Four years ago I took out a credit card for my mom because our dog needed surgery in order to live. So I went ahead and took out the credit card that the vet had suggested. Come to find out because of my inquiry as to why I was still paying on it when it did no exceed $1500 I found out that I was locked in at 26.99 percent interest. There was no way that I would pay this off within 10 years had I not taken my money out of my savings and pay it off. I am not impressed with this company what so ever not only are they targeting people in a stressfull time but they are taking full advantage of people. I canacelled my card the second I new the payment went through and plan on never going back, however I beleive people need to know about this company and how they are sucking money out of you knowing full well that it will never get paid off within a decade.

DO NOT USE CARE CREDIT!!!
This company is a spam! They get you to open the card at 0% for 12 months and they tell u that everything after that is deferred interest!! Well if you're not familiar with that term, I'll have to say that it's basically the modern way of stealing money!!! After your 12 month is over if your balance is not paid in full, they will hit you with a huge ridiculous amount with might even be more than the balance that you owe because they have been charging you interest since day 1 and they have been adding all the interests even if you paid your monthly payment and have applied it to you now!!! I have been a victim and I have a high credit score so when I called them they told me that I will have to pay that amount because this explanation had been in the fine prints!!! So I paid everything at once to not hurt my credit ut my advice to you is : That if you have to use your 20% APR credit card to pay for your medical needs do it because at the end, you will be charged less with your credit card than with care credit!! Having this card was one of the WORST experiences in my life and I'm sharing this so you wouldn't be a victim!!!

I should have not received this, because, I did not have any dental work done.

I had all of my credit reports frozen. They want to charge me, for having nothing done. X-rays were free...I am not paying for any of this..!! I went to Gentle Dental, because I had a toothache, and I wanted them to pull the tooth. They did not pull my tooth. They took e-rays, and told me, what they wanted to do, with all of my teeth. I said, NO, I'm in my late 60's, and I have a bad medical condition. So, they think, I should be buried, with beautiful teeth. I left. They are nuts.!! They have, way too many girls in that office, standing around doing nothing. I never even talked to a professional dentist. Don't go to Gentle dentistry.

I have great credit. I opened up a carecredit account to get laser eye surgery since they had a promotional period of 0% for 2 yrs. Why not, I'll just pay with my health savings accounts. Well, care credit is the worst company EVER. i can't pay on my bill online with my debit card (its a credit card number not a normal checking account since it's an HSA). *** online functionality. Also useless customer service reps can't do anything to help me. I call every month to make a payment and have to speak to some to get the reversal since it's a phone payment. Not even a function to email my concerns but have to stay on the phone to talk to no action employees. I will NEVER use CARE CREDIT OR GE MONEY ever since this is the worst experience in my life.

Does anybody remember the line from "The Rainmaker"? Well, GE Money has got the insurance / customer services runaround scam down.
I wired my final payment to them (over $9, 000) for my CareCredit account within the 4-day grace period to avoid exorbitant interest charges. They acknowledged receipt of that payment to my bank. They then proceeded to spend the next four months harassing me with phone calls, 4 - 5 times / day, and letters to my home a couple of times per week. They attempted to tack on late fees on top of the phantom interest charges. I am sure they were hoping that I would get tired of their harassment and just pay the money. No go Joe.
I called customer service four times and even had them send a letter in early January to confirm that I owed them no money. They did not want to do this and even aid they could not. I insisted that they do so, asking for a handwritten letter signed by the representative if she could not generate one through the system. I stayed on the phone until I was 100% assured it was sent. I received that letter on 1/6 and have it in my hand. Funny, I received a letter that they claimed at first that they could not generate.
The final straw occurred today when I received a call from a vulture-like collection group within GE Money (outsourced to India, BTW), where Is poke to an inept customer service representative and then her supervisor, named Calvin. He proceeded to call me a liar and, even though I read the letter to him, insisted that I send the letter to him via fax or mail even though it came from HIS company. I demanded an apology, which he did not give to me.
So, back I went to customer service and then again to the same vulturous collections group and finally got a rather terse, but helpful U.S. representative who claims to have cleared out the account. We shall see.
After more than 10 hours of work to get this cleared out, if it happens again or if there is a blemish on my credit score, they will be sued. Does anybody know if there is a class-action suit pending that I can join?
I have let all my health care providers know about their scam and at least a couple have stopped offering the service to their customers. Be warned...DO NOT use this service unless you have lots of time to spend correcting their mistakes or good legal representation on retainer.