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Rated a Very Helpful Review by the Epinions community
Jul 13, 2012
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
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Rated a Somewhat Helpful Review by the Epinions community
May 8, 2012
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
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Rated a Somewhat Helpful Review by the Epinions community
Feb 29, 2012
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
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Rated a Helpful Review by the Epinions community
Aug 21, 2007
Pros: Easy to apply with an instant answer.
Cons: Online bill pay is a bit restricted.
Summary: I applied for Care Credit when I had to have my wisdom teeth extracted (kind of an emergency) and did not have dental insurance. The place I was having the surgery done, of course, wanted fees paid before the surgery. I got Care Credit to help spread ... read more
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Rated a Very Helpful Review by the Epinions community
Feb 23, 2013
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
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Rated a Somewhat Helpful Review by the Epinions community
Mar 4, 2010
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
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Rated a Very Helpful Review by the Epinions community
Sep 22, 2002
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 haven’t 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
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Rated a Very Helpful Review by the Epinions community
Nov 26, 2012
Pros: NOTHING! ZERO! NOT ONE POSITIVE THING TO SAY!
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
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Rated a Somewhat Helpful Review by the Epinions community
Aug 14, 2012
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
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Rated a Somewhat Helpful Review by the Epinions community
Jun 22, 2012
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 (https://www.gogecapital.com/e
n/consumer-credit-financing/in
dex.html)
for the $4390 I should pay for my ... read more
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Rated a Somewhat Helpful Review by the Epinions community
Feb 24, 2012
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
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Not Yet Rated by the Epinions community
Oct 30, 2011
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
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Rated a Somewhat Helpful Review by the Epinions community
Sep 1, 2011
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
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Rated a Helpful Review by the Epinions community
Jun 7, 2011
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. CareCredit.com are vultures – and ... read more
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Rated a Somewhat Helpful Review by the Epinions community
May 4, 2011
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
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Rated a Somewhat Helpful Review by the Epinions community
Apr 26, 2011
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
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Rated a Helpful Review by the Epinions community
Jul 23, 2010
Pros: NONE
Cons: HORRBILE BILLING PRACTICE. THEY ACTIVELY WORK TO SCREW YOU!
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
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Rated a Helpful Review by the Epinions community
Jun 30, 2010
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
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Rated a Helpful Review by the Epinions community
Jan 27, 2010
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
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Rated a Somewhat Helpful Review by the Epinions community
Jan 14, 2010
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
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