CareCredit Mobile Customer Service

CareCredit Mobile Positive Reviews

Pet life saverWith the cost of pet care so high I don’t know how I would be able to get my cats what they need without CareCredit. Get the treatment, flea/tick meds, shots.. everything… and with CareCredit I have 6 months to repay them before there are interest charges.. 6- months…. And they list your promotional charges so you can easily track when those charges will hit that 6-month date. They even send me texts reminding me of when those no interest charges are close to becoming due. 5-minutes to download the app and get approved is all it took me. One of my cats (DMITRI) was hit by a car and needed surgery… I had no idea how I could come up with the money for the operation ($2800) but he is my baby so I had to do something. The Vet clinic recommended CareCredit and within minutes I had the peace of mind knowing Dmitri would get his broken hip socket fixed AND I had 6-months to pay off that debt with no interest. I highly recommend CareCredit for everyone. Even if you don’t need anything right now, having the CareCredit card in your pocket will give you the comfort and peace of mind of knowing if an emergency does occur you are ready..Rhb0731Version: 5.0.0

Makes life easyThis app makes it so much easier for me to keep my payments on time And make the payment when it is convenient for ME. I can make a payment without waiting on hold for someone or hoping the mail got there or waiting for internet. I love knowing I can make that payment close to the date it is due if I have forgotten or will not have the money in my account in time for other methods to get it there on time. It literally takes me seconds to make a payment and I get confirmation and a record right to my email as well as a text for reminders. In a busy life this is a huge help in keeping my credit going up up up. I also can Acess my balance and available amount anytime I need to. . This makes it super convenient during emergency situations. I use it for my puppy with a congenital issue that tends to be u predictable. It’s been an absolute life saver in these times when we don’t expect an emergency visit to her specialist! Thank you Care Credit for giving me this opportunity to better my credit while providing healthy care for my family INCLUDING my fur family! ❤️.DineesmilesVersion: 4.6.0

Even with limited credit, I was approved!I’m new to the credit scene. My credit is not bad, but it’s also not very good. I needed to get my cat into the vet as she needed her vaccinations and preventative medicine to ensure her health. I was tight on funds, and was aware of care credit and its benefits because I worked at our local animal emergency clinic. We were constantly aiding clients in the easy application process right in the er room. So I knew there would be no hard credit pull unless you were actually approved. I was also happily advising people on the ZERO % interest for 6, 8, 12, & 24 month promotions. The clients applying were being approved despite them not believing this was even an option. In remembering that, I decided to just try it out. I knew I would be able to pay in back right away and never would I need that much time to pay it back. I was approved and my cat received her much needed vet care! To top it all off, my credit score actually went way up after it was paid off. So thanks care credit! You guys are awesome!.Jenn.M.CampbellVersion: 6.3.0

Life saverWhen I traveled to Miami durning my Halloween vacation 2024. As soon as I landed into the Florida Miami airport . I’m am a California resident so I didn’t plan for needing an emergency tooth extraction. Especially because only a month prior to my vacation visit I went to get checked at the dentist have in my home town San Diego (getting told I have no cavity and I’m cleared for not needing anything until my next 6 month cleaning . ) so when I was chewing gum as I was in the Miami airport part of my tooth in the far back got chipped . Apparently Florida or the Miami part of town I was visiting didn’t accept my government assistance insurance and I had to pay out of pocket . Thankfully care credit was able to fund the service payment upfront . I’m having to make payments but thankfully I’m having no apr as long as I pay it prior to the length of credit promotion period . I’m grateful for that . I’m still bummed about having one less tooth and having it removed on my vacation but it has made me become more aware of asking more questions prior to traveling ..ThecreationiskeyVersion: 4.28.0

Easy and simpleI’m over 50 and not great with the newest multiple versions of paying my bill and the app is one stop functions that are easy to initiate and it follows me thru every step. I also like that I can see everything in one request and get a snapshot of everything I need. I did find something that is a suggestion and actually is a positive option for Care credit. In short, if you make a payment let’s say today, and you decide to pay more to the account. When I tried the 2nd payment the online option stated I cannot make 2 payments same day! Now of course I could call stay on phone, but here’s the easy process. Go back in and cancel your first payment for today. Then after you cancel, go right in and pay the additional amount with whatever you were paying initially. All I’m saying is I like your online options but as a customer, it would be nice. Out would also be nice if I remembered the correct smount!😁thank you for reading this sorry so long.Vicki RommelVersion: 4.29.0

Security & Affordability for my PetsI’ve been using Care Credit for several years to afford expensive health care for my pets like dental cleanings, annual exams, medications and unexpected health needs. I have an elderly dog (15), a young dog (4) and a partly feral porch cat. Care Credit offers many long term interest-free payment plans (that give reward points for merchandise and celebrations) that provide options for quality of life-savings to care for my animals I would otherwise be unable to manage reasonable payment plans for my multiple pets healthcare with special perks too. I’ve had a pet health insurance plan for my oldest dog for a decade I’ve actually never been able to use due to limited categories covered and very low coverage amounts while the premiums cost me a fortune for no good reason. I’ve also used my Care Credit card a few times for my own unexpected expensive dental procedures like root canals and crowns. Very grateful for my Care Credit card!.SpritetexVersion: 4.25.0

I think care credit is absolutely amazing especially if you’re in a bind.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 CareCredit. 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 CareCredit 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!! ❤️❤️❤️❤️🙏🙏🙏🙏❤️❤️❤️❤️.Nichole D.Version: 4.1.2

Easy To UseI enjoy this app 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!.AVBallwegVersion: 3.1.1

I’m so glad I got this card.The CareCredit card through Synchrony Bank is the best credit card I own. I have multiple cards with Synchrony, but this one stands out because it allows me to keep all my medical expenses in one place. One of the biggest benefits is the rewards program, which offers great redemption options at various stores. Additionally, the card provides insurance coverage option, in case I lose my job or become unable to work. While I hope to never need it, it’s reassuring to know that Synchrony will work with me to prevent my interest rates from skyrocketing during tough times. Another great feature is the health and wellness blog, which provides valuable information on a wide range of topics. Overall, this card has been a fantastic financial tool, and I’m really glad I got it!.Mr Marvelous OMGVersion: 4.28.0

Best card ever!!I used this card to pay for all of my dog Sunny’s veterinary bills the past 4 weeks because he is very sick & has rare disease called immune mediated vasculitis. I’ve already charged almost $3000 so far this month & I have been referred to Iowa State veterinary hospital for further evaluation in a few days which will certainly be expensive. Most of my charges have a promotional 0% APR, so it gives me plenty of time to submit all of the claims to Sunny’s pet insurance for reimbursement. PLUS, I just requested a higher limit amount (doubled) because I’m almost to my limit right now, & I was approved instantly! It was so easy, & I’m so relieved because I also will use it to pay dental, chiropractic, medical & prescription bills so I can make monthly payments vs a large sum all at once. Get one. You won’t regret it!!.LaneymorrowVersion: 6.1.0

Very usefulYou can check promotional balances that are no interest and their promo expiring dates and if you call the number through the app someone will answer and you can’t designate additional payments amounts destinations so that you can stay as interest free as possible with the promotional offerings. When they do add interest, it was either a non qualifying purchase (too small or not medical related) or expired. If not paid in full by the time the expiration of the promo occurs, interest is backdated to the date of the charges inception for the full amount of the purchase regardless of how much you have paid toward it so it is imperative to pay it off before that date if you want to use this card intelligently and if you have the means to do so. Otherwise I would use only in emergencies.TnbohinriVersion: 4.26.1

Pay and a whole lot moreIf I get a credit card I make sure they have an app. The care credit app does the normal and a lot of other things. I can check my balance owed and available credit anytime of the day or week. It’s super easy to make payment. There are several places that go along with the 6 months no interest if u pay it off In time. The app breaks down each amount and how long left on the 6 mons time frame. The app also lists all places that take the card. You can search “vet” and it wail bring up all the vets that accept and their location. It does a whole lot of other things but these are the ones I love the most. This post would be way too long if I listed them all. Download it. I won’t be sorry. It will make ur life so much easier!!.Ticker HayesVersion: 4.21.0

Care Credit saved me!!Care Credit helped me on a really scary night for my kitten, he was sick and possibly not going to make it through the night because he was so little- but I didnt have the money to give him the help he needed. the vet told us about CareCredit and it literally saved me. Its just like any credit card minus the interest fees! (if you make frequent small payments)- The only thing I will say i dont like is when you sign up for this- there is a security fee that it automatically signs you up for which is 22$ a month. BUT- if you call their number its an automated voice and you just have to say you want to cancel the security fee and it will cancel future fees and refund you the ones charged to your account. Luckily i noticed it right after the first charge and canceled immediately. But other than that 10/10!.Cb2909Version: 6.3.0

I hate care credit.The app is ok. It doesn’t remind you to make a payment nor does it accept automatic payments. It’s almost like they want you to miss your payments. And once you do, you can if it’s just a couple of days (because that’s literally all I’ve missed- a couple of days), they will reduce your credit line so that you’re over the limit and they’ll keep reducing it every month. This company is literally the worst and they’re predators. There’s NO reason to do this to customers that miss the payment date by TWO days. The rest of my credit with everyone else is spectacular and Care Credit is ruining my credit by doing this. They need to be fined for being the predators they are. Their name is a lie. Unless they’re talking about themselves that they care about. It’s not their customers that keep their business running. AWFUL COMPANY. RUN AWAY. CARE CREDIT YOU SHOULD BE ASHAMED AND SHUT DOWN AND FINED TO THE MAX!!!!.Nicolelyn33Version: 4.26.1

Great Extra Emergency CardI 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..Mopsey's momVersion: 4.7.0

Happy to have this cardSo happy to have this CareCredit Rewards Card! My family has been using CareCredit for over 5 years now and never had a problem using it, we can always feel secure knowing we can use it anytime on just about anything. I have spoken to customer service on one occasion and was very satisfied with the experience, wait time to speak with a real customer service representative was only about 3 minutes and the rep was fully knowledgeable and courteous, there was no need to ask to speak with anyone else or a supervisor, I consider that in itself a 5 star rating ! I hope this short review helps many others consider getting the CareCredit Rewards card and feel more secure knowing it’s always there when you need it!.Green1oneVersion: 4.19.0

Love itThis app has made things a whole lot easier. I had misplaced my card. I had to call to request a new card then wait the 7-10 days to receive. Getting through customer service and to the right department takes time and I'm always getting other phone calls while trying to reach an agent. I needed this card to pay for a dental procedure and didn't have it yet. I downloaded the app and it had all my new info ready for me. I love having the electronic card and it allowed me to pay for my procedure without an issue. I've been able to do everything needed on this app and not having to make that long phone call for assistance has saved a lot of time for me, something I seem to not have enough of..JessicaR2022Version: 4.19.0

Life SaverThis card literally saved my life. Well, my ferrets life. If I wasn’t able to apply right on the spot and get approved for credit the same day, I would not have been able to spend the money needed in order to pay for my babies surgery. They have great deals with months of no interest when you first apply and also I had no interest for having my girl cremated as long as I paid it off within 6 months. I can not thank care credit enough. I was even able to apply for more credit later on. Easy apply and everything right there for you in their app. Thanks again. I would recommend this card to anyone. Also it can be used for much more than paying animal bills..Si.JenkVersion: 6.1.0

Like Care Credit itself, their App is the best!This amazingly well designed, user friendly app for Care Credit makes it super easy to follow what you owe, see when promos expire, figure out how to calculate payments, and so on. Everything about Care Credit and Synchrony Bank seems so humane, compassionate, and unusually helpful to the consumer for a financial institution…. Really, how would many of us would ever be able to afford dental work without them?? And now they are available to help out with other needs as well! Thank you, Care Credit/ Synchrony Bank… I wish this were more the norm than the exception— but you are exceptional—and your app, just like you, is helpful and kind to its users!!.Cinzia55Version: 4.26.1

To whom it may concernThanks to synchrony, offering the CareCredit card with six month interest free I have been able to take care of literally a herd of cats left behind by my deceased wife in 2015. It has been a crucial tool in me managing my single income household has eased and taken away the stress of sudden occurrences by the animals that can’t speak for themselves. I want to give my heartfelt thanks to the people responsible for this program. It has truly helped me get through a very difficult time. The app is easy to use easy to navigate through easy to get the information that you’re looking for in just moments, this is very important because I’m a very busy person as you might imagine..CatCaretakerVersion: 4.28.0

CareCredit is a great card to have.I’ve been using CareCredit for a while and have been enjoying the rewards that it offers and the wide selections when redeeming my points. The app is also user friendly and easy to use. However, what I love most about the card is the fact that I can use it to pay for my pet vet bills as well as, my medical bills and, large charges are automatically spread out over six months without an approval. I also enjoy the educational videos which are very informative. CareCredit is by far one of the best credit cards I’ve had; besides the Apple Card. I continue to tell friends and family about getting a CareCredit card..MickeeGVersion: 4.26.1

CareCreditCompletely saved me when I needed to pay for my dog’s dental surgery! So happy when I learned it existed. My one critique is that when you make a payment, it doesn’t show up on your account immediately. DO NOT PAY MORE THAN ONCE! I was charged nearly $1000 when I was only trying to pay $500. Then I tried to call & the lady, who struggled with English, “couldn’t reverse it” because the charge “hadn’t gone through yet”. I let her know that it “went through” enough for me to get charged so she should find a way to undo that. One of the most frustrating experiences I’ve had over the phone & I fell behind in bills because of it. The concept & service in itself is great. The bugs with charging need to get worked out as well as finding ways to assist customers more effectively..Kc.bee.123Version: 5.1.0

Not such a good companyFirst, I am grateful for them letting me have this- It truly has helped me over the years , take care of my dog. Having said that, I paid off this card in the beginning of this month. Before I paid it, through their site, I first change the bank account in the app, before I made the payment. They ignored the new bank account, and charged the old account, so, of course it didn't go through. So they charged me $30 for the mistake THEY made! Didn't even notify me. So I signed into the app, making sure the right account was there ( which it was) and tried again. The payment, of course, worked, but it didn't- they have received the funds, they are holding them back until the make sure they receive the funds. Normally, I could wait, however, my dog is dying. They are not giving me full credit. So I cannot have my furbaby euthanized. There's not enough credit there until they acknowledge that they have it, then acknowledged it again. So, because of a mistake THEY made, I have to see my faithful canine companion suffer, and die, on his own. A friend is stepping forward to help us. In any case, I will be giving up this card and closing my account..StchrisjessVersion: 4.27.2

The App design is excellentThis app 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..CynOfAshburnVersion: 4.15.0

Exceptional app!!Very pleased with the flow and security of the CareCredit Mobile app! I’ve been able to do everything except initial setup on the app and I appreciate this! Also, there’s offers for pet insurance and other services that can save you money!! Thank you Care Credit for coming in and helping me save my Pug many future eye issues by choosing to go ahead and do an optional Entropion surgery at under one year old!!! Because I was an ophthalmology LVT I know how this surgery will prevent many unwanted injuries in the future so I’m thankful Care Credit was there to help me get this done and immediately! I give the Care Credit app 10 STARS AND 20 STARS for the actual credit service!!.Amanda from AlabamaVersion: 6.2.0

Credit for specific chargesI 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 CareCredit 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.K24412Version: 4.16.0

Convenient and quickI 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 CareCredit! The app 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..Danrome17Version: 4.2.0

Best App For Making PaymentsFrom using several apps to make payments.. this has been the most convenient and easiest to use by far. Everything about this app just makes sense. When you first open the app 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..Wordie wordsmanVersion: 4.0.1

App is good but annoying on IOSI’m a fan of Care Credit and the app is pretty basic and gives me what I normally need from it. I can easily make payments without much problem and it’s easy to find things like promotional expirations which are the big things I use it for. However, in the last year the app has become annoying and sends promotional messages about once or twice a week. This creates badge notifications and I have to login to the app and navigate several menus to delete them to make the badge go away. Its junk mail. It’s a waste of my time and it’s doing it more increasingly. I want to disable these but there’s no option to. Please allow us to disable the stupid promotional messages. I got 4 of them this week.Wesley barlowVersion: 4.19.4

Easy to use I have no problem .Thank you .Awesome 👏👏👏.Xxmanchildxx level 21Version: 4.27.2

Free International Money Transfer 💸Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks! The cheap, fast way to send money abroad. Free transfer up to 500 USD!AdvertorialVersion: 6.3.0

CareCredit Mobile Negative Reviews

App is fine. This company is awful.Long story short, we needed a loan to cover a medical expense we couldn’t pay for outright. We investigated multiple options and this one seemed to be the best option for us. We looked at their website and qualified for a long term loan without interest. It wasn’t explicitly clear that a given provider wouldn’t necessarily allow you to take that option. A provider will allows you to sign up for a subset of those items, even if you qualify for better. We where pushed through paperwork not understanding this (shame on the provider) before finding this out. When I asked CareCredit they educated me, but admitted there is no way ahead of time to know what a provider will let you select or (more importantly) audit problems like this after the fact. In short, there is zero accountability or recourse. Once screwed, stay screwed. This alone was bad, but it gets worse. I added my spouse as a registered card user, but they accidentally mistyped the name in a distinctly weird way, which we had fixed later. We paid off the loan and not even two months later we got a credit card offer in the mail for the name that they mistyped from a third party. They sold our information. I’m sure this was probably more fine print that we “agreed” to, but none of this was transparent. We would never chosen this company if I didn’t have to (out of desperation) at the time. Shame on you..Paul Baker Salt ShakerVersion: 4.23.0

ScamI don’t know how so many people can praise this scam unless they’re paid. Here is my experience: while it wasn’t earning interest, everything was fine. I had lost my job so I couldn’t pay it off for awhile but I made the minimum payments without ever being late. The SECOND it started earning interest, I was locked out of my account. When I tried to get help, I was told they couldn’t help me without my account number or card number. How do I get my account or card number if I can’t log in to see it? This has gone on for TWO MONTHS. Meanwhile, they are calling every single day asking for payment and charging me expensive late fees — $40 every time! FINALLY they send me a paper statement so I have my account number. I log in to pay — which is stupid btw. If some stranger wants to pay, let them — and they inform me there’s a new login and I have to verify myself. I do, have to create a new login, then they have me verify myself AGAIN using the EXACT SAME method they just used! How is that anything other than a nuisance? I go through all of this for two months only to get a screen denying me entry AGAIN. I have to call Monday through Friday. Im going to find a way to pay this off and never ever use it again. Between the late fees and interest they’ve charged me while locking me out, I’ll probably need a loan to pay it off. Absurd..Midorrian2Version: 6.2.0

Vet visit payment declinedI’ve had Care Credit for several years. Only used it at our vet’s office. Then went to use it for my dog’s visit in January 2023 only to discover that our card was declined by Care Credit because we didn’t have the new Care Credit card with the MasterCard logo on it. When I called and spoke with a representative, I was told we cannot apply for that card because MC does random selections for current Care Credit card holders. She then inferred that maybe my credit score was too low! My credit score was 833 at that time and it’s even higher now. What an insult from that very rude person! So I cannot use my current Care Credit card at my veterinarian’s office, regardless that I’ve used it in the past and ALWAYS paid my balance well ahead of schedule! My veterinarian’s office stated they would not apply for the new updated Care Credit with the MC logo account because their customer service is one of the worst they’ve ever had to deal with. I totally understand what they are talking about, because the “customer service” person I’ve had to speak with was extremely rude and disrespectful to me! I’ve had to use my personal credit card to pay for vet visits and still manage to pay them off after two payments. But my credit worthiness by paying all my bills doesn’t matter to Care Credit or apparently Master Card either..Dutchlady1974Version: 4.24.0

Acc shut downI was very satisfied with this account and program. Honestly would have rated in a five star but for some reason, even though I have my auto pay set up and it has gone through every month, and I still have money in my bank, my last auto pay was declined, and apparently due to this without any warning! My account was shut down. I am extremely frustrated. I was also told that I could open a new account after the remaining balance payed. By the way it was one payment left. But I am afraid that due to having a recently closed bank, the system will not allow me to get a new card and I will have my credit pulled for no reason. No one seems able to give me any definite information regarding this issue. Of course, I will reach out to my bank and ask what happened but I even be able to tell me anything helpful as it seems this is the common thing for one bank to blame another bank. Not having a warning is not a good policy. But if I didn’t have money in my account, and the payment was declined. I would understand at least somewhat. But I do have money in my account and it does not show any declined payments. I believe this issue. To be a synchrony bank error and feel unjustly treated..PuppyandbigdogVersion: 4.21.0

Worst card program everGot this card for a last minute dental procedure for my daughter I was approved for $4000 which was great the procedure was $3800 and they offer 12 months no interest financing. The parent company is synchrony bank and apparently they reevaluate your credit regularly which is pretty normal many cc companies do so. However this is the first time I’ve experienced this situation where my credit dipped a bit do to using one of my other cards for an emergency car repair unfortunate but it happens synchrony lowered my credit limit from $4000 down to $2500 because of it making the card usage go up over 90% even tho I had never missed a payment and was paying $300 a month to make sure it was paid off in 12 months the minimum payment is $80 so I paid on time and over minimum and they still penalized me by lowering my limit. Which in turn lowered my credit score even further because the card is almost maxed out again because the balance was down to 2400 when they adjusted the credit limit to 2500 from 4000. So beware this was great in an emergency need but I definitely won’t be using it again when it’s paid off in a few months..C.LoutzVersion: 4.25.0

Run AwayI don’t have dental insurance and my dentist office suggested using this. Forty, the app 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..DimpleschickVersion: 4.15.0

Customer service is badStay away if you can! It took over 6 people until I finally spoke with the last person on why I can’t use my card. There agents in the fraud department are rude and one agent hung up on me after I told him I wanted to speak with a supervisor. I spoke with Amber and she was helpful at first an at the end was not helpful couldn’t even figure out why I can’t use my card. She said there isn’t much I can do.. so I told her so just wait for my account to close then since u can do anything or figure out the reason..All she said was I can transfer u back to customer service… so she did… and the last agent I spoke with if I can give her 5 stars I would. She explained to me why I couldn’t use my card and explained to me it’s listed hear on ur account… I got transferred all over the places and spent over 2 hours waiting…. Horrible customer service. At the end of all this I’m glad I didn’t use the card and glad my account will be canceling on the 16th of April… because who wants to deal with customer service like that… as a customer I sure wouldn’t… if u don’t like ur job as customer service then get a new job then...Mja11212Version: 6.3.0

Doesn’t work at allI wish I could give this zero stars because I haven’t been able to use it to determine its actual rating. I downloaded the app 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 the app. 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 the app. So I’m assuming she asked around and the response I received is that in spite of the fact that this app 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..Jubie13Version: 4.0.1

Incessant notifications for message center that cannot be turned offOtherwise great app. However, you cannot turn off the notifications for inapplicable message center alerts. Literally every time I try I get an error that says “We are unable to complete your request at this time. Please try again later.” And a quick Google search makes it pretty clear that this is by-design and has been happening for some time. Is there intent to fix this issue? Only the developer knows. Currently, from what I can see the only answer is to turn off notifications through IOS, which means also not getting payment due reminders unless you have it set up to send email alerts - which you have to do through the website, because, well, the error above happens. Fix this issue, and it’s a useful app. Don’t fix it, and it’s good for paying your bill if you have the email alerts set up. Otherwise it’s noisy and intrusive with a bunch of messages you don’t want, need, or care about..Colec0603Version: 4.27.1

Account Activity BuggyI was really thankful for this app 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..UmjvckyVersion: 4.15.0

Use Cherry Financing InsteadI’ve probably helped hundreds and thousands of patients sign up for Care Credit since they started. I usually tell Patients that I use them myself but as of now I will never use them again. I just got charged a $425+ interest fee for a $5000 transaction that I could have paid cash for but used Care Credit just to build a little more credit. At the 6 month no interest rate, why not? I signed up to pay it off within 6 months but apparently there was a small balance over $100 that somehow got miscalculated. I used the card again for my dog but had to deal with the weird chat and speaking to a very unhelpful agent over the phone. The only good thing is the chat helped me allocate the future payments towards that minor payment that was previously due because otherwise that would have been applied to my new charge. All sounds very sketchy and backwards. Use Cherry Financing. They are fantastic. All patients have been super happy with them..Listen Closely...Version: 4.29.0

Does not respect notification settingsI have all notifications turned off within this app, yet I still get lock screen, home screen, and app badge notifications for things I have turned off inside the app. They have now subscribed me to motivations about a podcast they are hosting (and who is listening to a podcast about having to use a credit service to pay for basic human needs like healthcare?????). There is no way to unsubscribe. When you try to go to support for the app from the Apple App Store, it takes you to their generic customer service website with agents who only have the ability to help with your account, payments, etc. and have no ability to report any app malfunctions to the developers. I know I can turn off the notifications within my Apple Settings menus, but then I won’t get payment notifications, etc. Additionally, the app often will fail to load correctly due to server issues. A poorly designed app for a predatory lending service..Ankh99Version: 4.18.0

Life Ruining Greedy Bank, Stay AwayI got this app and card to help my partner pay for dental services. I set up auto pay and forgot about it, thinking this would be a good credit builder, until I checked my credit report and saw this account was over 90 days delinquent. Also, at times I would check the app and it would show “$0.00 due” so I would think my payment was good for the month. They removed auto pay as a feature and didn’t push a notification or email, nothing. So now I’ve got a delinquent credit history because of this, which has caused my other credit lines to get shrunk by as much as NINETY PERCENT 90%. This app and Synchrony have absolutely ruined my credit and has prevented me from finding housing. Stay away. I have begged and pleaded with their customer “service” to help, I have disputed the claims with the credit bureaus, and yet Synchrony insists it’s not their problem. If you remove an auto pay feature, it shouldn’t fall on my head..PapaCzarVersion: 4.26.1

App is horrible, tech support treats you like you’re an idiotI’ve had decent experiences with making payments over the phone and generally all their non english dominant employees are the sweetest. However everyone else is horrible and rude. There will be times where the app doesn’t accept your password so not only do you have to uninstall/reinstall repeatedly every-time you want to make a payment over the phone, you have to continuously change your password. I don't know who “helped” me over the phone but you were horrible. I am a very patient person but how could you treat me like an idiot when all I wanted to know was if I had to keep doing this for future payments. Instead of telling me that, you just kept repeating what I clearly said I had already done. If it’s annoying fine whatever, I’ll still do it to pay my bill. But its frustrating when: you went through all the steps, nothing was working, you called to inquire about your situation, and are spoken to like none of that happened and you’re just an idiot that doesn’t know how to reset your password. Is it so hard to reciprocate kindness and patience when it’s being given to you? Or is it just easier to go about your work day being rude? Anyhoo, I don’t know what that lady’s name was but she was rude from the very get go..Kitty-kris10Version: 4.28.0

BewareThis company will give you credit BUT as you pay it off, if you do NOT use the open balance and run it back up they will REMOVE IT making it appear that you were undeserving of that amount of credit!!! This happened to me TWICE so far and I cringe to think how many more it will happen before it’s paid off! I will never use them again no matter what the consequences. I have worked very very hard to rebuild my credit and they took 23 points. The first time that this company did that and I lost 32 again yesterday for the same reason! I called care credit and the customer service rep told me that’s their policy. Use it or loose it!!!!! BE VERY CAREFUL! By the way I DID report all of the to the credit bureau and they made a remark. Then Care Credit disputed that even though I have Proof of the original loan amount! It was removed and down went my score again. I think it’s a scam to ensure you MUST use them in the future..Mz D WestVersion: 4.28.0

Not all people can afford the latest phones with your company requires to use the updated app.I would think if you wanted to keep a wide customer base, you would see to it that those who are less fortunate and can’t afford the latest phones would still have access to your app. Why not have your app allow for an outdated IOS that is no longer available to update to still functions as usual. We have 2 iPhone X’s and they will no longer take your update. This app is how I’ve been doing business with Care Credit for at least a decade now if not more. If you truly value your customers, then I think it would be appropriate to make your app accessible to all your customers, rich or poor. Give the option to us and make available your app in both the latter versions as well as new. Try keeping your customers happy. Thank you for listening. Jon Case aka Onstermo.OnstermoVersion: 5.0.0

Payment allocationAdd a payment allocation feature like every other bank, because I’ve had to chat in multiple times and stalk my statements yet they still don’t do it correctly. This isn’t 100% the app’s fault but this lack of a key feature deserves a 1 star. For example, I paid $xxx on July to cover an accidental standard payment that had to be paid off that month. I paid it off but kept accruing interest. I forgot I paid it so I just owned it and paid. I chatted immediately after each payment to have it allocated to certain plans etc. I finally went back in the chat logs and saw I requested this multiple times. So, I almost paid over $100 in interest that I did not actually owe. They’re reversing it now that I’ve called them out on it. Stop making call center reps who are exhausted be the center of this. Just let the consumer make the choice to allocate our own payments!!.HeylookanewreviewVersion: 4.27.2

They Don’t Function and They Don’t CareOkay 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..Happy HiramVersion: 3.2.0

Latest update does NOT WORK on older iphones!This app 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. The app is now useless. Can you fix this so an older iphone user can still use the app? Update: It’s been 2 months since this latest update... This app is still useless if you have an older iphone. Please fix this issue so we, with older phones, can use it again. :(.Nanrae13Version: 4.16.0

SynchronyBank is terribleI was able to use care credit to get my wisdom teeth removed a little over a year ago. I paid all of it, $1300+ and had the balance at $0. Got hit with an interest payment of $2 four days after. Got hit with hard inquiry for this, and somehow I still have a 100% payment rate. The company has employees across 2 continents but won’t allow you to speak on the phone with anybody of relevance to the company. Nobody that can actually help you. They filed a dispute for me but also investigated me so that they wouldn’t have to help me on paper. I doubt it will be disputed considering Synchrony Bank sent me an email stating this. My score dropped nearly 100 points for this 2 dollar interest payment that I didn’t know about, then Care proceeded to not care. It seems they just worked against me..NSNgimmickVersion: 4.27.2

Great app terrible companyThe app 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....AnnettSpallerOrtizVersion: 4.10.0

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