CareCredit Healthcare Finance Plans

CareCredit Healthcare Finance Plans

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  • 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

  • CareCredit doesn't care!

    Dec 24, 2009 by
    Rated a Helpful Review
    Pros: Medical companies love carecredit because there is no hassel left for them to collect.
    Cons: 23.99% interest on total amount purchased after you lose interest free promo
    no grace period

    Summary: If your are thinking about signing up for this card for the deferred interest payment, think again!  I've been paying my card every month interest free or so I thought.  Apparently you have to pay before 5:00pm EST on or before your due date or ... read more

  • Don't walk, RUN from this company!!!

    Oct 22, 2009 by
    Rated a Helpful Review
    Pros: Absolutely nothing.
    Cons: Absolutely everything.  

    Summary: The name of this company should be: "WeDon'tCare." Like most people, I had an emergency veterinary situation that couldn't wait.  I'd heard about this company from my dentist, whom I trusted, so when I found it online, I assumed it was a good ... read more


    Sep 30, 2009 by
    Rated a Very Helpful Review
    Pros: The money is provided if you qualify
    Cons: You will never repay this dollar for dollar, they WILL charge you more.

    Summary: I too have learned first-hand of the despicable practices of Care Credit.  I opened my account in late 2008 in order to have corrective surgery, and the amount of my transaction was $3,962.88.  Like so many others who have posted, I ALWAYS pay ... read more

  • Care Credit = Lousy service and lousy business practices

    Apr 1, 2009 by
    Rated a Helpful Review
    Pros: None whatsoever.  You're better off borrowing money from relatives or friends instead.
    Cons: Usurious 21+% interest rate, lousy customer service.

    Summary: I had applied for a Care Credit dental card over a year ago when I needed some dental work done. I was approved with a $3,500 limit. I never used the card opting to dip into our savings instead.  Last week I called the number on the back of ... read more

  • 3/31/09 Unfair activity on account/lousy customer service "specialist" NO customer loyality

    Mar 31, 2009 by
    Rated a Helpful Review
    Pros: It liked  that I could charge and then flex my charges at a later date.
    Cons: Please read review

    Summary: First, I will apologize for the length, but I really have never experienced anything like this before. My balance on my account is $0... I have been an exceptional customer for over 2 years and have ALWAYS paid my accounts early or completely. Oh...that ... read more

  • The Care Credit Card

    Feb 26, 2009 by
    Rated a Helpful Review
    Pros: Its a easy way to pay for surgery or any medical needs
    Cons: They dont stand behind there word that is documented on the back of there statement.

    Summary: I recently started using this product "care credit". At first I thought it was a great idea. But really its not. I'm 22 and part time job and trying to get through nursing school an its hard to pay all the bills. But when i looked into this company, I ... read more

  • horrendous company... should be investigated

    Feb 17, 2009 by
    Rated a Helpful Review
    Pros: none
    Cons: many see review

    Summary: when I opened an account for dermatological services, I wasn't sure that I would in fact go through with the service, th dr's office charged me for service before they were rendered, mistakenly, OR that's the deal they work out w/care credit "just charge ... read more

  • Horrific Ethics, Disgraceful Policies, ZERO Customer Service!

    Jan 15, 2009 by
    Rated a Helpful Review
    Pros: zero % (promotional) interest deferred; beware of ANY remaining balance w/price gouging!!
    Cons: No warning of RETROACTIVE finance fees upon promo expiration; autobots; no human accountability/name/title/cust svc.

    Summary: I'm currently on hold in my FOURTH phone hour (247:36 minutes) so far) of the GE Money Care Credit customer service line being 'escalated' to a legal representative to discuss their gouging me with ZERO notice or authorization. Behold my surprise ... read more

  • scammers!!!

    Oct 17, 2008 by
    Rated a Helpful Review
    Pros: ZERO.
    Cons: faulty website, RUDE customer service, long wait times on hold

    Summary: I am having horrible issues with Care Credit. i set up an account with them in July '08 to make payments that i could afford for 12 months after my lasik eye surgery. every time i tried to start making payments on their website, they kept removing ... read more

  • An Honest Review About Care Credit

    Jul 22, 2008 by
    Rated a Very Helpful Review
    Pros: Promotions (ie. No interest first year)
    Cons: Potential scam to get even more money from you

    Summary: I have had care credit for a little over 2 months and I haven't experienced any problems - yet. When I signed up, the lady who talked to me about it said that I didn't have to pay the whole procedure off and that I could pay in installments using ... read more

  • Scam-o-rama!

    Jul 3, 2008 by
    Rated a Very Helpful Review
    Pros: There simply are none.
    Cons: Total scam. Read full review.

    Summary: a.k.a. GEMB, GE Moneybank, GE Money, CareCredit, Kwik Comfort, JC Penney Credit. The first thing to do is go to Do a search on CareCredit, GEMB of GE Moneybank. You will notice they have a running scam. 1) Their offer is ... read more

  • Deceptive business practices

    Mar 4, 2008 by
    Rated a Helpful Review
    Pros: Apparently good promotional terms, but buyer beware. Pay it off BEFORE deadline; keep records!
    Cons: Poor communication of promotion end dates; can't contact company; deceptive practices; horrific customer [dis]service.

    Summary: Here is the letter I sent to the company, then to the BBB when I had no resolution. Read further to see what happened after that. In August, I moved to online-only statements. In that case, all of the required information to view and pay one's bill is ... read more

  • This is the worst credit company I've ever used

    Nov 16, 2007 by
    Rated a Very Helpful Review
    Pros: will allow you to pay off charges; lures you with no or little interest
    Cons: They will not work with you on payment due date or other problems.

    Summary: I used this card for some dental work. It is unfortunate that dentists force people to use companies like this GE Money bank offshoot because they refuse to take payments. Bad teeth can kill you and here folks are, forced into putting up with sharks, ... read more

  • Beware- CareCredit Doesn't Care!

    Sep 24, 2007 by
    Rated a Helpful Review
    Pros: They have a very active promotional campaign.
    Cons: Bills sent sporadically, High fees, No service representative available to speak with.

    Summary: I have had nothing but bad experience from this company. I am so sorry that I was offered this at my Dentist's office at a time that I was especially vulnerable. I am going to let my dentist read a copy of this review and tell her to stop offering these ... read more

  • Concider Care Credit for a little help

    Aug 21, 2007 by
    Rated a Very Helpful Review
    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

  • possibly the worst most evil credit card ever

    Oct 7, 2004 by
    Rated a Helpful Review
    Pros: I can't think of one for the consumer, but someone's gettin' rich off the scam
    Cons: Their practices come close to fraud, if not theft

    Summary: I purchased a care credit card, like most, to deal with medical bills. In my case, I needed treatment of TMJ resulting from a head injury. The dentist who I went to (who I also have negative feelings about) insisted on being paid upfront. My insurance ... read more

  • Kicking You While You're Down? That's!

    Mar 15, 2004 by
    Rated a Very Helpful Review
    Pros: Just about anyone can get a account
    Cons: They're brutally inefficient (and they shipped customer service offshore)

    Summary: Medical emergencies bring out the best in some, the worst in others. The good guys are the ones who go the extra mile to make certain that the patient is properly treated. The bad ones are the vultures that start pecking at the patient’s eyes to ... read more

  • 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

  • Express Customer Reviews


    Nov 6, 2012 by
    Rated Show
    Pros: NONE
    Cons: To many to list

    Summary: We had used the care credit card to pay for some root canals for my wife and everything seemed fine. We made payments on time and usually more than min. due. Made a payment for $1000.00 and did not get another bill although we owed $3,000.00. 8 months ... read more

  • Little bit of advice about Care Credit

    Oct 8, 2012 by
    Rated Show
    Pros: Not many positives I can think of for this company.
    Cons: Ridiculous interest rates. Unclear, unprofessional representatives. I'm not even sure what I qualified.

    Summary: Needed to get a medical loan for 2 operations & it was recommended I give Care Credit a try. What a mistake! What I needed going in was to feel better about my situation, instead I got the exact opposite. I'm more confused now more than ever. Luckily ... read more

  • Not a good option

    Sep 27, 2012 by
    Rated Show
    Pros: Interest free period.
    Cons: Plenty.  Especially the rate of interest.

    Summary: When I paid off the account, CARE CREDIT entered it late and charged me the $25.00 late fee.  I KNOW I mailed it in plenty of time for it to get there before the due date.  It was entered 1 day after the due.  They refuse to do acknowledge ... read more


    Aug 24, 2012 by
    Not rated yet
    Pros: No pro's. 
    Cons: Very high interest rate, new hidden fees.

    Summary: Just used my Care Credit card for the first time,  I then get my first bill and all of a sudden the rules change.  Now they tell me that if my minimum payment falls below $25.00, they will add a fee.  In other words, if my payment is ... read more

  • Peace of Mind for Unexpected Vet Bills

    May 24, 2012 by
    Rated Show
    Pros: There when needed for emergencies.   Easy to navigate website.  Generous promotional periods. 
    Cons: I have not experienced any yet.

    Summary: I don't understand some of the negative reviews.  If you follow the rules of the card you shouldn't have a problem.  I also have had no problem speaking to a rep when I had a question about my account.   They give you between 6-18 months ... read more

  • Be Careful!!

    May 11, 2012 by
    Rated Show
    Pros: dont get fooled by them being a big credit card. they have no customer service.
    Cons: All these stories ive read about are just ridiculous.

    Summary: i found Care Credit online and was approved for financing with a 20% interest rate and they were trying to charge my dr a 9% fee also. NO WAY!! My Dr was not going for it. He said there are alot of hidden fees and interest rates adjust to some crazy ... read more

  • CareCredit is OKAY

    May 2, 2012 by
    Rated Show
    Pros: Payment Options
    Unexpected Emergencies
    Cons: Online System
    Customer Service - Neutal (Hard to Reach, Very Helpful)

    Summary: We accept CareCredit at the dental office I work at. My veterinary office accepts CareCredit too and since we recommend it to our patients all the time I figured it would be a great option for me as a college student. The first couple months were ... read more

  • Interest Free Payment Plan

    May 1, 2012 by
    Rated Show
    Pros: 30 month interest free promo period for high dollar purchase
    Cons: None

    Summary: I've had no trouble with Care Credit. They made it clear from the beginning that there would be no interest charged if payments were made time and the entire balance paid within the promotional period. I was also clear on the fact that if the balance was ... read more

  • Great option for SMART & RESPONIIBLE people.

    Apr 27, 2012 by
    Rated Show
    Pros: Interest free loan great for larger purchases.
    Cons: No cons if you are a responsible person and can read.

    Summary: Know what you are getting into.  Pay in full within the promotional period and there is no problem and NO interest.  If you are responsible and pay your bills on time this is an interest free loan.  If you are not responsible and can't ... read more

  • Absolutely shocked by kind assistance!

    Apr 23, 2012 by
    Not rated yet
    Pros: Waived late fee/kept promotion.
    Cons: The website doesn't work with Firefox yet.. but it did work with IE.

    Summary: Generally speaking, banks will take you for whatever they can. I was very pleasantly suprised tonight when I called in asking about a payment I had tried to make on 4/21 but could not access the website, and then finally getting access and being told it ... read more

  • Absolutely Horrendous Interest Rate

    Feb 15, 2012 by
    Rated Show
    Pros: There are not any Pros to using Care Credit
    Cons: The cons are many and are outlined above

    Summary: I urge anybody considering Care Credit to please reconsider and not accept. The current interest rate is above 24% and if you are a day late it rises to almost 30%. If this is not predatory lending than I am not sure what is. These are the lowest form of ... read more

  • Don't use Care Credit for medical expenses

    Nov 22, 2011 by
    Rated Show
    Pros: None
    Cons: Early and/or large pre-payments while reflected on your balance, doesn't reduce your monthly payments.

    Summary: As a senior citizen recent cosmetic surgeon patient who had the option of either putting surgical fees on several credit cards, or charging it on one Care Credit card, after explaining to the doctors office my intention of transferring a majority of the ... read more

  • carecredit scam

    May 14, 2011 by
    Rated Show
    Pros: I do not see any Pros for this company!
    Cons: destroys credit of applicants!
    bad costumer service!
    misleading information!

    Summary: I recently checked into a carecredit card and found that not everyone is accepted... I have had several health issues and am listed with a terminal illness. I was checking on Carecredit because my medicare/medicaid does not cover my pets...  My ... read more

  • Watch out for late fees and system failures

    Apr 22, 2011 by
    Rated Show
    Pros: Convenient financing
    Cons: Inflexible on fee policy when fee is not customer's fault

    Summary: For convenience, we signed up for CareCredit to finance chiropractic service. Due to forgetfulness, we missed our first payment. Our problem. CareCredit's policy is one waived late fee ($25 in this case) per twelve months, and we exercised that option. ... read more

  • Care Credit are crooks

    Mar 22, 2011 by
    Rated Show
    Pros: Lets you pay over time (so to speak) other than that NOTHING
    Cons: I can't name them all.

    Summary: I have a care credit card. I went online to make my payment of $35.00 and ended up gettin the total balance pulled out of my checking account instead!! I called the day after I saw the post on my checking account. And was told there was nothing they ... read more

  • Use It Correctly and CareCredit IS a Good Option

    Dec 1, 2010 by
    Rated Show
    Pros: Most people are accepted. Good Interest Free promotion periods
    Cons: Interest rates are high. Then again, it is an emergency use card.

    Summary: As with anything, YOU have to be responsible. There are fees if you don't pay off the principle on time. With that said, the option and convenience is well worth the time it takes to fill out an application. Basically you pay off your medical bill ... read more

  • Took money when account was paid, refused to put back into account

    Nov 12, 2010 by
    Not rated yet
    Pros: Allowed me to have dental work done.
    Cons: Inefficientandimpersonal. Tookmoney frommy account that they should not have. Willnot transferback ina timely manner.

    Summary: Care Credit took money from my account after my bill was paid in full ($5000.00). This caused my account to be overdrawn. I noticed the error and called them, they said that it would take 7 days to recieve a check in the mail. I was left with no money in ... read more

  • Care Credit

    Sep 20, 2010 by
    Rated Show
    Pros: Great plans, easy to use
    Cons: Intrest will kill you and your credit if you don't pay!

    Summary: Care Credit is good as long as you can pay off your procedure in the time allowed. If you miss a payment, do not pay it in full, or are late, you will be screwed. The intrest rates are extremely high, but you should know that before you sign up. Read ... read more


    May 24, 2010 by
    Rated Show
    Pros:  Make your payments as best you can, because GE Moneybank is NOT your friend!!
    Cons: if you are 24 hours late they will CALL you and hassle you immediately

    Summary: I thought this would be a good solution...boy was I wrong!! From the start, interest accrues, way more than the hospital was charging. THEN I was LATE one month, there is a $15 phone pay fee, and the interest skyrockets. They also have SHORT billing ... read more

  • Intro rate great after that WATCH OUT

    Apr 19, 2010 by
    Rated Show
    Pros: intro promotion is good, more appropriate for a one time procedure
    Cons: High interest rate after intro, even new and previous balance.  Be careful!

    Summary: The intro rate was wonderful and I was able to get Lasik eye surgery without saving for it.  However, after the intro rate runs purchases are charged an extremely high interest rate.Our balance is 0 but if we were to charge ... read more


    Mar 25, 2010 by
    Rated Show
    Pros: There are none - Dishonest lending practices
    Cons: BUYER BEWARE - Will use any excuse to apply finance charges.

    Summary: Buyer beware - GEMoney aka CareCredit Healthcare is the biggest ripoff I've ever encountered.  I used the company to finance lasik eye surgery 8/09.  I'm a big fan of making payment via internet so the first thing I did was schedule ... read more

  • bad account number

    Feb 23, 2010 by
    Rated Show
    Pros: What pros can you possibly find from a predatory lender!
    Cons: Bad service, no customer service worth the name. 

    Summary: I signed up for autopay well in advance of any payments due. In fact, pretty much all my bill are on autopay of some sort. Apparently, my payment did not go through as planned on account i made a mistake in filling it in. Result, $80 in late fee and ... read more

  • double talk,hangs up on people,no return responses

    Feb 11, 2010 by
    Rated Show
    Pros: I can not give you a good report
    Cons: I  willnot use this company again

    Summary: I am fed up with Care credit.  I have let my son handle this account, which has his name on it also. He sent in many pages for a complaint.  they said they never received it.  But by calling back and some one else answering, they had ... read more

  • Care Credit-scam to the fullest extent of the word!

    Feb 2, 2010 by
    Rated Show
    Pros: NONE
    Cons: To many to name!

    Summary: I have had my credit with them for about three years and would have paid off my balance in July 10'.  I scheduled payments online in Sept and Oct-but they stated the posted date came "after the due date".  I have made well over the minimum ... read more

  • Unacceptable data management

    Jan 13, 2010 by
    Rated Show
    Pros: Nada
    Cons: DTPA violations, fraud, poor systems approach to customer management

    Summary: Called to find out why no bill had been received from our Thanksgiving nightmare of both kitties eating Asiatic lilies. (Side note: these are toxic to cats, so don't accept them as gifts.) After waiting on hold, customer rep. Corinne out of the ... read more

  • Horrible company, out to get you.

    Oct 22, 2009 by
    Rated Show
    Pros: Absolutely NONE
    Cons: Scam artists who prey on people in need, see review.

    Summary: I had to get this card, because I had no other option.I just want to pay off my balance so I can close this account, but they keep adding more and more to my bill, and not applying my monthly payments. I don't know what to do. After many ... read more

  • Care credit should not have care anywhere in the name!

    Aug 10, 2009 by
    Not rated yet
    Pros: None
    Cons: Too many for 15 word max

    Summary: The most I can afford to pay for toward my dogs $3,000 vet bill is about $70 a month.  The finance charge after the the 90 day promotional period is over $300.  I am trying to find a way out.  I'm looking to transfer my balance to any ... read more

  • Irritated customer

    Apr 3, 2009 by
    Rated Show
    Pros: I dont believe they have any!!
    Cons: Bad customer service and leaves you hanging when you need help!

    Summary: I am completly unhappy with the service they provide. They didnt hold up their end of the deal. The finance charges and rude customer service is enough that I will never deal with them ... read more

  • CareCredit stinks

    Mar 25, 2009 by
    Rated Show
    Pros: Will give credit to the dead.
    Cons: Incorrigible, Slow, High interest rates, Unusual "fees" Difficult to reach

    Summary: CareCredit is promoted by Doctors and Dentists because they offer credit to anyone including patients with bad credit. Therefore, it significantly increases the Doctor's business.I would NOT recommend this credit card to anyone. We had a terrible ... read more

  • Love It!!! Great supplement to insurance,

    Mar 1, 2009 by
    Rated Show
    Pros: A "Free Loan" if you pay back in promo time pd and do not default.
    Cons: None so far

    Summary: I opened Care Credit to help with a dental bill. I have not had any issues and whenever I have contacted Customer Service, I always spoke with an "American", they were always friendly and helpful. I have a 18 mo deferred interest plan, meaning I have 18 ... read more

  • The worst credit company

    Nov 26, 2008 by
    Rated Show
    Pros: none
    Cons: a lot

    Summary: I have called them three times to ask to have the due date changed.  I get my money on the very last day of the month and the due date was the 30th of each month.  They said they could not change it.  So, I scheduled the payments on ... read more

  • Care Credit

    Jul 25, 2008 by
    Rated Show
    Pros: none

    Summary: This is the worst credit card company I have dealt with in my life! Customer service people have a HUGE attitude problem and treat people like crap. I had a dental service billed to this card, in a week or so I found another dentist I wanted to have ... read more

  • Worst credit card ever!!!!

    Oct 18, 2007 by
    Rated Show
    Pros: They'll accept anyone who can walk through the door.
    Cons: There are too many to list.

    Summary: I would not wish this credit card on my worst enemy. I needed to pay medical bills and carecredit was the only finance option that my health care provider would accept. It's a nightmare. It's impossible to keep the account current because even after ... read more

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