I noticed there are a few positive reviews and a lot of negative reviews and I want everybody to understand that when it comes to applying for a credit card they want to see responsible spending if you spend over 30% of your income you need to make more of an effort to make more of a payment instead of minimum payment you make a double payment they want to see that you can regularly make payments and pay down extra from what you spent. I would not suggest paying the credit card completely off because that does not show your responsibility and I definitely would not suggest canceling the credit card because that will lower your credit score even more make your regular payments make extra payments and show them over a period of 6 to 12 months that you can be responsible and they will approve you for a line of credit increase they will not close your account I think people just need to educate themselves a little bit more on how credit cards work so please do not just take the negative advice on its word and do your research because having this credit card has increased my credit score by almost 75 points in just the past 6 months.
Overall card rating
Most helpful positive review
Most helpful negative review
These rude people will close your account with zero notification damaging your credit. Account was open for 11 months as an emergency card ..never used ..they took it upon themselves to close it for inactivity while I am standing here at vet to use it .. horrible card !!!!
All member reviews (383)
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.
These ratings and reviews are provided by our users. Banks, issuers and credit card companies do not endorse or guarantee this content, are not responsible for it, and may not even be aware of it.
†† The opinions you read here come from our editorial team. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.