for this credit now I realize why. People in cahoots with each other to try and rip off folks with no insurance. I will get this paid off and never charge another dime with a company who charges over 26% interest for people with good credit but no cash. They do not deserve our business.

Don't get if you plan on financing anything in the next year -- I only got this card to get my Lasik which I paid off in a year. Big mistake was when I got it. I was unaware that one week after you use up the credit card (over that 65% of usage) that it will immediately drop your credit 40 points. I was about to finance something and that was put on hold until my lower balance allowed me to do what I needed to do. However your credit doesn't come back as fast as it can drop. It took me 6 months to get back to the good score I previously had.

Approved for credit on a promotion. After the promotion was over the interest rate comes in from the begin of the charge and every month interest applied. I think I am getting charge twice on interest.

This credit card company, gets to me, I don't even know how it is that I owe so much. They no grace period, if you're late one day, you pay 35 dollars late charge. I just regret getting their service.

Instead of a $238 payment, the entire balance of $5700 was taken from my checking account, throwing me into overdraft. Was careful when setting it up to ensure I only used the payment system for monthly payment. Received an email that the payment was to be $238 for the first payment. After a lengthy chain of machine voices, got through to a representative. They would either send a check in 3 weeks or we could stop payment, which would cost us the interest we were avoiding. This company is a farce.

Interest - I now owe more than I started with.

Although a good idea in the beginning, this company screws you when trying to make payments. They say it's the doctor's offices who set up the payments, which is probably true, but they also say they make sure a payment you are trying to make goes to a certain balance first. I have three different transactions on my card right now and a promotional balance that is now accruing interest since I couldn't pay it off in time ($971)! to be exact. So when I called care credit to make a payment towards that promotional balance to start paying it off, they wouldn't let me choose where I wanted it to go!

This company allowed an individual to apply for a CC account with my husband's SSN! They NEVER stopped to see that the name to the SSN did NOT match the name on the application. They approved the credit card and the individual has now had plastic and dental work done. The individual OF COURSE did not pay and my husband's credit is showing he is delinquent for an account he never applied for. Care Credit refuses to give us any details! So, if you want free plastic and dental work apply for a Care Credit card and use someone else's SSN, because they don't care! Thanks a lot Care Credit. You STINK!

It was great until I had paid off my account. After a month of not using it they had sent me a letter, that said that they had closed my account due to inactivity and that my credit score had gone up. I couldn't believe that they would just close it for those reasons. At first I thought it was because it had gone down, but then I read the letter more thoroughly and it had actually gone up. Would not recommend to anyone.

Used my Care Card to pay off a large dental bill before the 12 month period was over. Haven't used for months and paid a Vet bill of $125.00 with it. After returning home I called about the receipt that said I had 25 DAYS to pay it or incur the APR. Somehow I never got the memo about APR is used if bill was less than $200.00. Agent on the phone was very uncaring and basically acted like it was "too bad, pay up." Nice customer service, LOSER!!! Be aware of this well kept secret. Syncrony Bank sucks and so do the the jerk offs who answer the calls.

Had dental work done in December and didn't have enough on my medical reimbursement card to cover. Use the CareCedit card. This year I made sure I had the money in my medical reimbursement card to pay off the CareCredit. They do not allow that! They are a rip off. Interest rate sky high. They did not send me a statement & then were harassing me with phone calls. Including late at night! They have no easy way to speak with a representative & when I did they were in India.

I used the card, pay off balance prior to the zero percent promotional ending. Then there were other reasons to charge interest. Once stating I did not pay the minimum required, yet I always pay more than minimum. The recent incident was, I am being charged interest because in 2014 there was a charge less than $200.00 so they charge interest about $3.00 month for less than $200.00. I personally have no idea what the dentist charged each visit. They will find a way to try to get interest. Once paid off, never again. Watch your statements.

I do not care if they are GE Capital... Synchrony...etc... THEY ARE THIEVES. I have never been late with a payment and have always paid not only that which was required, but paid off the amt owed BEFORE the deadline and yet have had to call dozens and dozens of times... spend hours on the phone, and speak to someone about being charged a fee and my payment not going to the correct amt.

My and I took out loans with them and were never told about the interest payback if your balance is not paid in the 18-month period. It seems to be their tactic, to wait and hit you with the 26.99 percent when you are almost paid off. After our $8,400 loan was almost paid off, we were hit suddenly with a $3,667.37 bill on our invoice! To our surprise that seemed to be what they were waiting for. Singer Enterprises should have told us this as well and did not, even though we asked every question we could about any surprises, but yet we get hit with this! All anyone can say is sorry, now just bend over. There should be a law to get this interest back when uninformed like we were. Thank you for the nice Christmas present.

I signed up with CareCredit to pay for my Lasik Eye surgery and for my Father's cataract surgery. I have been paying more than their minimum payment every month. Despite this I have interest charges north of $2,200! This is less than my principal, which is $1,935! When I contacted them to perhaps resolve the issue they said they were willing to waive my interest charge. Sounds great, right? The only catch is I would have to pay my entire principal right then! When I told them I couldn't afford to do that they were completely unwilling to work anything out. They wouldn't remove any part of my interest incurred at that point. None of it. They also wouldn't adjust my interest rate. In reality I have paid off my principal by now. I have more than paid it off but now the total I owe CareCredit is ballooning out of control because of their exorbitant interest rate. It feels like I am getting shaken down by thugs in an alley.

Will not let you remove a user from account without closing acct. My husband and I divorced and have not had any issues with taking our names off any other cards or accounts except this card! It's so frustrating! Please get with the times!

I have kept my account up to date and even kept my outstanding balance at zero for the last 6 months. As a result of trying to keep my history with them good I am punished by having my account randomly closed. This card was the only way my family could afford medical expenses. I lost my job for 9 months because of my pregnancy so my credit has suffered a bit. Now that I am employed again and working to improve my credit I was informed that because of a random credit check they decided to close my account that has been open for a few years. I am only angry because the decision to close my account was NOT based on my personal history with this company. It was also stated that I had too high of a debt to income ratio BUT they have no idea what my household income looks like. Had my payments slipped with them I would understand the decision but now I am stuck trying to find a way to pay for the typical medical expenses my children and pets need.

I have called Synchrony bank to try and remove late payments from my credit report. I spoke with a lady who was unhelpful and told me that unless I had been in the hospital, there was nothing that she could do. I have been in between positions at work and not making steady pay. She said there was nothing at all that I could do unless I had been in the hospital. I told her that I hadn't been, and that I wasn't going to lie about it. She said "if you want to think about that and let me know, there is something that I could do then". She was basically wanting me to lie and say I was in the hospital to get it removed off my report.

We applied for this Care Credit account to pay for our son's Cranial Helmet (helps shape abnormal head dis-figuration). We signed-up for an interest free 12-month promotion. This company will charge you interest fees even when you have signed up for their interest free account. When I called they said, "we charge interest on your account because your payment was late." This company is soo shady they will charge you an interest fee and a late fee without telling you upfront if you're a day late and this isn't the first time they've done it. Although they did credit my account for the fees I'll never use Care Credit again. Their fees and interest charges are extremely high, 27%. This company is terrible. They prey on people/families who are trying to pay for expensive out-of-pocket medical procedures. I highly recommend NOT TO USE THIS COMPANY. THEY'RE TERRIBLE WICKED CROOKS!

When I signed on for a $5000 loan to pay for my daughter's emergency dental work, I was not told that the interest rate of 26.5% would be based on the original loan amount, not on the balance that was due at the end of the promotional period. My balance for December is over $1000 more than the November one, and the minimum payment is $100 more.

I hate this company to the bottom of my heart. The company doesn't care about anything except for their money. I had an issue with my check not being cleared and it took them almost 2 weeks to write me through the mail to tell me that my payment was not posted to my account. Then had the audacity to say that I'm supposed to know what's going on with my check when clearly if I'm late or behind a payment they call me every second every minute every day until they get the payment but they won't call me to let me know that my check didn't clear. Mind you I paid my due balance on the 20th and they didn't tell me the check didn't clear until I found the letter in the mail until December the 7th and it was dated November the 28th and I sent my payment on the 20th of November. That's crazy. Then when you're trying to explain what's going on and how you see things should be handled they want to have an attitude with you about your money - that's crazy. I totally hate this company. If you or anyone is thinking about being with this company I suggest you think about it long and hard.

Care Credit by Synchrony Bank took me off my debt management plan because I was one payment late. I was paying them $23.00 a month at 7% interest on the plan. A employee that works there took me off the plan because she was going by the Care Credit statements and not the Clear Point statements. You're allowed to be one payment behind on your DMP and Synchrony Bank never sent me a warning letter saying to get my payment up to date or they will take me off my plan. I also have two other accounts with Synchrony Bank and they never took me off my plan when I was late. That is how I know it was a Care Credit employee that removed me from my plan.

I used CareCredit for orthodontic treatment (Invisalign) totaling almost $4,500. This was a huge investment for me and CareCredit was a good idea because I did not have to pay interest for 2 years. However, my orthodontist took off my Invisalign before my treatment was complete even with my disagreement. I received a second opinion to verify that I still needed treatment, and I did. I contacted CareCredit, explained my situation and requested a dispute to initiate a refund so I could finish treatment. I pursued this because I am fully aware of credit laws protecting consumers against poor business practices. In my case, I paid for services that were not rendered. Unfortunately, CareCredit sided with the provider and closed the case. Be aware that with this Credit Card if something goes wrong they will likely side with the provider. You will be responsible for these charges regardless of the circumstance. I should also state that I have great credit and paid all of my bills on time.

I received a proposed Detailed Treatment Plan from my dentist totaling $11114.53 minus $1657.20 for a total of $9457.33. Care Credit charge was $5000 and other arrangements were made to pay the balance. The Treatment plan listed 30 items. I failed to notice that I was charged $449.53 (about 9%) for a Care Credit Processing fee. The Care Credit agreement plan type checked is No Interest if Paid in full within Promotional Period but does not mention the processing fee anywhere. Is this legal? I checked the Care Credit reviews and no one else mentioned this issue.

I applied for and used this credit card for a large vet bill we incurred for one of our cats. I kept meticulous track of my balances, both promotional and 'standard' or non-promotional, as well as the due dates for each, and I made all appropriate payments early or on time. But whenever I made a payment I had to call them to tell them how to RE-apply it (since it automatically gets applied a certain way), and they never fail to mess it up again and again. Even when I ask for a supervisor, and they claim to understand EXACTLY how I want it applied and EXACTLY what my balances should look like after all is said and done, they mess it up!

Last winter I applied for CareCredit and was approved pretty much instantly for my $3,500 request. I set it up for the interest free 12 month payment period. I missed one payment by one day and my fee was $25- a bit steep but it was my fault for missing it. Other than that there have been no troubles. I've heard some horror stories about surprise bills when people thought everything was paid off, so I'll update my review if anything like that happens. I owe $400 and have until March. I'm having another procedure done in January and considering the troubles others have had, I may just pay the $400 off this month since I don't want to risk anything by having two procedures on my card at once. Also, if you go online and create an account you can keep up with everything including your balance, payment due dates etc.

In July 2014 I found a great dentist and just an equally staff. I decided to have some dental work done. The fist visit was a consultation and the Doctor explained each and everything had to be done. I do not have dental insurance and the Doctor told me it would be almost $7,000 and I could not pay that in 1 sum. One billing lady did an application for CareCredit, former GE Capital - they approved it. About a week later I started the procedure - 6 implants, remove 2 teeth. Unfortunately 2 of the screw fell off and 1 was loose and an infection, also I was given antibiotics and pain killer. Wait a weeks or so, again did not work. On or about 1 month ago I started receiving calls form GE CareCredit, tell me I owed them the bill. Well I explained to the lady my treatment was not finish. Make it short now, the Dentist has to start all over again, the interest keeps accumulating. I cannot pay for some is not done, I have no front teeth left. The Doctor is not the blame, just GE Capital keep telling me my procedure was completed in August 4, 2014.

I used Care Credit when the Dentist office recommended them to me. I did not need credit but had my Dentist office recommend it as they told me I could apply for an FSA and use my FSA to pay Care Credit. It was a total lie. They do not accept FSA and now I am stuck with over $1500 wasted that I put into my FSA and now I have to pay Care Credit. When I complained to Care Credit they told me it was not their issue. These guys suck.

Recent phone call resulted in zero help. I was refused access to being able to speak to a supervisor. The account was mishandled from the beginning. I would not recommend Care Credit under any circumstance. They are completely unprofessional.

I was working full time waiting to start school. I had a care credit card through GE and was making payments on time as scheduled. I was called to nursing school and anyone who knows the medical field knows that you go when your name is up. I had to quit my job and eventually fell behind on payments, 90 days to be exact. In August of 2014 I started a part time job working at a local hospital, I was still attending school but wanted to make right on my accounts. I set up payments of $57.00 every two weeks. That's $114 per a month, they said my past due balance was over 200 dollars and when I called to try and save some money on the fees and see if they would work with me they refused. They are still charging me $35.00 a month late fee even though I have began paying on this. These people are rude and unwilling to work with you at all. ALL my other cards have been more than helpful, stopping all the fees as long as I was paying the agreed amounts that we worked out. DO NOT EVER USE THEM!!

On July, 2012, I had eye surgery and applied care credit for $9,000. At the time, the hospital social worker told me that I can pay my loans up to 24 month without interest rate. So, I set up the automatic payment for $350/mo. and planned to pay up any remaining balance after 24 month period. During all these time, I had no chance to follow up my balance because I had many medical complications since my surgery. Today, I rechecked my balance online and saw there was still $4500 of balance remaining!! Just by simple math, this was something wrong because if they taken out $350 from my checking account since July, 2012, I would have been paying more than $14,000. When I called the care credit, they are telling me that at the time when my 24 month free interest period was over in August, 2013, my balance was $1,065 and they charged all the interest for 24 month period for 26.8% rate. Top of that, they were continued to charge interest on top of interest!!!

I just spoke with a manager of this company and she was so rude. They closed my account due to inactivity. I have been healthy over the past year and so I haven't used it. I just cracked a tooth and needed to use it and received a letter that my account was closed due to inactivity. When I called to ask why, they said that I would have to reapply. Also, now on my credit report it is stated that it was closed by them.... usually not a good sign. Besides their APR is astronomically high!

I applied for lazik being done on both eyes. Care credit only paid for One. That was $1900.00. I have been paying $140.00 for 16 months and my new balance is $1448.63? What gives? And I have been diagnosed as permanently disabled... I don't like talking on the phone about my condition. No email address given to discuss.

At the end of their FREE interest period, if you haven't paid them off they charge you back to the initial service! I had dental work and suddenly received a bill added to my balance of over $1,000 INTEREST!! How can this be legal? They do not explain this if you apply for their card. Now their int. rate is 26.9% because the whole balance was not paid off!

I'd steer clear of Care Credit - initially obtained card for veterinarian and the eye doctor visits. After only few months, veterinarian stopped taking the cards due to the customer being charged interest, and them (business owner) charged the same interest when collecting payment (double dipping??). Called Synchrony Bank today to inquire why and how they could legally do that, and got a sarcastic rep explaining due to me being a customer she could not go into detail about the provider side.

Had my CareCredit card paid off except for 75.00. I went to use it for medical reasons and was told that it had been cancelled. I called GE Capital and they told me that I had not paid on another GE Capital card which was Ashley Furniture, which was actually my husband's not mine. My husband took out the card, added me to the account and committed suicide - after taking out the card getting credit and furniture. I paid on it a year and a half very well then I am anymore. They raise the payment in the interest - added interest to it. So they cancelled my CareCredit and Chevron although they were paid on time and low balances. They still cancelled and because of the dispute on the GE Ashley credit card, they tell you to call in and they will help you. They do not. They send you further in the hall.

My complaint with GE Capital/Care Credit is the way they apply my payments. I used my Care Credit to pay a $2,000 doctor bill. The plan was no interest if I paid in full within so many months, and they set payment amount which I agreed to. A few months later I used the card again, but this transaction would have interest charged, which I agreed to. What they did was apply all my payments from that day forward to the second transaction which being charged interest. Which in turn caused the first transaction to be stretched past the 'no interest' period, so then they charged me all the interest on the original transaction, which I did not agree to, nor was even notified that was their practice! When I called they basically said "oh well, that's our policy" and I should have specified where I wanted the payment to be applied. Now I'm paying interest on top of interest and may NEVER get this card paid off.

I Am One who was Very Pleased with GE Care Credit. I have used them for approx 4 years for two different reasons. First for Animal Care and then for Dental Care. I saved over $1500.00 in interest charges by using Care Credit. I Read All the Info and Asked Questions on things I did not understand. I Paid my Minimum Payment Before the due date and I paid More than Minimum Due on the acct for that statement. I watched my statement each month to make sure I will be paying off the amount due before the promotional period was up.

They're not to be trusted. Once you sign that contract, you are bound by that contract whether you obtained the services rendered or not. You will still have to pay and be harassed until they get every dollar out of your bank account. They don't care whether you obtained the services rendered or not. They don't care if you were happy with the services rendered by your doctor or not. Or if you are in a dispute with the provider. All they care about is getting that money. They destroy your good credit status. You didn't get the product or the services in which you signed your life away to.

In a rush to get some much needed dental work done, I agreed with the staff lady at my dentist that CareCredit was the way to go. The agreement I made was to pay 66 dollars a month for 18 months... If I paid on time (which I DID), it would be paid without any interest charge... Silly me I always wondered how CareCredit made any $$$. Apparently the terms of the 18-month deal were not clear... As a result, I now owe 526 additional... The 66 dollars that I have been paying was not enough according to some additional terms still not clear to me... I will now have to hustle up the 526 unless I want to pay 27%...

The interest rate on my CareCredit card is 26.99%. I pay over my monthly payment every month and have still paid over 800 dollars in fees this year alone. I called the company and requested the rate be lowered and they refused stating all customers have the same rate and promotions. I do not utilize their "promotions" and can't imagine they'd be worth anywhere near what I'm paying in interest. I will pay off my card, cancel it and never use their company again. They've lost a lifetime customer due to company greed.

Just received bill today. Not GE anymore but Synchrony Financial. Plus old balance was $3,700. Synchrony Financial just added $1,113. onto total. Now the bill is just like I haven't paid anything!!! When did Synchrony take over GE????? This should be illegal. It used to be called usury when companies charged outrageous interest. $1,113 on a $3,700 balance is 37%!!!!!! That is outrageous and illegal!!!! We should all band together and pay off these vultures and close our accounts and tell others however and whenever we can to NOT sign up for this usurious company.

My doctor advised me to use "care" credit for lasik eye surgery a couple years ago. This credit card company will not hesitate to charge you interest after the "promotion" is up. They charged me $700 in one month from the previous "free" months. I do not understand how 26.99% is considered caring! The minimum payment is for $70 but they are charging me $50-60 in interest a month! Who in their right mind would use a card like this unless they got tricked into it. I receive no notice or anything in the mail, it took me way too long to realize they were ripping me off. I was under the assumption they cared about me and my doctor knew what was going on. Not the case. I have two other credit cards with less than half the interest of this one. Do not use this credit card. Not to mention their calling hours are a tiny window w-f, with no option to email them. They are very hard to get a hold of. I called to see about getting the interest waived but there is nothing they can do, they charged me 1.2k on a 3k surgery, how is that okay!?

Care Credit said there was a promotional period where I would pay for interest and eventually have no more interest on my balance. This info was inaccurate as it is the complete opposite. The promotional period is when there is no interest and then you pay for it after that period. Not happy that they said one thing on the phone and did another.

My husband was in motorcycle accident and need surgery to repair bones broken in his foot. At the time of he did not insurance, so my father cosigned to get him the surgery. We made payments but noticed balance stayed the same. Now, they are threatening my father that they are going to sue him.

Because CareCredit has established itself in just about every veterinary practice, veterinarians will no longer accept payment arrangements for even life-saving care. Instead they tell you to apply for CareCredit. But CareCredit does not approve every applicant-- nor always give a credit line high enough to cover every need. I've had my card for 9 months and proven myself to be someone who pays their debts on time. But when I called and asked for a credit limit increase to cover the emergency operation my cat needed, they refused to give me enough to cover it. I told them my cat would die without the operation but they didn't care. The total I needed from them was another $1600 added to my current credit limit of $1700-- less than $400 of which I'd even used yet. I begged and begged but all they said was "sorry". Yeah, sorry! Now my poor cat is dead. I hate them.

I have made 4 calls to get my information in the system corrected and they keep telling me to call back - they have not had enough time to process. If you can't give better service to maintain account information why are you a credit card company.

My wife and I decided to apply for a care credit card for in case one of us wanted elective surgery or one of our pets were hurt and needed immediate help and we didn't have the funds. It could come in handy. Well we used it and within 4 months we called to get a pay off amount so we could send the money to pay the account off to a zero balance. We were told the amount and we sent it in. A month later we received a bill for the interest for the few days that it took for the money to get to them. Really??? I called them and raised cain. They said that is the interest by the day and I got billed $12.67 for the three days it took to get the payment to them. Then of course they didn't send the bill till the following month. So there you have another 27 days of interest at 24.99% for the $12.67. When I got off the phone I got my satisfaction and they took off all the charges and my bill was zeroed out. Needless to say we well never use this account again and the card was shredded.

This card is very deceptive. I initially applied because one of my dogs was very sick and needed treatment. Care Credit was the only way I could afford it. This place has financially raped me. They advertise no interest for specified time but if you are late on a payment (even by a minute) that no longer applies and interest is applied to the whole balance. The interest rate is laughable. I do not see how this company can provide an option for payment to those in need. I also noticed some account security charge on my account each month. When I called them they said it was something to help pay off the balance if I lost my job or became unable to pay. I told them I did not want this on the card and was told I had to give them permission to be enrolled in the 'program'. I would of never of given them permission for this because it is an obvious scam. Look at their history of class action lawsuits. They are changing their name to Synchrony Bank. I have to wonder if this name change is due to the negative name and they have made for themselves and the history of lawsuits. Pathetic company. A high-interest regular credit card still would have a lower interest rate. I urge you.... do not apply for this card.

I saw went to La Cumber Dental Office to have a bridge and five veneers placed. The dentist said HE would not have to grind my teeth down for the veneers. The only reason I had veneers was to match the bridge. I was provided with Care Credit. The cost of $10,500. The ONLY work the dentist performed in two appointments of 4 1/2 each was to give me the numbing injections. A dental assistant with no extra certificate attached to her license ground my front teeth to nubs and did ALL of the dental work including placement of the bridge and veneers. I filed a dispute with GE / Care credit. They denied my claim and said It is a service guarantee issue and they are merely the creditor and the issue is between me and the provider. They closed the dispute. I responded to them that they have a responsibility to make sure the providers perform the services they promise by a licensed dentist as required by law.

I opened a Care Credit account for my step dad. He needed dental work but didn't have the money. So I open up an account and I was charged $1900. I paid no interest on the card and all I had to do was pay $110 a month. Everything went great. No hassles, no catch just paid back what you've borrowed, which is how it should be. I will still keep this card just in case of another dental emergency. It's a good card to have.

We had taken out a $6K loan to have some dental work done. We immediately paid off $4K of this (within 3 days of the procedure), and I just received my monthly statement/bill in the mail. They showed that we had paid off the $4K, but were still charging us the $250/month payment, that would pay off the original $6K in 24 months. The reason we paid so much upfront was because we wanted a lower monthly payment and had to pay for the procedure upfront (we had to wait for the $4K to come in from another source, and it was after the payment deadline for the procedure).

I got promotional purchase for 6 months and the minimum monthly payment was 41$. I scheduled to pay off my balance 2 months earlier than promotional purchase expiration date for 200$ each month, but they were charging me for 35$/MONTH so when I realized I had 135$ late fees in my account. Customer service explanation was because I scheduled every 10th of month instead of every 9th!!! What's the promotional expiration date is for while they charge monthly?!!! THIS IS UNFAIR!!!!!

Exactly one year ago, my wife was suffering with dental problems, which was causing her a great deal of pain. We were scheduled to go on vacation. She called a dentist. On arrival she presented her Cigna Dental card. We didn't know and were not advised this dentist was not a preferred dentist. Procedures were performed regardless. After several procedures (some of which were questionable), the clerk presented her with a form for Carecredit, which she signed, also while in a state of duress. This gave us no time to question the procedures and the cost, which we thought were exorbitant; $11,000 was placed with Carecredit, and the dentist received his money. It has been brought to my attention that a ruling by the Consumer Financial Protection Bureau has ordered Carecredit to pay back $34m in restitution. I called Carecredit this morning, as my balloon payment is due, and was told that they will add $2,600.00 if I don't pay $7,000.00 by the due date, August 3rd. Can Carecredit still charge me 26% even after this ruling?

Used Care Credit the end of April, never received a bill for May and when I realized this, I immediately got online to make a payment. It was one day late so there was a late fee. Set up for email statements. Paid the next month on time with no issues. Pay July's payment which was due the 16th on July 3rd. Just get an email that says I am past due and that my payment was processed on 7/3 and 7/15 and returned. Nothing has hit my account as I have no bounced fees. There was more than enough money in my account on the 3rd to cover my payment. Both payments in May and June processed correctly so I know the bank account number on file is correct. It is Saturday so I can't call Care Credit but am heading to my Credit Union as soon as they open to see if they can give me any information.

My Dentist recommended Care Credit to in 2009. I had automatic payments withdrawn from my account for nearly 2 years to pay off dental work. I lost my job and after 3 months of not being able to make payments, my account was sent to an attorney that call and harassed me for months. They tried to file a lawsuit and judgment against and the courts kicked it out. Now, 2 years the same law firm has filed against with claims that they have served me court orders and I never replied. This is a lie and scam. I could have files a harassment suit back against the law firm with amount of threats they were leaving with me and my family.

GE CareCredit card should be used only as a last resort. Their interest rate of 26.9% borders on usury. Their ads and commercials are very appealing and it is easy to be lured into their hype. If you want interest-free promotional financing you must charge a certain amount for it to take effect. It's best to contact GE CareCredit to find out the amount. You would think that GE CareCredit would give more favorable rates for their customers, who are mostly using it to pay for some health or veterinary issue. With their high interest rate you're better off using a credit card even if it's close to being maxed out.

I applied for a CareCredit card as I had to have a root canal and a crown and have no health insurance. I was approved for $2100.00 with no interest for 18 months. I had the procedure on 03/15/14. I thought for sure I would receive a bill in April or maybe May. So I called and they said no that my first bill would be in June and my first payment was due July 6, 2014. Well I have credit alert on my credit and I get a email that I have a negative against my credit. I look into and you guessed it. It is with CareCredit. I called and they said that my first payment wasn't due till July but that they had run my credit card for $2200.00 not the $2100.00 that I was approved for. So I disputed it and I get a letter saying they are going to uphold the negative against me. I will be paying this off as fast as I can and never use this for anything else. And if I can't afford to have dentist work, then I won't get it done. So if you can at all help it, don't use them or any GE Capital product at all.

I get a email last week telling me that they never received my May 2014 payment. I knew this had to be some type of mistake since I have auto payment to withdraw from my account in the amount of 100.00 on the 3rd of every month. When I called she told me that I put in the wrong account or bank number. Clearly that's a lie since I have had NO ISSUES for over 9 months now. I even looked at my Chase account and the payment was withdrawn from my checking without any issues. Looking online it seems like I'm not the only one who is having issues with this. She told me "let's pretend this didn't happen and I'll fix it and waive the fee". Looks like a scam. PLEASE BE ON TOP OF YOUR ACCOUNTS EVERYONE!

Wow, got hit with almost 1400.00 in interest fees because I didn't pay off the so called promotion! Always paid on time - just didn't pay more and while I was told about the promotion, I wasn't fully aware of the ridiculous interest fee!! This is the biggest rip-off known to mankind for interest fees!! People don't do business with this company!!!! You will be paying on promotions forever!!!

People be careful, I personally I have a perfect credit. I'M always aware of my payments so I usually schedule my payments one month ahead to be on time always. I scheduled a payment 29 days ahead and that payment was considered to be part of the prior month so 2 payments posted for that month when the prior payment was made 21 days before. Now I'M being charged 25 dollars for a late fee! Ridiculous!!!!!! Be careful people.

I have had a care credit card for over a year. I have always paid my bill on time using the online payment center and never had a problem. Starting a few months ago, I would go to log in and it would lock me out of my account even if my password was correct. I would have to call to make a payment. First of all, their automated system is ridiculous. It takes forever to get through to an actual person. I would go through the whole menu and even when I would say, "I would like to speak to a representative" it would say, "we understand you would like to speak to a representative but first we would like to know why". Then when I would say why it would send me to the end of the menu and hang up on me. I would have to call back 3-4 times before I actually got through to a person. I have to do this every month to pay.

I had 6 months to pay off of $880.00 and the other one for 12 months of 2890.00. In the top one I gave them for each month of $200.00 to pay off of $880.00 and I am trying to do this as of now on May 30, 2014 and I started all of this over the phone. And they gave me to start the account of $5,000.00. I did not want that but they gave it to me anyway. I also returned their cards and told my dentist I will pay my way. And it is almost the same way. I am trying to deal with DirecTV too.

I have had this card a year and have not missed a payment until last month and I was only 4 days late. They charged me a 25 dollar late fee and my payment went up to $40. I requested that the late fee be removed and it was but they left my payment at $40 for June.... I am very upset and especially since the interest rates are so high, it does not seem like I can ever pay this card off. I am very disappointed with this company. They have no way to email a complaint and the chat they offer is never working. I wish I had never gotten into this mess with this card.

I was told by Aspen Dental I could apply for care credit and pay some money over time. If I paid in 6 months there would be no interest charged. I paid this off in 3 months and they said I was late 2 months. They charged me $27.00 for each month so it cost $54.00 more than I originally charged. I also never got an invoice and though I tried to get on the website numerous times, it said I gave wrong acct number. So what they didn't charge me in interest they charged me in late fees. I paid $854 in 3 months, the total bill plus the extra $54 they charged me. Don't use them.

Aspen Dental in Bradenton, FL sold me a bill of goods to finance my dental through GE Capital. They told me they were offering a promotional plan that would be easy to pay. My dental expenses were $3786.00. Living on a limited budget I fell for it. The promotional plan was to be 14.9% at $105.00 a month. Of course Aspen received their money in advance. This was August 2012. GE Capital has been paid to date 2300.00 but I still owe 3552.00. They are charging 26.9%. I see no way out and the extra charges are costing me dearly. At this point I rather have no teeth. PLEASE EVERYONE BEWARE OF ASPEN DENTAL AND GE CAPITAL.

I have had my account with GE CareCredit for about a year and a half and the last 6 months have been TERRIBLE. They've charged me with late fees on 4 different occasions (roughly $150) and blame me! I have always paid every bill with any company on time. The fees are just one of the many problems! I cannot wait until I am done paying off my account with GE CareCredit!! I do not and will not ever recommend this company to anyone! Save your sanity and go elsewhere! AWFUL AWFUL AWFUL.

You better contact them a few times to make sure your problem is actually taken care of. They're not very helpful.

First I was told my payment would be distributed to all my charges until they were paid off. Now I am told if I wanted all my payment to go for all 4 different charges I would have to call every month and tell them. Otherwise they would only put it on 2 and later I would be charged late interest charges on the other charges. That if I make my payment early (before the 6th) it would not count for that month and I would be charged a late charge as well and they did. This is my 5th call to try and get information on how to get my charges paid. I did finally get most of the late charges reversed after 4 calls and a very angry lady on the phone. You never get the whole truth at one time. Just another way to scam people.

I went to the dentist on March 10, 2014. The balance was 0. I put a charge on it. In Feb this year my wallet was stolen. I am very careful and am tracking all accounts and emails. On April 11, 2014 at 8:30 a.m., I received a call from India informing me I was a month late on my payment. I NEVER received any other statement. They said one was sent on April 11, 2014. The only way to take the late fee off was to pay over the phone. I asked and was transferred to the U.S.A. Did no good, they will not send me a copy of the supposed first statement.

This has been the most confusing mess I've ever experience with a credit card company. I applied for a Care Credit Card from GE Money Bank in 2007 in the amount of $1000.00. My purpose was to have the Invisalign braces put on to correct some orthodontic problems. The dentist informed me I needed to have some deep cleaning done beforehand so I had one procedure done and paid the dental office $112.00 on a $420.00 bill. They also used my Care Credit card.

We took out a small loan from Care Credit to help with some dental problems. We needed this done and did not have the money. These people feed of the poor. They wanted their payment by the 27th of each month. I paid double on the fifth and because it was early we were hit with a $25 late fee. I called and tried to get the bill moved to the 10th like every legitimate business. This way it would not be forgotten. They refused even with the double payment. Because of the late payment the interest went up to 26%. By the end of our loan we ended up paying $1000 on a $500 loan.

After my complaint here I wrote on their Facebook wall, NOT Ge Money Bank but the actual place I went to which was Lasik Plus. Lasik Plus forwarded my complaint and I got a phone call in two days time and a letter in 5 days time from GE Money Bank, telling me the late fee was credited and I was not being double billed, and they were "sorry that happened to you" (me) And after all this I still would NOT recommend care credit to anyone but they did make me happy only after I spent more time than it was worth in complaining.

They are charging me late fees for payments that were sent out two weeks prior. All my other creditors seem to post on time, this is the only creditor that conveniently posts after the due date. There is something shady going on here.

I was looking through the Care Credit Physicians for weight loss clinics in my area. I found a physician/clinic through the Care Credit website. The physician is actually listed with the company name on Care Credit's website. It makes you believe that you are going to a credible facility with an actual medical doctor overseeing thing. I went to the Laser Clinic of Chesapeake. They advertise iLipo treatments and that a physician worked in the office. It isn't until something is going wrong that you find out that it is not iLipo as advertised AND there is NO physician actually working in the office. The physician is the "Medical Director" and the physician is an OBGYN that never steps foot in the practice. The only reason they have a Medical Director is so they have the ability to use the medical license to purchase the medical equipment and to get acceptance for Care Credit.

My wife needed some emergency dental work done and the office recommended this card explaining that it was interest free for one year. We had no alternative options so we went ahead and opened an account and charged the $6000 on the card. We did our best to pay it off, but of course after one year we get nailed with a huge interest charge for the past year. Now I look and we are paying 26.99% APR on this debt. I have never paid that kind of interest on anything. I would think something like this that is presented as a good way to help people pay for needed medical expenses would not be so greedy. I guess it is just another credit card. Anyways, I am paying $122 in interest every month to these thieves. Unreal. I will be paying this thing off as soon as I get the chance - hopefully sooner than later.

When I signed up for CareCredit I understood that if I didn't pay off the promotional balance would be charged the interest. But the way they structure the minimum payments does not add up to the total balance due after the 12-18 month promotional period. They structure it in a way that even if you're paying the minimum balance on your bill every month, at the end of the promotional period you still owe on the balance. Then they tack on the $800+ of back interest plus about $30 per month till the balance is paid. It's such a deceitful way to get you to pay hundreds more than expected. I would never recommend this credit company nor will I ever use it again.

I have been paying Care Credit for years. When I first started I was shocked by the interest I had to pay highest ever but I needed the work done so said oh well. Was going along fine, all of a sudden I'm getting these phone calls about being past due (which I was not) and had no reason why. I finally called and they said they raised my payment. I was shocked already paying $300 a month. I was like no one told me you raised my payment. Then I started getting letters that they were going into my credit report and kept lowering my credit... What the hell is up with this company??!? I will never use them again. Never been so ripped off!!!!!!!

On my behalf, I have had a lawyer contact the dispute department twice via letters and also call many times. She has been hung up on and also asked why she is calling. She even has a supervisor's name which gets one nowhere. She represents me because my son filed bankruptcy on a 3400.00 account in which I was co-signer. The plan was I would take over the payments (he was going to pay me) once his bankruptcy was complete. Wrong. Care Credit, GE Capital CHARGED OFF this account on me one month BEFORE the bankruptcy was even completed. My lawyer has been trying to get them to work with me to pay the debt, settle the debt, and prevent it from going to collections further, and take off the charge off from my credit.

I made payments throughout my 'promotional period' and the last month of the promotion, I did not receive a statement and the following month was SHOCKED to find my $823 balance ballooned up to $1,135!!!! A finance charge of $369 was added to my account! DO NOT USE GE CARECREDIT unless you want to throw money away. I should have just borrowed money from family to pay for my dental bill instead of reaching out to GE CARECREDIT!!! With help from family, I am paying off this bill this month AND writing GE to tell them what I think of their CARECREDIT.

I was under the impression when I filed for the card that whatever zero interest amount I had paid off up to the time the promotional period ended would reduce my remaining balance. Instead I learned that GE tacked back on the over $1200 I had paid that year AND MORE onto my remaining balance, as if I hadn't paid a dime. Each month I pay $120, and STILL my balance goes up another $20!!

July 2013, Dentist ** was going to replace my white but bulky upper arch Cerinates with the same shade crowns for $8,600.- There was also a loose implant. This was something special that I was treating myself to. What he installed were grayish horse teeth, almost twice as long as my natural ones. He did not respond to my remarks, so I sent a complaint to Care Credit asking for my money back so that I could find a more-experienced specialist. Dr. ** emailed that he would fix it to my satisfaction. Shortly after, a CareCredit woman called to say that Dr. ** had" acted in good faith", therefore CareCredit was siding with him. Since he promised to correct his mistakes, I did what she said, let him continue but the job was not finished. What if he messed up again? "Then you submit another complaint," she said. All the while, I paid 1/12th every month online without waiting for a bill.

When I went to the dentist I was told that as long as I kept my bill current there would be no interest charge. I have not had a late bill, however as of the 18th month, I get a $502.00 interest charge. When I called they stated that if you don't pay the bill in 18 months, the past due interest charges will be applied. I asked her why didn't they give me payments for the 18 months so that the bill would have been paid off timely. She said they only give you the minimum amount that is due. So that's lets you know right away that they set you up as to not pay the bill in 18 months.

They send you a monthly bill but they don't even give you 28 days for a month. You never know when your bill is due so you always have a late fee. They send a bill once a month but it's never in time to pay them. They draw you in with telling you have 6 months no interest but you don't because I like most people consider a month to be at least 30 days not 21 to 27. If you get paid once a month you never catch up no matter what you pay.

My disabled son needed vet care for his service dog so he opened an account that I made payments on. One month the mail was late so we got dinged double after that. He has now taken out a normal bank loan to pay this off as after 2 1/2 years the balance should have gone down instead of going up. I thought this was like an expensive finance company until they raised the interest rate making them just a payday loan company with offices out of state. He has been getting collection calls at 7am threatening him daily.

I have an account with G.E. Capitol. I have always paid my account on the 1st of the month. When I received my statement for December, I noticed a late charge fee charged from my late payment. I called a representative to discuss the fees charged. Come to my surprise, I was told that I was paying my payments before the new billing cycle. I also found out that I had six late charges for the past year. I told the representative that was not possible, that I have always paid my payments on the 1st of the month. I was informed that although I paid early I was paying before the new billing cycle. She also told me I still had the December payment due although I have already paid a payment on December 1st. So how's that for trying to make payments on time. DID THE FINANCIAL PEACE CLASSES, SO LOOK OUT BANKS YOU CAN HAVE YOUR CREDIT CARDS. When I have them paid who cares about a credit score? I will have money to pay cash for everything I need!!!!!!!!

I do not have great credit, but I do on the other have a great job, and with a little attention to detail on my credit report. You can clearly see that I am still in school and have little to no credit card debt. I asked for a small amount. They denied me. So I called customer service to find out why I was denied. She said she couldn't tell me but I would get a letter. Then I asked, "What is the criteria to be approved with Care Credit?" She said there was no specific criteria (ummm what does that mean). And then I asked her if there was a way to appeal the decision. She said no. (But that doesn't make sense, because if you can reapply with a co-signer, then there must be.) And then I asked if they had an email. She said no. How does a company not have an email? Worst and starting to seem like a credit scam. I was told that they were supposed to be flexible. Why do doctors push them on their patients if they are this awful? I'm going to find all the blogs on the internet and post and I will find an email and let whoever is in charge know that they are running a sloppy business.

I have had CareCredit, controlled by GE Money for years. It is current and is on AutoPay. I have struggled as a single mother of a disabled child that works full time. Over the past few years as the economy struggled so did I. I fell behind in other areas but not this account. My son broke his hearing aids last week as well as the TV. I purchased a TV last week on Big Sandy credit, also a GE Money card now. I was about to take his hearing aids to get them fixed and they lowered my CareCredit account. I don't think it’s fair this close to Christmas to hold other accounts against me as I struggle to pay all of them when I have always paid this one. Now my disabled son will either get gifts for Christmas or be able to hear... some choice. I believe they acted unfairly to better their bottom line. It dropped from 5000 to 1800 - that's a big drop, and now they make it look like I pushed my limit to max when I didn't.

UNDOUBTEDLY THE WORST CREDIT CARD EVER. I have PERFECT credit (I mean well into 800 FICO, had NEVER used a CC for anything, was in between jobs and decided to have elective surgery). We have recorded this company's "customer service" calls every 2 hours between the hours of 8AM and 11PM for the last 10 days. The first bill (which to this minute I have no idea what the amount is/was) was due on November 1. At EXACTLY 8AM on Nov. 1, the phone began to ring, first the house, then the office. Having just had surgery 18 days prior, I had not been to the office, but when I did go in, I called them back from the financial office phone extension. They then began calling that number as well. All three phones ringing in succession.

I try calling to pay off my remaining balance and to bypass to customer service I spend over 25 min. On the automatic service. Finally I got hold of someone and I was told I can't pay off in full my account since I was using another credit card. I can only use personal check or my ATM card. I was told this is on the contract I signed. I am so angry. They keep stealing money from hardworking people. I am recommending to all my friends to never use them.

I have had multiple issues with GE CareCredit. The most recent issue that I had was being placed on hold for over 20 minutes and then when someone finally answered my call, they were clearly unable to understand my questions. I do not fault the woman who tried to understand me, I fault GE for outsourcing the call centers. How am I supposed to be a satisfied customer when the automated call system routed me through fifteen different "how can I help you" scripts before allowing me to speak to a human? Then, when I did speak to a human, she was not able to understand my request. Finally, she transferred me to a supervisor who told me, "I am sorry, there is nothing that we can do to help". I have paid my bill each month and when my balance is finally clear - I am CUTTING this card and will NEVER recommend CareCredit to anyone.

A year ago, I was told I needed a root canal, over $1000, to save a tooth. I went to the endodontist recommended by my regular dentist. This specialist, after the first (of 3 very long uncomfortable sessions) had his office staff hand me papers to sign to be financed by GE CareCredit. It was my understanding that if I paid the full amount in a year, I would avoid interest. I signed, with the expectation that I would be able to pay some but not all in a year and would then deal with interest as I continued to pay.

My daughter had to open this account because of a dental emergency. She was unable to do so without my name being on the account. The total charges were $3000. I have made all the payments... I think, all but 1 payment well above the due amount. I went in to the account today to make her monthly payment only to find they added over $1000 in interest to the account. I have paid well over $1000 on this account already and never once has a payment been late! I have never in my life dealt with such crooks!!!! I called and was told if I made a $1000+ payment, they would wipe out the interest today. I have no problem paying interest but my gosh, $1000+ on a $3000 loan..... I will never refer anyone to this company and will do everything in my power to make sure people are aware of the way they do business!!

This pertains to an original review I recently wrote after I found out I was charged a "late fee" because my payment for the month ended up being posted one day into the previous month. This 5 star rating pertains to the excellent response I received from the cust service rep who when I contacted the co, she anticipated the issue and credited my account before I was able to ask the question! For this, I give the customer service dept a 5 star rating.

I took a loan with Care Credit for $10,000 per recommendation of my Dr. I paid every month and on time. I had $1,500 left on payment before the end of zero % promo period. I DID NOT RECEIVE A STATEMENT THE MONTH OF SEPTEMBER. How interesting. Same month my promo ended. I understood a high interest would be tacked on to the remaining balance. When I called to make a payment, my balance was over $6,000!!!! The interest accrued over the TOTAL loan amt is now to be paid back, not on the $1,500 but the $10,000. Care Credit are sneaky liars who steal your money.

You must watch all of your payments like a hawk because they really want you to mess up even though they have this promotion that you will not be charged "interest" if you pay the due amount in full by the promotional date. Read the fine print on the charge where you must make payments EVERY MONTH regardless if you've paid all but a few $$ of your balance well in advance of the promotional charge!! If you pay a payment too soon that ends up being posted early and don't ensure you have a payment posted EVERY MONTH during the period you will get a surprising service charge like I did for $25!!

I paid my card in full over $10,000 over one week ago. I was going to use the card again today. The automated response said I only had $4000 left in my card. I spoke to Shane (?a manager). Asked him more than 10 times not to call me Maam. Never listened and repeatedly called me this. He told me that I had to fax my before and after bank statement until they can release the funds back into the care credit. He did not stop using the word maam at the end of every sentence. How could they not know that the check was cleared, they RECEIVED MY MONEY FROM THE BANK. What a joke. I truly would think this was a major scam. Spoke to another supervisor who said just send in my statement proving it was taken out. I DID, BUT THEY HAVE MY MONEY. Horrible, horrible and scary. $10,000 in their hands and not back on my card? Going to use them for a small amount one more time and then safer to use my credit cards.

Just as I was getting ready to pay off the bill in whole, they tack on an extra $200, making my year and 10 months worth of payments meaningless. Adding that they can take off the $200 if I have another $700 in dental work and two more teeth removed. DON'T FALL SUBJECT TO THEIR LIES! I'd say I'd want an attorney to contact me, but it wouldn't do any good.

My practice is a target of an account review by CareCredit for over three months. CareCredit refused to disclose anything regarding the nature of the review, but has been withholding the funds from my practice that rightfully ours since June 2013, affecting our cash flow. It's in the contract and CareCredit has the legal authority to do this, but this is an example of the predatory behavior so often practiced by insurance companies. To make the matter worse, I was told by CareCredit yesterday (9/16/13) that they can withhold the funds up to a year.

Dog needed tumor removed. Didn't have funds for it. Vet had brochures for Care Credit. They are very straightforward on their terms. Yes, you are responsible for reading and understanding the Cardmember agreement. The due date is the same each month. Give yourself and your payment at least 4 working days prior to due date, for payment to process. If you move it is on you to still pay on the same day each month. Your bill will catch up to you. I was thankful to have this card for emergencies because you never know.

Bill came in with payment not even close to what I signed up for. They added on the unemployment thing. I never asked for it; they thought they could sneak that by. Told them to take it off. 1st payment came in at $22.00. Ok so by my math I owed them like $3808. My 2nd statement comes in and THEIR balance is $3852. I said where did the $52 dollars come from??????????? They told me, “Oh that’s the interest!!!!!!” $50 DOLLARS for INTEREST?????

Sent for my credit report, under Account Review Inquiries it says, GECRB it stands for GE Capital Retail Bank/Care Credit a card which I do have. Has no balance due allows me $1800 credit. They have over 120 Inquiries on me, from 09/01/2011 to 07/25/2013. Sometimes they have inquiries on me twice in a week, sometimes every other day. I am in good standing with them, always have been. So why are they putting these negative marks against me with every inquiry. Called TransUnion. They said call Care Credit. I did. Care Credit said they will have their Legal Dept. call me in 21 days. By that time I will have another ten inquiries on my report. Everyone, please send for your credit report and check it out. I will keep you all informed.

They were not very clear about the "promotional" period. I have a loan for dental expenses of $1000.00 have been paying on for over a year now, and on time and more than my minimum payments. I was making payments online and noticed my balance was back to what the original loan was and my minimum payment due was way more!! I had paid almost half of what I owed on the loan, now I'm back to where I started!!! They are ripping people off!! Someone really need to look into this, it’s not right for them to charge a person another LOAN!!! It’s like you're paying that loan off twice! They are also killing people with their high interest rate, and late fees (which they were not very clear on that either when you take the loan).

I missed the promotional pay off by a few days. Called and after waiting 25 minutes listening to loud music, I finally was able to speak to a nice operator named Carmen. She said that if I paid the original balance, they would wave the interest charges (almost 700 dollars). I specifically asked her how much time I had and she said well as soon as possible. I called the next day and spoke to someone else since it is impossible to speak to the same person. She had a completely different attitude, however took my debit card information and said, "Oh I am so sorry you have been declined." She told me that I needed to call my bank and get it straightened out because this has never happened before and she had no way of knowing that I had the funds in the bank. I told her I was looking at my bank account as we were speaking and that she had swiped my card three times and she told me that was impossible!

So, I called today to ask a couple of questions. I never had to call before and I am so glad I called AND I read the reviews online. First, I wondered why my account was NOT going down. If your one day late, they charge you a $35.00 fee and from a review I read, if you don't pay 5 days in advance before your due date online, then your account won't be posted timely and they charge you. I am sooo tired of getting ripped off all the time. I mean really tired of it. And I called to tell her I got laid off and asked if they could waive the fees for a few months while I look for a new job and she told me they don't work with people on this.

I called customer service to ask a question, after I spent 15 minutes in the computer looking for an email address to communicate with them. I spent another 17 minutes waiting to discover that they don't take into consideration people with hearing problems. I believe that at some point, they discriminate against us.

I have had problems with Billing from day 1 with this company to the point of considering them the most ridiculous fraudulent company I have ever dealt with. I've been dealing with this for years now and am trying to clear my credit of this once again. They consistently were saying I'm late on payments that were paid on time. One representative finally told me it takes up to 5 days for payments to post if paid on their own website. I had 3 accounts for $500 each: one in my name, one in my wife's, and one in both of our names. I paid these down to less than $200 total using their electronic billing which provided no balance so I am having a hard time proving the fraudulent billing practices. I now have over $3500 owed posted on both of our credit reports. MIDLAND CREDIT MGMT INC is the collection agency holding this account now asking 3x what I originally borrowed.

RUDE PEOPLE!!! I don't think GE CareCredit has anyone from the U.S. working for them. Why do they charge $15.00 to pay over the phone? Plus, if you overpay, they just keep your money and raise your credit limit. You don't get any money back; you just get the ability to borrow more later. I don't understand how I have to pay back... if I paid more in advance. They rip people off.

When I called Care Credit today, my call was routed overseas. The customer service representative asked for my name, home address, phone number, birth date, and full social security number. I felt very uncomfortable giving away such personal information. Recently, my husband had fraudulent overseas charges placed on his credit card, and for this reason and others, I do not feel comfortable giving out information to companies doing business overseas. Additionally, talking to an overseas representative is almost as frustrating as an automated computer response. I do I like to give out my social security number. Period.

First, I contacted the number that continued to call without leaving a voice message. When I heard the operator and reference, it made sense. The prompts come on the call will be monitored or recorded and the rep's voice appears. After 7 times of "I am here" and having full signal on my mobile, the female responded. I cannot tell you how many times I repeated myself and gave the same information, which she asked out of order numerous times. Finally, she got it all down and my payment was made. Next, I would like to ask a question she may answer or direct me elsewhere to someone who may. I am not redirected, yet given a number to dial. I dialed the number and it said, "Congratulations! You won a 2-night cruise to the Bahamas. Please press a number to speak with a representative or stay on the line for further assistance." I stayed on the line and was hung up on.

On the 25th of the month, my dentist charged a dental procedure that brought it up to my credit limit. I have set it up on an automatic payment, so I didn't think much about it. However, on the 25th, they also charged me some interest from a previous balance which I thought I had paid off entirely. No big deal either. However, that interest charge which was less than $60 showed up as a derogatory item on my credit report on that same day. Even though I brought the balance down by $400 the moment I learned about it, the customer service rep and customer service manager had no sympathy at all even though I have been paying them for more than 3 years at 26%, which I had completely forgotten about how high their interest really is!

This credit card is just like any other. If you misuse it, then that’s your fault. I have had Care Credit for 8 years and never had a problem. I use it to pay Dental Co-pays and for Veterinary Services. I always pay through my bank's on-line bill pay with no problems. People need to start taking responsibility for their actions. I even had an issue with being overcharged by my Chiropractor. Needless to say, the Chiropractor Billing Department was horrible and I dropped off a stack of insurance statement and bill receipts showing they overcharged me $50.00 and they never got back to me. 2 months later I filed a dispute with CC and mailed them the same paperwork. Within a week I received a refund. They had to mail a check because I had just paid the card off. It came in no time. I see a lot of negative review and I have personally never had a bad experience. But then again the complaints seem to stem from credit card misuse.

I am glad I was able to find so many reviews online, and even through some financial sources before applying for this card. My dentist suggested it and I took home the brochure to read. Consequently, I was shocked at the lack of clarity in their brochure and counted at least seven typos, not very professional. The language they used to explain the promotional period and terms are vague at best, misleading at worse (and their website does no better). All this sets off serious alarm bells for me. I'm not going to be hoodwinked into this one, GE CareCredit!

For 8 months, we paid within a day or two of the due date thinking there was a couple of days' grace period. There were not, and they failed to notify us of this status. They went back and credited our account for all of the late fees, but it could have been resolved with a little customer service due courtesy. My opinion is that they steal patients' dollars along with the dentists who use them.

This had to do with a dental bill of over $5,000 which I paid in full via check by mail. They cashed the check one day after the processing period and charged me an $81 finance charge and a $35 late charge, and because I moved and asked a friend to forward my mail (which he just did after 4 months, lol). I now see that I owe $122.50, which is ** to begin with. So I called, got hung up on, called back, and I was told that they were having trouble with their phones, and then I gave them credit card info to pay the bill and they told me they would charge my card $123 because their system will not allow them to take a payment ending in $.50 and then after all that, they told me they don't take Visa, only Master Card. This company is unbelievable.

I made an online payment with bill pay on 4/15 for $200.00. It has still not shown up. In your QA it says, "Payments received before 11:59 PM ET (Eastern Time) on any day will be credited as of the same day. Payments received after 11:59 PM ET (Eastern Time) on any day will be credited as of the next day. Payments that post to your account after the payment due date may result in a late payment fee being assessed to your account." The money was out of my account on the 15th and you haven’t posted it yet. I guess you’re waiting for the 20th so you can hit me with another late fee like you did in February of this year. I have never dealt with such a dishonest company as this. Shame on GE! I took out a loan at my bank and will pay this off as soon as my payment shows up. Never again will I do business with GE or buy any of their products. Never!

Highway robbery. GE Care Credit is charging an outrageous amount of interest. I will never use or purchase anything from GE again! 26% interest should be against the law. GE sucks!

The worst of anyone. I need to call to make a question about my account. I don't have one of the 20 questions they made to identify my identity. Between these was social security number, so they asked what was my last address 2 years ago! I had to hang up because he told me he can't help me. The second call was worse. When they asked the number of the card, I told him I had no idea but I can identify. Guess what he said? He hung up the phone on me! What? Really? And of course, the website doesn't work. So I will not blame anyone of these members because probably they couldn't talk with anybody. Worst customer service in the world!

Avoid this company unless you want your credit rating ruined. I opened an account in mid-2007. Six months into a 24-month promotional rate, they suddenly have no record of the promotion and started charging 24.99% interest. Like others, the provider could not sway their minds of the promotion. Short end of story, I was taken to collections (pay up over $9,000 on a $3,000 bill) as they would not cancel account or renegotiate payments. Credit report shows GE Care Credit charge-off, plus collection company, and subsequently lawsuit. What's worse is that even though our family is now paying off the debt, the charge-off continues to be freshly reported each and every month. That is called credit report poisoning.

I have never had any problems with CareCredit. We have always come up with the same balance. I keep very good records of everything financial - receipts, bank statements, etc. The guy who says he was told his balance didn't match theirs, all I have to say to him is make copies of your receipts and anything else that shows you paid. Take care of your business!

Since I had a Lasik surgery on 11/04/2010, I haven't purchased anything using this account. But this company asked me pay a lot until now and there is no exact connection to talk with their representative. I assume this company is doing fraud against the customers. I attached their transaction but I have never bought these things before using this card or this account. Please solve this problem. I have been paying for three years more than 5,000 dollars, but they say I have to pay more than 3000 dollars.

Care Credit healthcare through GE Money Bank is the biggest rip off in health care. I have been paying my bill since August of 2011. Eighteen payments of about $2,200 and my bill today, March of 2013, is more than the $4,100 that I financed. My bill never goes down. Every month, it is higher than the month before. What can I do?

I made an automatic payment to my account so that I could pay off an old procedure and have another one done. The payment cleared my bank the next day, but is still unavailable. Who in this day and age holds money for a week or more on an auto-withdraw from my account? No one is willing to talk or help me.

I am actually very angry at this point with CareCredit. I cannot accept their apologies anymore at this point because it's gotten ridiculous! I had a procedure done on November 4, 2012. In August 2012, I had called to request a due date change from the 16th of every month to the 28th because that's when I would be able to make my payments. In November, I charged my card and thought to myself, "Okay, so I changed the due date to the 28th so I'll be able to make my payment on time!" No, that was not the case! It took CareCredit 6 freaking months to have a simple due date changed! It took several calls and complaints until they finally changed the due date, which didn't take effect until this month of February 2013.