CareCredit Mobile Reviews

by Happy Hiram

Okay 1) when I wanted information about cars credit the phone had no operators and the website was confusing, distracting and wanted you to sign up before saying anything. At my dentist they had me sign the papers before I saw 26.6% interest rate. Went to make my payment and the website said “we can’t process you st this time.” The phone said (first thing) you can speak to an operator for $10.” After I put in my checking account info it said “you bill is proces-“ and the call dropped. It is supposed to notify me about EVERY TRANSACTION and contact. No call no text no email. Oh and when they free app got done collecting my charge card info it said, “that transaction is approved” but I wasn’t making any transaction and they don’t accept payment by credit. The day after I signed up for Care Credit my credit score went down 14 points because I was stupid enough to sign up for this rip off.

by Jubie13

I wish I could give this zero stars because I haven’t been able to use it to determine its actual rating.
I downloaded CareCredit before the iOS update to 12, but it didn’t work. I’ve since updated my phone and all apps but if still doesn’t work. I get an error message that says “We are unable to complete your request at this time. Please try again later.” I’ve uninstalled and reinstalled CareCredit . I’ve tried it on WiFi, cell data- nothing.
I did an online chat with customer service, they had no idea why it didn’t work.
I sent a secure message to customer service and was told I had to call in because this error message may be one of several things (huh?).
So I called. First she told me that it’s something to do with Apple’s security blocking their website through Safari. I am able to log in via Safari, but not CareCredit . So I’m assuming she asked around and the response I received is that in spite of the fact that CareCredit was just updated two weeks ago, they are no longer supporting the iPhone app. What?!? I’m so confused and have an app that doesn’t work. So disappointing.

by Nanrae13

CareCredit has been great! - until the latest update. Incidentally, I have an iphone 6. The ios cannot be updated past 12.5 version. This update requires ios 13. When I open the Care Credit app to pay my bill, it displays that I must update to the latest version first. So i proceed to update. It then displays that I must have ios 13 to update and asks if I want to download the older version. I click “download”. Then it does nothing and still will not let me access the Care Credit app without updating it to the newest version first. CareCredit is now useless. Can you fix this so an older iphone user can still use CareCredit ?

Update:
It’s been 2 months since this latest update... CareCredit is still useless if you have an older iphone. Please fix this issue so we, with older phones, can use it again. :(

by Dimpleschick

I don’t have dental insurance and my dentist office suggested using this. Forty, CareCredit is difficult to use. Won’t let me set up an account and after the third try, I gave up and will log in at the website

Second, I made my first payment four days after I was approved. Two weeks later, there was another bill so I paid that too. I figured the next bill we’ve in a month. I checked my balance and guess what? There was another bill due in four days. No notification was sent. So I paid that three days ago. I’m almost afraid to look again. I also paid a little more than their balance on the bill and now I have to pay the higher amount. If I pay more on the next bill, that will be what I have to pay for the rest of the loan. Note that I am paying off in 12 months to avoid interest.

They have very high interest rates and if you are late, you will pay a fee. If you choose the no interest plan, you will pay interest on the entire loan if it is not aid on time. I plan to pay off my 12 month loan in 10 months or earlier because I don’t trust this organization at all.

by Umjvcky

I was really thankful for CareCredit for helping me pay off my dog's medical bill and my experience was pretty smooth up until I was about to schedule in my last payment which never showed on my Account Activity. Thus, after waiting a few days to see if my scheduled payment would appear, and it didn't, this led me to believe that I had to schedule it again. No cash was taken out of my account each time I scheduled a payment up until it somehow randomly went through and I got charged TWICE (as of the time this review is being written). I'm hoping it didn't go through more than twice since it doesn't really show me anything and as another review states, feels like I'm being punished for trying to pay off my bill so quick.

It'd be convenient if there was another way to contact support such as through email or even request a dispute through the account history section.

by AnnettSpallerOrtiz

CareCredit is great but the company itself, Synchrony, is far from great... Paid for years into the customer protection program and once I actually lost my job they denied my application for the protection program...missed only one payment (by a week and after informing them that it will be late) now at that point I understood the lowering of my credit limit but now comes the kicker... back to work... paid of the last couple dollars owed and after a while ask them to raise the limit back up .. their answer? The account was closed without me being notified... now I am supposed to re-apply for a new card because this one can’t be re-opened... I don’t have insurance, this was my insurance so I’m the middle of an pandemic you cancel the lifeline of people to pay for their care.... I’m done... with synchrony and anything they stand for...

by AJ Dodge

I'm a this app lover in general. Credit cards are the devil and all that but CareCred has saved me some serious financial hassle getting dental work done on both me and my cat. The fact that they allow you to use it for veterinary work has seriously improved the quality of my life and my pet's life.

So CareCredit is great as well, it makes it so easy to deal with all this. The one complaint I have is that the balance showing on CareCredit doesn't update quickly, especially if you pay on a Friday or weekend, so sometimes it leaves money 'floating' out there in cyberspace, which is an incredibly uncomfortable sensation especially if it's a lump payment. I've never had serious issues though kudos to CareCred.

by Jaymibh

I don't like my bill but I love CareCredit . I've been using Care Credit for years and they're the most user friendly credit service that I've ever dealt with for dental, medical issues, and veterinary care. I rarely use them for anything else due to how easily the credit "octopus" can get out of control. If a company had a way to help you keep it under control it would be them... but no one can pay your bills for you. An app will take care of only so much. A low credit limit and one or 2 credit lines for emergencies has been a God-send.

by LifeTheRonWay

I broke my glasses and was in urgent need of a pair. I was a little over extended for the month and wasn’t quite sure how I was going to afford them. I began researching and came across care credit. It’s been awesome. It allowed me to get both my contacts and glasses ordered. With CareCredit displaying card info the info I need was available to me before the physical card arrived in the mail.
They allowed 7 months on my purchase to pay in full and won’t accrue any interest.
I’ve since realized it be used for all kinds of things. Including taking my cat to the vet.
Thanks this app!

by AVBallweg

I enjoy CareCredit for exactly what it is, a quick and easy way to pay your bill and to always have your card "with" you, even if it's not in your wallet. To see a more extensive look at everything, your promotional status, statements, etc., it is best to view it online but honestly, I don't need to look at all of that when I'm just simply trying to make my monthly payment and chip away at the total when I can. This is the only banking/credit card app I have that I can open, verify my identity with my thumbprint and then immediately have access to paying the bill on one single page and being done. This didn't exist 6 years ago when my husband and I had to open a care credit card to pay for an unforeseen surgery for our kitten at the time but I'm sure glad it's available now the second time around with a different kitten, different (expensive!) surgery. Very happy with it, thank you!

by Ladyloosy

I’ve had this app for many years- for hearing aids, dental work and glasses (at Wing Optical) and will use again soon for new hearing aids. With nearing my 80th birthday and living on Social Security I wouldn’t be able to manage these medical expenses- I’d have to do without!!
FYI - I also use Synchrony Bank’s CarCredit for car repairs on my 16 year old Toyota. Again, couldn’t manage without these two cards and haven’t paid a penny interest on anything since I set up each account for online automatic payments.
(Maybe I’ll make it to 100 with the help of these two cards!) THX SYNCHRONY BANK!
Another FYI- my daughter uses her Care Credit to pay vet bills for her 4 elderly dogs.

by Army.princess.2k10

Applying and being pre approved with a temporary card made a life or death situation a bit easier. Having this card as a cushion saved our 10 month old German shepherd puppy. We live pay check to pay check like most families do and I was recently let go from our second income when our pup decided to try to jump the fence to get to us. She impaled herself in the stomach near her bladder. Having this to pay for her vet visit was the only way we could afford the surgery and save her life. Thank you for coming up with this card and app to make life easier when crazy circumstances come up.

by Wordie Wordsman

From using several apps to make payments.. this has been the most convenient and easiest to use by far. Everything about CareCredit just makes sense. When you first open CareCredit it shows you exactly how much is left for your payment and when your next payment is due. It’s very simple to navigate, and shows you all your basic payment info. It’s also very easy to customize how much you would like to pay to your bill if you wish to pay extra. I do wish you could set up automatic payments but that is ok. At least I was able to set up reminders on my phone to alert me when a payment is approaching.

by Nichole D.

I don’t know why everybody is saying oh and the finances so expensive if you pay your balance then there’s no finance charges. End of story I mean if that’s the only complete people have then my god that’s the least of their worries. Anyhow I thank God for this app. I just started using it I love it I just made my payment I paid the balance I also asked for an increase they asked me how much I wanted and then boom gave it to me I am extraordinarily happy I just hope that they will make my Increase higher, maybe I should’ve asked for higher but I wasn’t sure how that worked. I am working towards getting a surgery done and I would love to have a Knouff of the this app to do it which is around $7000 right now I have $2500. eventually I’m sure I’ll get it, as long as I keep making my payments and keep it at 100% I should be OK. All I can say is thank you so much care credit thank you thank you thank you!! ❤️❤️❤️❤️🙏🙏🙏🙏❤️❤️❤️❤️

by Danrome17

I understand for some that it may not be very easy to pay off a large amount within 6months, but having the option to pay off in 6months with 0% interest is such a convenience for me. I wanted something done and I really didn’t want to wait so my plan was to save up and pay cash in 6months time anyway, so the fact that I was able to get what I want and pay it off in 6months with 0% interest really just made this very exciting for me! So thank you this app! CareCredit is very user friendly and got the approval response in minutes. Anyways I love it. So my rating would be six starts if the option was available :) very happy with this service.

by K24412

I was so pleased to qualify for this card after having to start over from a divorce. My need was for dental work. After my divorce who was a dentist I was very apprehensive about going to the dentist after moving from the state and having an issue I found this this app card and found it Dental and even my pet if an emergency and I couldn’t cash for the bill I don’t carry another credit I do keep a debit card but some of these procedures are for exceeding a monthly paycheck and as I use the card and my business grows I can raise my cash limit do you have a charge on this card it works really well for what I need it for

by Ali2228

Short version: great card to use for emergency vet bills. Easy to use app.
I had an emergency vet visit with one of my cats. I had absolutely no way of paying +1,000 for a visit that day. After losing two cats before that to not being able to afford tremendous I was absolutely crushed. I was approved same day, and able to use it ASAP. It really saved me from losing my furry loved one that day.
I can’t give to much of a review but I will say the 6 months no interest (as long as you pay before the 6 is over) is great.
I’m not sure how it will be if I have to use it again, but absolutely a good option when the only other option is losing your pet.

by Cuties Mommy

I’ve been using it for about a year and like that I can see what promotional purchases I’ve done and when they expire. I do recommend when paying off a balance do it at least a day before the expiration date. I had a problem where I paid it on the day the promotional balance was due and they added a late charge. Luckily I caught it on that day and had it cleared up with them. A nice feature of CareCredit is that the card is in there in case you ever forget it or lose it. You can also pay a doctor if they offer the option to bill you. All you do is look up your doctor and follow the prompts to pay them.

by CynOfAshburn

CareCredit is easy and precise to show transactions. It tracks payments clearly even before statements are generated. Also shows vet hospital credits applied so I can confirm amounts with the vet hospital statements. I’m so glad I learned about care credit when my cat recently developed nasal lymphoma, a fast, aggressive, and fatal cancer. A CT and other diagnostic procedures were needed to come to this diagnosis, giving me the needed facts to make the correct and most humane decisions for her. I had to euthanize her before her suffering increased. Thanks to the no-interest deferred payment promotions I can manage the debt, and have peace in my heart that I was able to do the best for my tabby cat Honey up until the end of her precious life.

by Mopsey's Mom

I just read another reviewer who used the Care Credit Card for their FurBaby. When I got my card it was for my set of hearing aids - very handy not to have to put this large purchase on a card where I would either pay a lot of interest every month or have to pay it off immediately. I have plenty of time to pay it off. I did check to see what amount I needed to pay each month in order for the payments to be enough to equal the entire amount at the end of the appointed time. Then MY FurBaby, a rescued kitty, had medical issues when I adopted him. Quite a few unfortunately. So I used the card for those also and have paid off both of these amounts before the original due date. My conclusion is that it never hurts to have a spare card in case of emergencies.

by Kissa9mE

This finance is terrible expensive of interest 😠😠😠 also reduce the credit too , the price of cosmetics is too high ! Why don’t you bring all then , not true that they r cheap 😠😠😠, we have s change of one time to change out due date but after is crazy interest so you guy don’t do it 😠😠😠 , price cosmetic too high , of want to reduce the credit , why don’t you bring back all then x so crazy, I have my due date of every 22 th of the months and then I move to 28 th of the months of my first time to change due date , and I have fixed rate that will always to pay same every months for there year , I was did mistake to transfer 2000$ at the first because was thing will help my payment reduce but not true and still same , if the normal card that will alredy reduce the payment of every months if money hsve below down

So I want to told if everyone read this don’t moved the due date, every time pay interest 70$ and last months before changing due date is 54$ but just change 4 day far that the bank charge me 145$ that a crazy ever that I didn’t know of it😡😡😡😡

by PitbullLover87

CareCredit is wonderful for viewing and paying your credit card bill, terrible for paying doctors bills online. I just found out that a bill that I paid last month to my dentist’s office wasn’t received even though it showed up on my card and statement. Now my dentist office has to call Care Credit and find out where their payment is. Needless to say, I won’t be using CareCredit to pay doctor/dentist bills anymore, I’ll be paying at the office. My advice, use CareCredit to check your balance, present your card, or make a payment on you card. Don’t use it to make a payment to your doctor.

by Michickaela

My rabbit almost died and I had to pay about $500 UP FRONT to save him. We didn’t get to eat much that month. I got care credit and it helped so much since vets don’t allow you to make payment plans other than care credit. CareCredit for it works well and is very convenient! I just wish it processed the payments faster. It’s a must have if you own a pet.

There is NO interest if you pay your payments on time every month. Anyone in the reviews saying that probably isn’t making their payments on time. I have never had to pay more than the amount the vet gave me.

by Add Me!! OoBorn2Dieoo

CareCredit is very simple and easy to use. Having this makes tracking and making payments much easier. I also like that I can use my virtual card anywhere that takes Care Credit. I change wallets a lot and forget my actual card all the time. CareCredit has saved me so much time. This is my third time paying off a large purchase with Care Credit with no issues and absolutely no interest! If you have a payment plan and beat the deadline you won’t have issues. They even increased my credit limit which in turn raised my credit score!

by SP. V

I set my account for automatic payments because I hate keeping track of due dates for all the bills we have. However, on occasion I will make additional payments or check my balances so CareCredit is perfect. I haven’t had any issue with CareCredit. CareCredit is easy to navigate and simple enough use to to get the job done. I use to log on my account with my computer, but it’s so inconvenient because I’m not always in front of my computer. CareCredit makes keeping track of my account so much easier regardless of where I am.

Highly recommend it.

by GTigers55

Our lab suffered a torn CCL (dog version of ACL) shortly after my newlywed wife and I returned from our honeymoon. We weren’t in a financial position to pay right away and our primary credit card’s interest rate is too high to make that a feasible option. Our provider recommended care credit as an option and made sure to let us know to pay off the balance in full by the due date and there would be no interest. Amazing option and approved in minutes and preventing a delay in her treatment. Just MAKE SURE TO PAY IT OFF BEFORE THE PROMOTIONAL PERIOD ENDS and it works perfect!

by RashidaH227

So far, CareCredit has been awesome. Very user friendly. I like that you can pull up your card on the screen. I don’t always have my cards with me but you know I always have my phone.
As for Care Credit, I cant thank them enough for their service. I have, “less than perfect”, credit. When my dog got extremely sick and needed to be hospitalized, Care Credit gave me the credit I needed to have my girl taken care of immediately. I paid off the balance within 6 months and never paid interest. It was the exact help I needed at the right time.