CareCredit Healthcare Finance Plans

CareCredit Healthcare Finance Plans

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    Highest Rated Consumer Review by the Community

  • Footing Orthodontia Bills One Step at a Time With Care Credit

    Sep 22, 2002 by frazzledspice is a Top Reviewer on Epinions in Personal Finance
    Rated a Very Helpful Review
    Pros: Offers twelve-month interest-free plan for orthodontia, lasik, and other procedures.
    Cons: Retroactive 21.96% interest can be triggered very easily--buyer beware!

    Summary: Brace yourself. Orthodontia bills can be very expensive, and dental insurance plan maximums havenít increased with the cost of inflation. Two of our children wore braces. They are almost eleven years apart in age. Dental insurance covered ... read more

  • My Relatively Positive, Ongoing Dealings with CareCredit

    Feb 23, 2013 by
    Rated a Very Helpful Review
    Pros: They'll approve even those with lackluster credit.
    It's an option where few exist.
    Cons: The consequenses for missing a payment are swift, draconian, and costly.

    Summary: In August of 2012, I was facing a dental bill of around $8,000; two root canals/crowns and some minor surgery were needed, among other things. At the time, I didn't have insurance, so my dentist recommended using CareCredit as a way to pay the bill over ... read more

  • Do NOT use this company, it IS a scam!!! Care Credit does NOT care!

    Nov 26, 2012 by
    Rated a Very Helpful Review
    Cons: They ARE a SCAM and they WILL take advantage of you.

    Summary: I honestly don't need to go into detail as the many reviews that are already posted are a testament to what Care Credit is all about, and that is to SCAM you and take your money.  But it's not in my nature to not let every single person know they ... read more

  • Care Credit Health Finance

    Aug 14, 2012 by
    Rated a Helpful Review
    Pros: There are no Pros to this company as far as i see it
    Cons: Horrible application system. difficult to talk to a person

    Summary: tried their application online process several times before it actually worked and then was denied and was told to reapply with a co-applicant, which i did. This took several more attempts before it worked properly and was then denied again. i was told a ... read more

  • Care Credit Zero Percent Interest Loans Credit Card for Health Care and Vet Expenses

    Jul 13, 2012 by
    Rated a Very Helpful Review
    Pros: Promotional offers with zero percent financing.
    Cons: Not all dentists, veterinarians, health care providers accept Care Credit.

    Summary: When used responsibly, credit cards and lines of credit are an excellent choice for paying healthcare expenses.  They’re especially helpful when zero percent interest financing terms are offered.  I’ve used Care Credit on two ... read more

  • I was charged $2000 for a $2000 balance

    Jun 22, 2012 by
    Rated a Helpful Review
    Pros: Nothing!
    Cons: misleading information, purposefully set people up, back tracking interest for balance

    Summary: In April, 2012, I did a Laser Eye Surgery at TLC, Madison, WI. TLC recommended me to use the 24-month no interest financial plan with CareCredit ( n/consumer-credit-financing/in dex.html) for the $4390 I should pay for my ... read more

  • CareCredit Is Alriight By Me

    May 8, 2012 by
    Rated a Helpful Review
    Pros: Was there when I need them to pay for my healthcare
    Cons: Interest rate. But I'm not paying that anyway. So I don't care.

    Summary: I am reading all these reviews and I think most of them are just ridiculous. Like most of the reviewers, I was referred to them by my health professional to them. If it wasn't for them, I would not have been able to afford the dental work I ... read more

  • CareCredit is OK with me!

    Feb 29, 2012 by
    Rated a Helpful Review
    Pros: delayed interest rates, 6, 12, 18 or 24 months
    Cons: High interest if unable to pay balance

    Summary: CareCredit is a credit card that will assist the consumer with paying for medical problems/procedures. CareCredit makes it VERY clear that if you do not pay your balance during the promotional period you will get charged 26.9% in interest on your ... read more

  • CareCredit Preys on Those That Can Least Afford It

    Feb 24, 2012 by
    Rated a Helpful Review
    Pros: You can get medical care if you need it but can't afford it
    Cons: You will NEVER pay it off

    Summary: I DO NOT recommend CareCredit.  You are probably better off pawning your car or something to pay for the doctor -  Pawnshops charge less interest than they do.  CareCredit is the biggest ripoff.  Their customer base consists of low to ... read more

  • Absolutely awful!

    Oct 30, 2011 by
    Not yet rated.
    Pros: Absolutely none.
    Cons: Horrible customer service.  Healthcare providers actually recommend them.  Shocking.

    Summary: The customer service for this company is so absolutely abhorrent it's a joke.  They are the rudest people I have ever spoken to, and they clearly either don't get any sleep at night due to their guilt, or they simply don't care about anyone but ... read more

  • Don't waste your time with Care Credit - it's a headached you don't need!

    Sep 1, 2011 by
    Rated a Helpful Review
    Pros: I have NOTHING POSITIVE to say about Care Credit or GE Money.
    Cons: Absolutely EVERYTHING.  They add charges for anything they can EVEN AFTER THE ACCOUNT IS CLOSED!

    Summary: I had to apply for this credit card because I couldn't pay an emergency vet bill last year.  These people are unbelievable!  I have NOT talked to a NICE person in the 14 months I had this credit card.  If you miss a payment they call ... read more


    Jun 7, 2011 by
    Rated a Very Helpful Review
    Pros: They will approve a monkey as long as he knows how to press buttons.
    Cons: High interest, rude customer service, scammers, they lie

    Summary: Medical emergencies bring out the best in some, the worst in others. Well, needless to say...CareCredit brings out the absolute worst!!! Simply and to the point, they take advantage of patients in a bad situation. are vultures – and ... read more


    May 4, 2011 by
    Rated a Helpful Review
    Pros: I tried to write a review on their website and they didn't publish it!!!
    Cons: Please don't let this experience happen to you!!

    Summary: 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 ... read more

  • Don't ever use this company they are so deceiving

    Apr 26, 2011 by
    Rated a Helpful Review
    Pros: no interest for 2 years "LIARS"
    Cons: Deciving, rude money stealing company.

    Summary: I had Lasik Surgery 2 years ago and financed through Care Credit with no interest for 2 years. So i paid all my payments on time sometimes more than the minimum. So i knew my 2 years just past on April 5th so i thought they would start charging me ... read more


    Jul 23, 2010 by
    Rated a Very Helpful Review
    Pros: NONE

    Summary: This company will look to find every way to get you. Anyone with a social security number can practically get an account with them. The no interest promotional period is attactive, it got me. Here's the problem, they reserve the right at any time to pull ... read more

  • Pure Evil Company

    Jun 30, 2010 by
    Rated a Very Helpful Review
    Pros: If you can pay it off within the promotional period, good
    Cons: If you can't pay it off watch the interest rates rise SKY HIGH!!

    Summary: As soon as I am able to rid myself of the credit card, I will be dancing for joy.  It came in handy when I had some expensive dental work to be done -- $2,000 in emergency root canal, and dental work put on the card.  I figured that ... read more

  • Managing Credit

    Mar 4, 2010 by
    Rated a Helpful Review
    Pros: Easy Credit.  Free Loan if you pay-off during allotted time.  Good to have handy.
    Cons: High interest rate and penalty fees.  Possible Deferred interest.  Long wait when calling customer service.

    Summary: Well, I've had it for about a year. I don't worry about the high interest rate, because I pay my balance off, monthly. Ithas to do with the way I was raised.  I was taught to never borrow money needlessly; however, if you must ... read more

  • I will die before I use these fools again.

    Jan 27, 2010 by
    Rated a Very Helpful Review
    Pros: Zero. Zilch. Nodda. None. 0. Avoid at all cost.
    Cons: Amazingly bad Customer Service. High interest. Harrassing phone calls, 5-7 a day.

    Summary: I had a really bad tooth. I was given 2 options by my dentist. Pull it, or root canal and a rebuild of the tooth. I originally decided to have it pulled, as my wife and I could afford that. After setting up the appointment, we discussed maybe doing a ... read more

  • CareCredit/Ge Money Bank

    Jan 14, 2010 by
    Rated a Helpful Review
    Pros: Care Credit (GE Money) does allow installment for expensive dental work. 
    Cons: CareCredit (GE Money) will use ANY excuse to maximize their collection of "finance charges". 

    Summary: Started using CareCredit in early 2008.  Had the balance to less than $300 when more orthodonic work was need needed in August 2009.  The most recent dental work was under the 12 month no interest charged program, which should expire July ... read more

  • GE Money - money pit

    Jan 6, 2010 by
    Rated a Helpful Review
    Pros: None
    Cons: High interest
    High late fees

    Summary: I opened a care credit (GE Money) account when I had surgery done on my eyes.  Offer was 0% interest for first 12 months. From the onset I paid well above the minimum. I scheduled my payments via my on-line banking account.For the ... read more

  • Nightmare from Beging to the Bitter End

    Dec 29, 2009 by
    Rated a Very Helpful Review
    Pros: I did not find anything positive in my experiences with Care Credit.
    Cons: They will screw you any way they can. DO NOT DO BUSINESS WITH CARE CREDIT.

    Summary: In October 2009, I had a terrible stomach ache for about three days before I decided to go to the doctor. I couldn't even stand up straight. The doctor recommended an ultra sound (actually it was 3 ultra sounds at $650 out of pocket). The ultra sound ... read more

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