Synchrony Financial Reviews

I tried to register online and was forced to call in. Found out that whoever entered the account didn't have my correct birthday, although they approved the credit and the card arrived. I cannot correct it by phone, by fax nor in person at Sleep Number retailer where I bought it! The agent wants me to make a copy of an license or passport and snail mail it. I have no balance nor credit available since they can't create the account so I cannot simply pay off the card since they cannot create the account.

Just trying to view the bill so I can pay it. My wife is in a coma. I need to only change her email address to the new one as we have moved. Don't have the account info. Dealing with her medical condition in the middle of closing on our new home, I am completely overwhelmed. They won't shoot me not one bit of break. Mindless corporate drones who have no soul.

This response is directed to GE CareCredit otherwise known as G. E. Capital Retail Bank who then transferred to Synchrony Bank. When you come to Scottsbluff, NE to render a judgment in your favor, you had better have proof of the certified registered receipt and the signature confirmation. This includes a copy of the summons and complaint. That also includes proof of service of a copy of the summons and complaint. I was not notified of this action in 2013 and this is in violation of my due process rights pursuant to the Constitution and International Law. Asking for a social security number over the phone is in violation of the Social Security Act subsection 208, section 8. Go read that. That is why account numbers are used other than the social security number. A person cannot be compelled to give out their SSN under Title 18, subsection 242 under the "Color of Law". There is no law and a requirement to do so under Title 18, subsection 242. Go read that as well. This situation took a very long time to resolve a relatively simple matter and quite frankly, I will never do any business with this entity again. This matter is not resolved until I can fully concur that my credit reports have been corrected. In addition, the only entity that should ask for the SSN is the Social Security Administration itself. That's it-Period. This has been upgraded to a two-star rating instead of a one-star rating.

Last month my bill was around 1,700. This month I have an interest charge of 800 dollars. I was not aware this would happen. I never signed anything that said they would charge this amount. I'm receiving help with my house. I cannot pay this ridiculous amount. On top of this they will charge me 52 a month. I believe CareCredit is the biggest scamming company! Please help.

For convenience I initially used CareCredit for a dentistry bill. All went fine with my automatic monthly payment through my bank with the first payment on 2/24/25. No interest, no late fees. Great program, I thought. After it was paid on 4/16/15 I again used it for my husband's new glasses on 5/1/15 through Eye Specialists of Florida. I set up a similar payment schedule with my bank for the glasses, earlier pay date with different monthly amount, of course. The pay date was set up on the 21st to sync with my Social Security income, just like I set up for major credit cards. I paid $55 (over twice the minimum payment) on 5/21/15, 20 days after the purchase, & before I received my first statement. I received no late payment notices by mail or email.

Today I received a letter from Synchrony Bank notifying me they have closed my Care Credit account (paid off since Sept; prior payments made on time) due to my overall poor credit! So... I pay them as agreed, on time, pay off my account in full (until I need to use it for the next dental or vet visit) and they reward me by closing my paid as agreed account?! REALLY Synchrony Financial?! To make my credit worse, you close my account which will lower my credit score, as I'm working to rebuild my credit history, after my husband passed away last year?! You people are truly **!! Shame on you!!

Be cautious.I signed up for a "promotion" in which no interest was to be charged if paid in full within the promotional period. When I signed up I check the box that stated (and it was explained to me in this way) I was signing up for 12 equal payments to pay off the balance within the promotional period and to be automatically withdrawn each month from my bank account. I will take responsibility for not reconciling the amounts and making sure it all added up. I just saw that payments were being withdrawn from my account each month. Since I thought that it was automatically being withdrawn to pay off the balance within the period, I didn't think I had to worry about it.

My husband took out a 500 credit line for us to pay off our dogs' vet bills. They never sent us our first statement, so we were unable to login online because we had no idea what the account number was. When my husband finally called, they told him he owed a late fee of $31.00. My husband disputed it. They said they'd send it in the mail, along with a card. We still haven't received that and it was over a few months ago. I'd never work with them again.

I never received a single statement in the mail. Still made everyone of my payments online. One month it was late (since I didn't know when it was due). They charged me $35 for that month and every month after totaling about $500 because it kept rolling over. No help at all. So frustrated!

I first signed up for the CareCredit card because, way back about 10 years ago, I had no insurance and I had and still have lots of orthopedic issues. Needless to say, I did qualify but for only $500. I was going to see a NP at this ortho office and she basically was trying to get samples of everything for me (she was truly my angel at that time) and she also got samples of the cartilage type shots that I had to get 3 each of that were $100 a piece! So, long story short, i used this card for whatever I needed at the doctors' offices I went to as long as I made sure I could pay. Well, I did, on many occasion (because I was only working 20 hours / minimum wage) a week. I could hardly afford much and had to pay the minimum amount each month.

My beloved dog had an accident and required emergency care. I was SO grateful that I was able to use CreditCare for the medical expenses. However, dealing with the customer service department has been a nightmare! I tried to go online to mysynchrony.com to set up payment. The system would not recognize my account number (which I now know by heart from typing it in so many times). I called customer service and got a man in India. He advised me to refresh my computer... blah blah blah... then said to me "They have been having a problem with their system lately. Try again later". REALLY? Three days later, I just paid the bill online through my own banks bill pay system. As you know, those payment take three days to process. I made the payment today, but the due date is tomorrow... meaning my payment will appear as late. So, I called, explained my dilemma and was basically told they could do nothing.

I signed up for the Amazon card. But never received a physical card, never had a statement, online or by mail. I believe this is a business model that preys on people's inertia. Those that don't closely check their balances, statements and charges, therefore making fantastic amounts of money in charges, never disputed. I have had my charges refunded and have closed my account. I urge you to do the same.

I got a CareCredit card in May 2015 to use at the vets when a pet needed urgent care. I knew the rates were high. I also was given a promotional deal that when you charge over $200 there is no interest if paid in full within six months. My very first charge was $203. I had two more charges, each under $100, during the months after the first charge. During the sixth month, before the promo deal ended I checked my account online to make sure all was going well. Even though I had paid $205 on the promo charge of $203 the website said I was still past due $21 dollars. I called and was told some of my payments went to pay on subsequent charges.

Today the company's website is under maintenance and they go to the extent to say that you can make a payment with the customer service line @ 1-866-419-4096 but when I called the number I was on hold for more than 47 minutes and I decided to hang up because I have used that time I wasted to get something else done. It's very frustrating when the company says something but fails to keep up with their word. The message on the website does not say how long the site will be under maintenance which is just not right. I guess they expect you to check their website 5-10 times a day to see when it's up and running.

Misleading. Customer service is awful. Obviously sourced out of the U.S. service. Reps continuously disconnect you, causing frustration and if you are I'll, unable to deal with runaround. Late fees are so high and they did not want to work with you to have it adjusted (no fault if you are hospitalized due to accident). Terrible.

I have several accounts that were formerly managed by GE Captial that has now been taken over by Synchrony Bank. Synchrony Bank is lowering your previous credit limit to at or below your current balance and in some cases lower than your previous limit to charge fees. By lowering your credit limit they take your card to maxed out which then lowers your credit limit and begins a vicious cycle of lowering your limits further. They need to be investigated.

This is absolutely the worst company and the lowest level of customer service received. I called to get my account number so that I could pay off my loan and the agent would not give me the account number. Her solution was to send me a new credit card so that I could get a new account number. I offered repeatedly to answer all of the necessary "security" questions to confirm my identity, but to no avail. This company needs to improve exponentially in order to even get a chance to provide me with consumer credit services in the future. I do not recommend this to Synchrony Financial or their CareCredit dental/medical loan services to anyone. Beware!!!

I purchased furniture from Rooms To Go in which Synchrony financed. The 1st bill was $25; therefore, I figured the monthly bill would be $25 unless I added something else to the account. I set up recurring payments for $25. The following month, the $25 posted to the account then a few days later I received an email stating $6 was past due. I retrieved the bill online. Apparently the bill increased to $31. Not sure why because no additional purchases. I immediately called Synchrony and explained the mixup and requested the late fee to be removed because at that point the balance due was $64 which included $25 late fee, $6 past due and the current amount due $33.

Horrible customer service, most unfriendly employees. Why would anyone deal with this bank? Unfortunately I had to for business, and trust me I will never do again. And I advise anyone to stay away from this company.

I have 9 store credit cards that I've had for over 20 years with some of the stores, and all were closed without any notification in writing or letter. I had to file chapter 13 due to a very messy divorce (I was ordered to purchase and make payments to my ex for a house that was all in his name). So to protect myself from this I filed but my credit score is still in the fair range. I kept my store cards because I had frequently used them for rewards but I always had paid on time and 0 to low balances. This is not fair since I've been with some of these store cards for years! I can see if I was a risk but since they were not on the chapter 13 and I was in great standing why should they be cancelled?

I have had several accounts with Synchrony Financial (Formerly GE Capital). I have a 730 Fico, no lates, and they lower my credit limit every time I make a payment to just about the balance. Currently the only accounts I have left with them is a PayPal and Amazon Store, and they BOTH will be closed as soon as I close on my house. I am currently livid, and my mortgage is in underwriting, and if this causes a problem, I will be taking a lot further recourse. If it does not, as soon as the loan closes, I am shutting down ANY accounts I have with Synchrony Financial and will stay far away. DO NOT GET ANY ACCOUNT WITH THEM. It is not worth the hassle. This particular card started at a 2,000 limit, and is not at 250! I have others that range from 3200 to 5000 that have little or no balance. Why does Synchrony Financial do this? Poor, poor business practice.

I returned to the U.S several years ago after being out of the country working for several years and finally checked my credit report and found I had a Charge-Off from Synchrony/JCPenney from a credit card that had been opened while I was out of the country working. I tried calling Synchrony many, many times trying to get information and report it as a fraudulent account and was told by their customer service employees that they had no information to give me and that the account was originally serviced by GE Money and they never received anything from them when they took over the account. They told me that I had to contact the Collection agency Midland Funding and that if there was any paperwork to Validate the Debt, they would have it.

Was charged a late charge because I paid my bill early. Can't pay the bill before the billing cycle ends they said. Makes no sense. I had already made another payment before the billing cycle ended and ask if I would get another late charge. Yes, I would, but they could refund the payment I had just made and I could make it again after the billing cycle ended. Agreed to that.

Synchrony took over GE Financial and it's been amazing how they treat their customers.

I have tried at least a dozen times for different credit cards with Synchrony Bank over the past three years... Each time with a denial. My credit is rebuilding (avg score 600). I have been approved for three cards with Comenity Bank & two personal loans & an auto loan but this bank does not seem to like me very much. I have never had an account with them that has went negative... In fact years ago I had a Walmart credit card that I was a joint applicant on and it was always in good standing and eventually closed by our decision. I guess Synchrony Bank has way too many customers and can afford to be extremely picky. I will make this promise to them though... Even if I get my credit up to 800 I will never apply for another credit card with them. After seeing all the complaints on different websites about the bank that even makes my decision easier to stand by.

We bought a 4600.00 bed and signed up for a Syncrony 12 month no interest account. After 9 months, there was a 99.00 balance at the end of July. We never received another bill as of today 10/05/15. Their collection dept. called this morning and I was connected to Customer Service. They told me that the Postal Service returned both the Aug. and Sept. bills, even though we received the previous 9 monthly bills with no problem. Even after admitting it was their fault, they couldn't assure me that I wouldn't be charged for going past the promo deadline after they sent the bill in 7-10 days, and I responded with the final payment to them before 10/18/15. It forced me to pay by debit card today. Smells like scam to me to mysteriously not get the final bill. I wonder how many people got burned by this unscrupulous practice. I know I almost was, I thought I must have paid it off. I never got another bill from them for two months.

It has been a nightmare with my Banana Republic card ever since spring of 2014 when they switched my regular card to a Visa; I take it this was when BR switched to Synchrony- I have had so many issues since. The first was that the card was not linked to my online account and they had 2 separate accounts set up and neither reflected an accurate balance. The bank will call 2-4 times a day to reach me- I believe this is considered harassment. A few times I have gone to pay for things, zero balance on my card only to be told that my card was being declined and I would need to contact customer service. One month I was attempting to pay my bill online and could not log in. They said I needed to call them asap. I did and they said they had turned off my online account because I had not picked up my phone to "verify my address"; yet I was paying my bills on time and had verified my address 3 months before.

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.