CareCredit Mobile

I 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.

With 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.

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.