How Easy is It to Get Approved for Care Credit
CareCredit Card
Overall card rating
2.2
from Credit Karma members
Most helpful positive review
Easiest Card to Apply On
Credit Karma Member
I have a score just above 550 and I was approved instantly for $2000.00, please give it a go. I mean I have all types of negatives on my credit, charge offs and all.
Most helpful negative review
Credit Destroyer!
Credit Karma Member
The interest is absolutely ridiculous but to add insult to injury after paying on this card for the past 7 years they started doing random audits of accounts to drop the credit limits. ?It's not enough that I've paid a small fortune in interest over the 7 years but when I made a large payment to reduce my balance from $5500 to $3500 they dropped my credit line to $3800. ?As frustrated as I was, because of the significant negative impact that had on my credit since it is largely based off of available credit, they did it again! ?A month and a half later I get my balance down to less than $500 and they drop my credit line down to $800. ?Once again another major impact on my credit score! ?Once I close on my mortgage loan in the next 30 days I will pay off the remainder and close it out permanently. ?The customer service is absolutely horrible as well!! ?The lack of knowledge about their job astounds me! ?I wish you could give zero stars!
Member ratings
All member reviews (262)
53
21
16
14
158
Embarrsingly Shady and Unhelpful
Credit Karma Member
This company has no regard for their customers. They will paint you a picture of how you are currently standing but then don't openly tell you that your interest rate will kick in one year after... (no warning apart from a small blurb in the bottom of the statement so they can say "it's on the statement). This is a joke of a company and does not care for their customers trust. Couldn't recommend this company less... sad company with sad values.
Care credit
Credit Karma Member
This is the most PATHEDIC excuse for a credit card I have ever in my life dealt with my dog got hit by a cat I have a credit score of 620 and was denied my dog is goin to die thanks to them and a vet that will not take any kind of payments
Company is awful
Credit Karma Member
They will close your account even if it is in perfect standing! Stated we found you not credit worthy!!!! I have had this account for 7 years and use for emergency Vet,,,, never missed a payment and they closed it!!!!
care credit card
Credit Karma Member
This card should never be used to build credit. That is not what it is good for. I think it is good to get for emergency medical stuff, especially for pets. The interest is ridiculous, but they do tell you at the start. they are slow at updating their online account if you pay that way. they will drop your limit if you start paying off your balances fast. customer service is ok. so, be careful how you use this. It is very easy to get but hard to maintain so ,again, use it only when you must :)
Only had for two months
Credit Karma Member
So I got this card for medical use. Had a $800 charge against it. Paid it off within the week. Two months later, notified today they closed my account, no warning nor explanation. Found out through CK, due to my score dropping from the closed account. Lucky I learnt that before a potential emergency....
Many illegal issues with this card. They hang up
Credit Karma Member
1. They over charged me on interest. 2. They try to change subjects when asking for copy of our agreement. 3. They hang up &/or turn off chat when being reminded what you're requesting. 4. They refuse to send the agreement you have with them and will only send a new agreement. I had to submit a complaint with the CFPB (consumerfinance.gov) due to having so many issues.
Good for emergency when no other options
Credit Karma Member
Out of the 5+ years I had it, I was a day late with a payment maybe 5-6 times. Of course that means, my $30min went up to about $75. Fine, I get it. I pay more than the min anyways. Well, out of no where they lowered my credit limit which was a hit against me on my credit as it shows I'm close to maxing it out, when before, it was less than half used of the limit. Started off with a limit of about $2,000 ad they brought it down to about $900 when I owed about $700. Now, out of nowhere, they just closed my account without even a reason why. No email or any type of notice. Only reason I got this card was because my cat needed a surgery and I did not have the funds at that very moment. a Couple years later, I added my mother and she used it once to get glasses. My mothers credit is good so it cannot be the reason they closed the account if they were to take that into consideration. It's great for an absolute pet emergency but if you can avoid getting this card, I would. Now I have to call in, go thru the automated system, for the next couple months to pay off the $300 I had left on the card because they no longer allow me to make payments via the app nor their website because the account is closed. Now that I think about it, for the past couple months, if not more than a year, I have not received any statements either by mail nor email as I simply used the synchrony app to pay. What's wrong with this company? I only used it twice!
BEWARE OF THIS CREDITOR
Credit Karma Member
BEWARE: I have had many credit cards and lines of credit throughout the years, but CareCredit are horrible! They trick you into signing up for their credit cards with an attractive introductory offer, then once the offer expires their percentage rates go through the roof! If you are only ONE DAY late on your monthly payment, they threaten you and lower your spending limit! Customer service is rude, cocky, and suck. I recently took out a debt consolidation loan just to pay off my debt balance with them and to be DONE with them, once and for all. I also destroyed my CareCredit card.
Works well until they cancel it
Credit Karma Member
Had my card cancelled after my balance went up on a few cards during the pandemic. From 4500 limit zero owed to cancelled and the only reason in their crappy letter is that I had a couple cards near max (not their card) but no late payments. Such crap, I used that card to cover for my lack of dental insurance and they screwed me over. Horrible service! Horrible company!
Terrible!!
Credit Karma Member
Super high interest rates and customer care reps are horrible! They don't care to help the customers! Do not get this credit card or you may regret It later such as myself!
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Source: https://www.creditkarma.com/reviews/credit-card/single/id/carecredit-card
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