I signed up for a no interest for 12 months and during these 12 months I was sending money orders to carecredit. There was a promotional balance and the date was 2-18-09 and due that I was trying to avoid finance charges, I paid in full the promotional balance and sent it in January and it was received January the 24, 2009. What happened next is the most ironic thing I have been a part of. I received 2 days ago an invoice for the Month of February, and Yesterday for the Month of March, that payment had to be received by March 14 and my balance was over $ 700 dollars which included all the finance charges. There was a hidden charge of about 100 dollars but they waited 2 months to send me the invoice so that I could not see that they were charging me extra and keep me from making a payment and allow them to charged me the finance charges.

WOW ... this company truly redefines the old "carpetbagger" definition. Unbelievable. In this economy, in this day and time when so many people are struggling just to keep their jobs and their homes Care Credit finds it appropriate in their business practice to charge a 19% recurring interest. So they send you a monthly bill for $22.00 on a balance of $650 but little to so many unsuspecting consumers realize that out of that $22.00 being paid, 75% of it is going towards their finance charges. In the end, a balance financed of $500.00 ends up costing twice as much.

I tried calling this company to resolve this issue ... shortly after I lost my job. I spoke with Kelvin who purported himself to be a supervisor. He offered a 3 month payoff with interest still accruing but said that the account was closed. I had a balance at the time of just of $500.00. This was 3 months ago. I got a bill today of $810.00 ... which was fed by the insane interest charges that they apply each month.

I am still waiting for this illustrious 3 month payment plan that the supervisor, Kelvin, offered but ironically (and typically) when I call no one knows what I am talking about.

I submitted a complaint with the BBB today ... we will see what happens. But I warn anyone out there who is looking for an alternative to pay for the rising costs of "out-of-network" or "out of parameter" medical procedures to beware of Care Credit. Don't get caught with their application and pen in your hand for you will be signing away your savings.

We had an account opened in 2006 to pay for dental work. We paid the complete $1500 balance off in full ahead of schedule in 2007. This account was in perfect standing, no lates, zero balance and they hounded us to use the $1500 of available credit every month. So we didn't use it for a while but then our dog required emergency surgery and we spoke to carecredit on the phone and they referred us to a vet that accepted them for payment. My regular vet did not take carecredit. So they tell me on the phone on 10/28/08 that yes we had $1500 credit and get the procedure done at their approved vet, interest free for 90 days. I get to the vet and explain that all work is contingent on CareCredit and please verify it first. Well the receptionist just nods and assures me its all fine no problem. Then I come to get my dog after they do $1000 surgery and my card is declined! CareCredit then says they had closed my account back on 9/30/08 due to inactivity. They didn't tell me this the day before and the website didn't say anything but the opposite. In fact I had a print out of my account from that day 10/31/08 which said $1500 avail credit to use. Well they were idiots and so was the vet and suddenly since I could not pay them, my dog was held as ransom for payment. It took me 3 days of screaming before they finally gave me my dog back. CareCredit is still an issue to be resolved. I would never trust them or there website or there phone reps and supervisors. Worthless bunch of idiots. As for the vet, he lost all my respect when he could not see it was not my error. He was unreasonable and very uncaring. The care was substandard once they found out care credit declined it. They treated me like a criminal suddenly. I wrote them a check finally and got my dog back. They wouldn't discuss details of surgery with me, no aftercare instructions, no pain meds, not even the biopsy results that cost me $136. They charged me full bore on there kenneling and even for taking dog to potty. I felt that the receptionist should have confirmed the coverage as i asked her to do in the first place. They accept no responsibilty and carecredit is now claiming we can reapply for a new account. Not approved. Another glitch they can't explain. So after I got my dog back I put a stop payment on check. I hope the vet takes me to court. I don't want to rip anyone off but I felt they could work with me to settle the problem with carecredit. They are all unethical ruthless greedy and have no clue.

each month I do not get the paper invoice/statement
I do need the said statemnt atleast one week before the due date
Thank you and have a nice day
C.C.UDANI

I made triple payments to this company for five months. The sixth month I get a bill with a late charge on it. Two days later I start receiving phone calls from a collection guy talking about making arrangements... What the hell?? The fella says he wants to arrange direct payments... yeah right. I told them I will pay off the entire balance (11 months in advance) if they correct their mistake. The man said OK just this one time... I hung up the phone thinking alright, I have one more chance for them to screw up, and I am done?? Forget that, don't deal with this company if you can help it. Who would think there is late charges on payments you do not owe??