Synchrony Financial Reviews

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.

In the summer of last year, I needed to get some dental work done. After my insurance covered most, the bill was still $800. They said if I wanted, I could sign up for Care Credit and use that to pay it. I asked them what the interest rate was. And they said, "No interest for 12 months." I thought that would be perfect because I could make a low payment and still have it paid off before the interest kicked in. So, all this time, I've been paying the minimum which would be paid off in 12 months.

I have an account with these thieves and my payment was missed by accident as I lost my mom this month. I tried to tell them that she had passed on and they wanted me to give them her SSN. I had no idea what her full number was and the guy got smart with me. I then told them that they can take their business and shove it up their **. The company makes you jump through all these hoops when something happens like what happened to me. I missed my payment and now I owe them over 60 bucks. They have no heart when someone dies. My mom was on my account and since I did not have her full SSN, they could not take her off my card. Once I pay this off, I will shred my card and be done with them.

I realize I had a previous balance with you and as of 12/2012, my balance is $3,272.72 and I was 90 days past due. Well I did not want my credit to be awful, so I obtained three part-time: (1) LiveOps, a job where I answer phone calls to sell items advertised on TV; (2) Homebound, where I go to children's homes to tutor and teach; and (3) PAI Palmetto Autistic Incentive, where I go to homes of children with autism and work the ABA Behavior Therapy with them. I obtained these jobs so I could begin making earnest monthly payments. I made a sacrifice with my monthly financial obligations and saved and paid you, GE Capital Credit Care, the $529.00 balance I owed. I then immediately turned around and paid another $112.00 that brought me up-to-date.

CareCredit makes themselves look good, but if you open an account and don't pay within 6 months, they add about $300 interest higher than any credit card. I needed glasses that was about $500. Two years later, making $50 a month payments, I still owe $476.00. I have never missed a payment and paid them around $1,000.00 so far. The interest rates keep going up - now up to 27.59 percent. They are raising rates every time I make a payment.

I needed hearing devices and was given the option of opening up a CareCredit account. It sounded like a good deal of deferred interest for 12 months. My credit amount was $3,000. I made prompt payments every month over the minimum balance required. The deferred payments were up in December and I knew that, but I thought I would be charged interest beginning on my remaining balance, which was now $700. I was appalled to see when I opened my bill that I was charged over $600 interest on beginning balance of $3,000 twelve months ago. Also, they conveniently posted my check last month one day late and are now charging me 26.99%! If this wasn't so absurd, it would be funny. Are they kidding me? I thought there was some mistake but there was not and I called over there and of course, like everyone else, there was nothing they could do. I have called now (recorded the call and notified them of doing so) and have closed my account. Beware of this CareCredit. They only care about swindling you out of all of your money!

I had an account with CareCredit card for 10 years. I used it only for dental care. I chose to go paperless. I had my payment drafted from my bank automatically every month prior to due date, in excess of amount due. I did not look at the statement often as I knew the bank draft cleared every month. Then I decide to check my balance with the idea of using it again. According to my calculations, my balance should have been $200.00. I was shocked to find GE Capital Bank had changed my due date without notifying me.

I thought it was my dentist's office that made the initial error with inputting the wrong promotional offer code, but after reading other complaints, it's beginning to look like this is standard practice on the part of CareCredit. I signed up for a 0% rate for 24 months and began being charged after six months (24.99%). I called customer service who told me to write a letter, which I did. My dentist's office called and wrote a letter and CareCredit opted to do nothing, because it was beyond the 90 days that my provider had to correct the error. Deplorable tactics and service.

CareCredit (GE Bank), you’re the devil's bank. I owe $1,300.00 and now they charge an interest of $1,500.00. People, do not use this bank. They will take your money.

This company sold a debt to another company in my name and I don't owe them money. I paid them by phone in full in October. Now, today, I received a call stating that I owe Attorney Frye $300 for a past amount owed to GE Money. When I called Care Credit/GE Money, they said they had no information and sold the debt on July 5th to Atlantic Credit. I was told that they did not know the address of the company but I could google the name and phone number. When I did that, I got the address and phone number of the person who said they were from the law office of Attorney Frye. I was instructed by them to make a deal with the attorney's office to make this all go away. I told them that this makes no sense to me, to make a deal and give them money for a debt that I don't owe. I don't know what to do. I can't pay something that I do not owe.

The cardholder of this GE CareCredit account is my mother, Diane **. She had called and gave them authorization to discuss the account with me, Shannon **, since I was going to be paying the bill, which I have been paying the bill on time and more that what the payment was. I had a lot of medical issues and I am on disability due to all my health problems. I used the CareCredit to help with the care of teeth because I’d been in so much pain I had to have a major mouth surgery and I used the CareCredit to pay for my partials. Now, I’ve been getting the statement and paying the bill online, but I was out of town and didn’t realize that they were offering a promotional balance payoff. The amount was $1500 and I had it down to $673.50 and they offered the promotional balance on 11/17/2012.

GE CareCredit is a predatory lending company. In September 2011, I need urgent dental work done. My dentist recommended CareCredit to finance our $2,100 dental bill. We applied and was approved for the loan amount with 12 months interest free. Fast forward to six months later. I received a bill stating that our interest free trial has expired and that they had charged my current balance of $1,100 a whopping 26% interest rate!

I took out this loan for dental treatment. I was advised that if I paid the total balance before 3/9/2012, I would not be charged interest. I paid the total balance (over $3,000) before the due date (2/2012) according to the customer service representative and now I am being charged for the interest because now the company is saying that the full balance paid was late.

I have two purchases on my care credit card. One is still in the promotional period. I have been sending payments expecting all of the payment to be applied to the first purchases, which was not in the promotional status. Instead, they were applying my payments to the purchase which is still in promotional status in order for the company to receive more interest from me. When I tried to correct the problem through phone calls, I was treated badly and was told I had to send a written request for my records. So I did and they sent me the same paperwork three times but not the paperwork I requested, which was my entire payment record from 2010. When I asked for the corporate phone number, I was informed I could not have it. I just want all my records of payments for 2010-2012 and I want all my payments applied to the purchase charging me interest.

I made two payments to this company (G.E. CareCredit) and the payments have cleared the bank. I got an e-mail saying I owed money on the card for this month. I called and the automatic machine said I had no minimum payment due. Are they allowed to practice this way?

I set up this account at my dentist's office for my own dental work. My husband was not even present. Now, today, when I tried to call GE Care Credit to see why I hadn't received a February statement yet (I am quite certain the bill will be due 3/3, even though I haven't received any paperwork yet.), the woman said she could not tell me anything because the account is in my husband's name.

I lived in Oklahoma City. I worked at a doctor’s office. I called and applied for care credit so that I can get upper dentures because of osteoporosis. They charged my card, maxed it out. I had to take my 2 girls and move back to WV in an emergency. I was admitted in hospital. The dentures do not fit, fall out and I have to use Fixodent 3-4 times a day which is dangerous. I would like a response to take only the work they did off my card and refund the rest, so I’m able to get my teeth done. I have 3 different dentist and orthodontist opinions. I already have a lawyer. Please use this option so we can settle this fair and easy. Thank You.

Each time we used the card, at two different dentists, they allowed the dentist to change the terms of our agreement. I had it set up on flat pay plan, and they allowed a third party to change the contract we had with them, that cost more. The monthly payment goes up, and you have no control of your agreement with Carecredit, who are also known as GE Money Bank and J C Penny credit. Just in El Paso, Texas, they have 1,720 complaints againest Carecredit/GE Money Bank.

I have made payments on: 9/21/2011 for $1000.00, 10/19/2011 for $54.64, 10/24/2001 for $165.36 and 11/28/2011 for $500.00. I made these payments in good faith thinking I was paying off a credit card. I really don't know where this money went and who is receiving it. I had my high rate card changed to CitiBank with 0% financing to pay off this bill quickly. Please help recover my money. Thank you!

I bought their account security protection plan in case I lose my job or get sick. Well, I lost my job and was receiving unemployment benefits. I contacted them and let them know about my circumstances. They asked me to submit proof of unemployment benefits, so I did. Then they turned around and told me that they needed papers of my employment verification and I did.

I had dental work done and financed with Care Credit. When I tried to pay the balance over the phone before there would be a finance charge, I was told I could not use an ATM card to pay the account. I was told that I had to send a check with the payment coupon. I asked for the balance and wrote a check. A few days later, I received the check back with a letter stating it was not enough to pay off the account. I again called and was told that I now owe another 700 dollars, and I can send a check, but there will be daily charges until they accept the final payoff.

This is my second complaint with GE CareCredit since the first one has not been answered, as I did ask for a reply to have this problem taken care of and it looks like there has been a lot more people complaining since mine, and I would figure their office would have acted on them by now.

I started out owing them $4,000 in January. Now, at the beginning of October, I have paid that down to $1,770.70 in just nine months. The minimum amount they want you to pay every month is $95. I know of no other creditor that requires you to pay that high of a minimum every month. That said, paying the minimum would have only added up to $855. I have paid about $2500. There is a couple hundred dollar difference between what I have paid and what I owe due to interest. I had an extended period of unemployment. I have recently been hired for a new job. But the job does not start until the 10th of this month. Due to my extended period of unemployment, I have very little in the bank. For just one month, I would like to pay my Care Credit bill by credit card. But they absolutely refuse to let you pay by credit card. I also do not understand why the monthly minimum is still as high as for $1770 as it is for $4,000. I just want to pay once by credit card. By the following month, I will be working and earning enough money to, once again, pay my bill through my bank account.

I received a letter from your company stating that I applied for something called CareCredit, which I never applied for credit with your company. Someone stole my information and used it to apply for credit. Please notify the three credit agencies that you use that this is identity theft. I have tried to notify them but I got nothing. Thank you.

I took out a loan for a medical procedure a year ago. I feel ** for not researching this company more. Basically, I was told I had a zero interest loan for 12 months that ended September of 2011 (this month). I went to pay my account in full. Not only did they charge me a late fee saying I was late (I paid on the actual due date), they said the promotion ended a few weeks ago (end of August). And because I failed to pay it in full, they tacked on 1500 dollars of back interest onto my account that I am now apparently responsible for! What happened to "zero interest? The interest starts when the promotion date has ended. And what happened to the promotion ending this month?

The payment calculator is misleading on their website. Payment plan shows no interest for 18 months if you pay $283.00 per month. I have automatic withdrawals every month, so I never missed a payment. After one year ,GE charges my account the amount of $1106.84 as finance charge. I called and talked to GE and they said those payment plans are an estimate. I explained that this is very misleading. They charge interest on the past year and future balance.

I called CareCredit a couple of months ago to find out exactly what had to be paid before promotional 0% interest ended. I was provided one date. I was also informed that all payments went to promotional period first. I was told I had one promotional period. Made a payment for what was showing as promotional balance. Now it is showing a different amount. I have been told on 08/16/10 that I previously had two promotional periods, but I wasn't told that when I called to check balance. Now I'm being told that I have been charged interest on the account since January and that one promotional period had ended when I was informed that I only had one promotional period. I was interrupted multiple times by this associate and talked to very rudely.

It's not what has happened, it's what is possibly going to happen, and that is the same experience I have read in all the above complaints. Why is this company allowed to get away with this and why is it not a requirement that dentist office explain the whole thing to you? If I knew all of this beforehand, I would have just used any credit card in my possession, and worried about interest rates, time and so on later. Anyone have any suggestion to stopping this hell before I start making payments?

After more than 3 years with your company, I sadly have an issue with your customer service. I called in last month and spoke with a woman (didn’t take down her name because she didn’t personally make any physical changes to my account) and asked if I were to use my Care Credit card for $4,500.00, would Care Credit be able to put that amount in back of my remaining balance, so that I could start payments when my last loan was paid off?.

I was late one payment and they now charge me 30% interest each and every month, even though I am up to date with all my payments. I will have to continue paying $118 a month interest. I wrote to the "CEO" whoever it is, but I think this company is heartless. They don't care that they penalize you with 30% interest. They (the CEOs) will probably afford a nice vacation this year. This affects how I buy groceries and able to give to my daughter, like a graduation present. She doesn't get one. I wanted to buy her a camera, on sale for $150. She is a straight A student. Because I had to pay GE $118 in interest, she goes without a graduation present.

I signed up for a no interest payment plan. I always paid more than the initial payment and paid earlier than the due date. There was one month (July 2009) where I had a difficulty making the payment online and called Care Credit customer service for assistance. I was told the amount I would have to pay ($75.00) even though the bill had ($101.00). The conversation took place 6/12/09 for the 7/4/09 payment. Since I was having difficulty getting my payments straight with them, I paid the $75.00 hoping to get them in line with my method of payment.

I just hope this would be of some help. I have contacted your customer service and their superiors and was conveniently answered "There is nothing that we can do."

I signed up for a payment plan through my dentist office for an elective Invisalign treatment. The dentist office promoted the payment plan through GE Care Credit as pay $208 over 24 months interest-free. That was all the dentist office told me, so I signed up through Care Credit. The statements I received showed a minimum amount due of $140. This is $68 below what I should have been paying in order to avoid interest. Nowhere on the statement does it show a payment amount of $208.

I opened a CareCredit account as a last resort to pay for dental work I needed. I have also used it for my dogs. I was paying on the account and doing just fine until I lost my job in October of 09. It became very difficult to make ends meet! I tried to get CC to put me on the program they have that pays your balance when you become unemployed but they said I didn't qualify! My interest is 29.99%. Finance charge is $45.88. Minimum payment is $141. Past due amount is $70. I am over the limit on this by $508.01. They wouldn't even consider me for their "hardship" program. I have to pay off the over the limit amount first! I am only able to make the past due amount. They also hound me by calling even when I have payments scheduled in advance on their website! This company should be put out of business! They don't help. They hurt the economy!

I had LASIK surgery performed in July 2009 and was offered 24 months same as cash with a monthly minimum payment requirement of $85.00. The amount to cover the LASIK procedure was $3568.30. I am paid once a month on the 15th. I requested that Care Credit change my due date to accommodate my pay schedule. They initially did not accommodate my request and added on late payment charges for the months of September and October (payments were received by Care Credit on September 23rd and October 21st for $144.68).

I had a Care Credit/GEMB account that was opened several years ago and never used. My misfortune was forgetting about the account and not cancelling it myself. Today without warning, I was delivered a letter from GE Money Bank that the account had been closed and was being reported to Equifax as Closed by Credit Grantor. This will appear as a negative on my credit rating for an account that was never used in the first place. Times are hard enough as it is during these times and yes, I have been struggling to keep my head above water and do not need this type of added stress on my already troubled credit rating. Is there help anywhere that I can get with this matter?

I have CareCredit and just paid it off and made a pet appointment for my 10 animals for vaccinations and, in the mail, they had cancelled my credit. I got a letter that said a bunch of stuff that was not true. I had just paid my balance off and they shut down my credit for no reason. I can't get my animals vaccinated now.

I was sick with bronchitis and pneumonia. I also did not receive my updated bill. I have been harassed every day about not getting a payment. I explained that I did not get my updated bill at the end of October and I was bed ridden because of illness, but I still am being harassed. My credit is very good and I have contacted a lawyer to get a hold of them for me but I cannot find an address to reach them. They used to call with a number visible but since I tried talking with them, now they call with a 0 showing they will get paid. I told them but no one listens to me.

Well, I'm from Galveston, Texas and we just had a Hurricane here in September. I had tried to call The Care Credit Card People but could get no one. Now I've paid my bill very, very faithfully, and then I get a letter from them say they have lower my credit. I really didn't ask for this, but my Dentist help me out until I got funds to pay my bill. My thing is I just wish I could talk to a human being instead of voice mail.

I was at work and my minor daughter called and said her puppy had gotten sick and that she was at the vets. She said she needed my information to treat the dog and that I didn't have to pay. I thought it unusual but I gave her my information and now I am receiving bills for 4000.00 dollars. Can they do that? I did not speak to anyone and did not sign anything saying I would pay for treatment.

When I applied for credit, I was called by one of GE credit representatives and asked what my ex's birthday was. I questioned this, as I am not married to him and was very upset about this, as I have gone through a horrible divorce from him 8 years ago and he was very abusive, physically and has already attempted identity theft against me with his current wife.

Third month, they finally credited my three payments. But no refund of those charges. They also reported to creditors I was 60 days past due. And as you see, I was not. Worst credit card I ever had. I still owe and want to pay it off. I still owe about $140. And they charge me 23.99% interest annually. They are crooks. As a result I won't even buy a GE light bulb. My credit score has dropped like a rock from 812 to now 610. I have had a good $140 in late fees and interest when they failed to credit my payments.