This company will never be able to explain how a payment is received on time, or early in my situation, and they charge a late fee since the statement for the current month has not generated yet. They applied the payment to the balance yet because the payment was received early and not when the due date was set a late charge was placed on the account.

They ask you to pay “on or before the due date”, but not too early. Guess they just want to screw people out of money and ruin their credit. They are in the business of crime, not lending.

My interest rate was hiked from 13% to 30% after the new credit card rules went into affect in February 2010. I spoke with supervisors who told me they were requested a "reinstatement" of the agreed upon interest rate. They strung me along for a few more months, each supervisor promising the "request" had been "approved" and that there would be a refund of finance charges and the correct interest rate of 13%. I was told, "wait for your next statement, pay your bill".

I'm angry because I have acted in good faith, and even continued paying each month while trying to resolve the problem. And the worst part, I wrote to customer service, sent it USPS Priority Mail and they didn't even respond to that!

Looking for help above and beyond customer service. There's got to be somebody who can fix this, but I just can't find that person.

My father was sold GE Care Credit at a dentist office. He did not understand it was a credit card. Three days later when he told me, we cancelled it, via phone.
Care Credit PRE CHARGED $1200 worth of treatment!
Three days after his office visit, we paid for the treatment he received, and returned to his regular dentist.
GE continues to harass my parents. I have written letters and done everything an honest consumer can do. I finally signed them up for Caller ID so they don't have to talk to them.
I have never had so much trouble trying to settle anything.

There needs to be some way to control the excessive finance changes made by companies that arrange for financing is situations where other alternatives are not available and in emergencies. They tell me that they are offering a DEAL (14% interest) instead of their regular 24% to 29% APR! This is SOOO outrageous it should be illegal.

We got the Care Credit card by GE to pay for some hefty unexpected vet fees for our very young dog. We put two separate charges on the card that were within two days of opening the account and in order to pay the card off quickly, I made an online payment for over the minimum amount due only four days after the account was opened. Online account says that no other payment was required until the next month, but then I get an email and calls harassing us about our late payment! Turns out you're not ALLOWED to make payments until the statement goes out and you literally have it in your hands. Otherwise, you are paying on principal only, even if your account has no principal (due to the 0% promo deals). This leaves about a two week period that you can make your payment for it to be a valid payment, which excludes anything other than online payments because mailing in your payment could possibly make it late. After some hassle we got them to refund the $39.99 late fee charge. Also, you can't add any other members (even spouses) to be authorized users (not even to have a card, just to call in) unless you call and ask them to send you a form within 4-6 weeks and then once you send it back it will take another 4-6 weeks to process. I can't say this card is horrible because it helped out in a time of need but they have very unreasonable standards and protocol.