I needed a root canal and was in a bind. (Why doesn’t dental ins cover this) and needed to get the procedure done as soon as possible. Care credit came in and seemingly saved the day. Little did I know that they charge insane interest AND every month when you make a payment they adjust the total amount on the card. So basically they report to my credit that I am always at 100% usage. I will NEVER use this again. I can’t believe this is legal. Credit card companies need a reform. This is unjust to the average person trying to live a decent life and survive. If and when they might come up in a conversation I make sure to explain how horrible this company is. Please do yourself a favor and NEVER get mixed up with this company. The interest makes it impossible to pay down.

My sister owns this card and I take care of her finances. They charged her $893.05 in interest for ONE month!!! How is this Legal? I closed this account. She’s paying $200 a month a getting no where!!

Glad they denied our application - After reading these poor reviews and trying to wade through their convoluted application process... we now feel relieved their process is so screwed up (denying people with near-perfect credit scores) that we won't be dealing with them. Wish there were other options...

this card will RIP YOU OFF and RUIN your credit big time, They enrolled me iinto buying ins without my consent and purposely default my 0% insterest offer so they can charge 10k in interest over 15k principal

I'd give them zero stars if I could. I've had this card for over decade. Never late, never defaulted and tens of thousands of dollars have been run through it. Despite that and without any notification, my credit line was decreased by 94% and I didn't find out until I attempted to use it. Shoddy credit practices, customer service is useless and operates on a script. Avoid these people at all costs, I suspect they aren't as financially stable as they like to appear.

My husband was approved for a $12000 limit for some dental work that I was getting. Never late on payments and they reduced his credit to 8000 dollars, showing that his care credit was basically maxed out. So we asked why they reduced it And their answer was if we're not using it after several months they're gonna reduce it. So then we had an avail credit of 2500 on the 8000 credit limit. They decided again to reduce it down to 6000 messing up his credit score again, so his debt to income ratios have been severely affected as well as his perfect credit score by shady agency, I'm writing letters in the hopes that they're investigated for what they're doing. Because this is considered predatory lending in the finance world. I will continue to give bad reviews. I will continue to write letters. Because I want them out of business for being scammers

I signed up for a CareCredit card for paying off a dentist bill. After making monthly payments in a 6 month "free" promotion period...they didn't properly notify me that my account would incur a whopping 27% interest rate moving forward. (Their "end of free promotion" notification was a brief line in TINY FONT...at the BOTTOM of their monthly statement.) My payments were on "auto pay"...so some time passed before I realized the promotion had ended. I wound up paying $3,000. in interest--on a $5,000. dental bill. CareCredit uses deceptive business practices to lock you into an insanely high interest rate. Be vigilant about their "free promotions"-- or better yet -- STAY AWAY.

Close to paying off account then promotional balance kicked in. I’m seeing that I should except them to attempt to close the account down after it’s paid off. Seems petty.

Do not get a credit card from care credit and mattress care credit. It’s the worst company ever. They will close your account even if it’s not 30 days past due. Also, they will close your account without notice. The will close your account by looking at your credit report as well.

Closed my account with no notice . Worthless card . Wish could give a minus rating.