Review Insights · Google Play
CareCredit Mobile
Synchrony · 44,432 ratings · ★ 4.2
4.2
★★★★★
44,432 ratings
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Top complaints - extracted from 55 negative reviews
Recurring phrases mined from 1-2★ reviews. The bigger the percentage, the more users have the same problem. Fix the top 2-3 in your version and you have product-market fit on day one.
1
"account"
11 negative reviews mention this · 20% of all complaints
★★★★★ "service is okay, but app contents locks me out around payment time. which if you miss forces you to start paying interest. Terrible customer service and login system constantly has issues. Im using a S26 Ultra so not the phone either. make …" - Timothy Leingang
2
"card"
11 negative reviews mention this · 20% of all complaints
★★★★★ "they actually suck now because it's synchronicity bank and them and PayPal don't allow me to pay my bills with a cash app visa card and won't accept my 8 digit routing number, so screw them, I'm not paying" - Sleepy Snow
3
"credit"
11 negative reviews mention this · 20% of all complaints
★★★★★ "they don't apply any payments you make towards invoices.they charge you interest and a payment security. you can't possibly catch up. I have not one payment since I got care credit go towards any principles or invoices. they just add it to …" - Sandra Woodside
4
"payment"
10 negative reviews mention this · 18% of all complaints
★★★★★ "This entire company is trash. This trash app doesn't even allow you to screenshot the payment confirmation page. Synchrony bank is predatory. DO NOT USE THIS COMPANY." - Christopher May
5
"late"
9 negative reviews mention this · 16% of all complaints
★★★★★ "never received a notification stating that my bill was about to be due, only noticed because I checked the app at 1am on the due date, hurried up and payed the bill, but I got charged a thirty dollar late fee. wth? yall didn't send me any n…" - Devan Jones
6
"update"
8 negative reviews mention this · 15% of all complaints
★★★★★ "New update made signing in impossible. Give phone number to receive link, click on link, return to app, app resets all progress, redo sign in, give phone number to receive link, and start again. Why?" - No Name
7
"number"
8 negative reviews mention this · 15% of all complaints
★★★★★ "New update made signing in impossible. Give phone number to receive link, click on link, return to app, app resets all progress, redo sign in, give phone number to receive link, and start again. Why?" - No Name
8
"phone"
7 negative reviews mention this · 13% of all complaints
★★★★★ "New update made signing in impossible. Give phone number to receive link, click on link, return to app, app resets all progress, redo sign in, give phone number to receive link, and start again. Why?" - No Name
9
"sign"
7 negative reviews mention this · 13% of all complaints
★★★★★ "New update made signing in impossible. Give phone number to receive link, click on link, return to app, app resets all progress, redo sign in, give phone number to receive link, and start again. Why?" - No Name
10
"paying"
7 negative reviews mention this · 13% of all complaints
★★★★★ "service is okay, but app contents locks me out around payment time. which if you miss forces you to start paying interest. Terrible customer service and login system constantly has issues. Im using a S26 Ultra so not the phone either. make …" - Timothy Leingang
11
"interest"
7 negative reviews mention this · 13% of all complaints
★★★★★ "service is okay, but app contents locks me out around payment time. which if you miss forces you to start paying interest. Terrible customer service and login system constantly has issues. Im using a S26 Ultra so not the phone either. make …" - Timothy Leingang
12
"payments"
7 negative reviews mention this · 13% of all complaints
★★★★★ "service is okay, but app contents locks me out around payment time. which if you miss forces you to start paying interest. Terrible customer service and login system constantly has issues. Im using a S26 Ultra so not the phone either. make …" - Timothy Leingang
📋 All 55 negative reviews
Every 1-2★ review we fetched. Use the copy button to grab them all for your own analysis (paste into ChatGPT/Claude with a prompt like "summarize core user problems, group by theme, ignore bugs, focus on missing features").
They keep updating the app and it keeps getting worse. What's worse is when they make a mistake they will make you pay for it. Dont use the.
never received a notification stating that my bill was about to be due, only noticed because I checked the app at 1am on the due date, hurried up and payed the bill, but I got charged a thirty dollar late fee. wth? yall didn't send me any notice.
This entire company is trash. This trash app doesn't even allow you to screenshot the payment confirmation page. Synchrony bank is predatory. DO NOT USE THIS COMPANY.
New update made signing in impossible. Give phone number to receive link, click on link, return to app, app resets all progress, redo sign in, give phone number to receive link, and start again. Why?
I had this up for over like 5 years and they wanted to update there app but when I try and update it it says my phone can not support this app anymore not even the updated version like really .
watch out for $30 late fees for being just a couple days off
would not recommend this predatory service to anyone, no matter the emergency. they are not worth the headache. I'll never use this service ever again.
The latest update makes it impossible to make a payment via Android phone app. I am extremely disappointed with this app.
they actually suck now because it's synchronicity bank and them and PayPal don't allow me to pay my bills with a cash app visa card and won't accept my 8 digit routing number, so screw them, I'm not paying
they don't apply any payments you make towards invoices.they charge you interest and a payment security. you can't possibly catch up. I have not one payment since I got care credit go towards any principles or invoices. they just add it to interest and some other charge. I have been paying for over a year now and owe more than what I charged. do not fall into this trap. Sandra Woodside
Never again. Anything connected with Synchrony Bank..no good.
Worked great until the latest update. Now, I can't sign in because I don't know my account number, nor do I have any interest in looking for it. Uninstalled, will use the website instead.
Started with a $1,000 limit. Had a balance to pay for my pet's vet bills. They lowered my limit below my balance without notice. Paid the card off, and they closed it without a specific reason. Save yourself the headache and stay away from Synchrony as a whole. Nothing but negative experiences with them.
Terrible. Recieved ZERO warning about an account closure. I saw someone else have a similar problem to mine. If I have the money, freaking take it. Don't NOT take it and then blame and punish me. Never reapplying. Quite frankly, I probably won't get any credit again. I only got it to begin with because a loved one was actively dying..... Way to further ruin my already sour opinion about credit companies. Glad so many people haven't had an issue. But not me.
doesn't open to apply for credit
somehow got even worse
can't login
can't login
Never use this is a scam even if you schedule the payment they will still find a way to charge you a late fee by not taking the payment that day they will literally process the payment 2 days later
They reduce the credit limit by several thousands just as I was about to use it and cover other medical expenses, which also damaged the credit rating more while I was catching on things. And there's no way to contact for adjustments and reinstate it.
signing in with this new stupid verification system is awful. the prompt to put in my phone number for a one time verification keeps failing and tries to make me keep submitting selfies and my drivers license. ive been a loyal paying customer and never miss a beat but this is obtrusive. and if you cant get my number right on account why should I have to keep sending my drivers license and info just to sign in? I did click remember my device too after doing this stupid process the first time.
cant get past verifying my number
I keep having to do the identity bs and then not getting past that cause then the page I'm on goes back to create account or log in
I actually have a new updated review. I still feel the same but a new issue i had with these.... ppl. wait for it! I'm giving them my feedback first! DO NOT WASTE UR HARD EARNED MONEY APPLY/PAY ON THIS CARD. I'VE NEVER BEEN DELINQUENT W/ MY PAYMENTS BUT THEY CUT MY CREDIT LIMIT 3/4% FROM WHAT THEY LET ME HAVE! I'VE BEEN PAYING EVERY MONTH WAY OVER! I WAS WELL UNDER $200 LEFT. 2-3 MONTHS LATER AFTER PAYING ALL THAT I'M NOW OVER 200 DOLLARS ???DO NOT RECOMMEND THIS CARD. THEY'LL SCREW
has fees for having a fee. has a fee for a late charge, has a fee for having a charge, has a fee for interest occurred at 10%, a fee for making payments, has a fee for paying the card off. do not recommend.
Don't ever pay off this card in full. The moment you do, they close your account, take all the interest you paid them back, and claim you were too "unreliable" to pay them back - weird, cause I wasn't unreliable while I still owed you money 🤔 weird how it only happened AFTER I paid it all in full.
don't bother. Nothing is saved and it makes you re-enter everything every time.
Haven't been able to log in for a month now.
AVOID! Horrible, Horrible customer service &card in general.1st they lower $1500 limit to a laughable $250 due to inactivity. Its not my fault I never got sick! Then they say use it at stores for medical care. It got denied at WALMART, The pharmacy in there. I was trying to buy a diabetes test kit and it constantly got declined. I called, they said they put a lock on it do to not being used.Their customer service barely speak English. It never worked! They need class-action suit against them
Used to be easy to use, now they make you use your account number and direct you to log in anyway with an internet browser through the app EACH TIME. Literally easier to just sign in through the regular web page without the app, so that is what I will do instead of using.
Scam. 1st the update locked me out of my account. I couldn't see my bill online. I had auto pay set up. Then I went online and paid my full account balance off 989$. I got a confirmation text and email. I went to check my credit score after paying off the full balance. Not only have they lied about receiving the payment they reported my account and ruined my credit. They make it impossible to pay off my account and hit me several fees non of the fees are for a turn payment.
Since the update 01/26 I haven't been able to use the app. I get a message to start a new login but can't do anything with it. They charge nearly 40% interest for this card. Uninstalling & will close my card. Believe the reviews that say they lower your limit to just below your balance. I had a limit of $2,400, a balance of 227. With no explaination/reason, they dropped my limit to $250. Right after I paid it off in full, they increased my limit to $2700. Low scores=higher interest.
This app is very poor. It takes too long to process payments and has caused me to be late multiple times. Once this is paid off, I will not be keeping this app or card. I do not recommend it.
Every month, it's the same thing I have to try to sign in which takes multiple attempts and Then we finally get it settled new ID new password.And the next month\n It won't be accepted. I gotta go through that nonsense. All over again. And then they have the balls to charge me for late payments.
I regret having a care credit account. They reduced my credit limit and changed log in details without any notice. I haven't been able to successfully use it for what I needed it for. Also, accounts of a couple of my pals were closed without notice. Please beware of this company. Not worth it!!!
THIS WAS GREAT ON MY LAPTOP, RIGHT WHERE I NEED IT, WHERE I PAY MY BILLS, NOT FLOATING AROUND ON MY CELL PHONE!!!!!!!!! WHEN I SAY FLOATING I MEAN GOD FORBID I LOOSE IT!!!!!!! PLEASE PUT IT BACK THE WAY IT WAS SO I CAN KEEP IT ON MY LAPTOP.
Predatory lender, simply put. Avoid at all cost!
App no longer works for Samsung Z Flip 7, even after clearing data and uninstalling, then re-installing.
whats the point of an app if its not compatible with all cell phones.
predatory creditor. find fb review page "carecredit sucks" the auto system cut off many people. Synchrony is running care credit to the ground. The report shows I never missed a payment. I also made double payments monthly. CC suddenly closed my account after waiting 2 weeks to take 2 payments out and claim it defaulted. The report still shows ZERO late payments though. You cancel the contract for no real reason I cancel all future payments, per my terms and conditions. Cheers to 7 years.
Just get a normal credit card. They gave me a card, I used it twice, out of nowhere they started decreasing the credit limit to just above my balance (no notification), which shows as a 97% credit usage on my credit score (credit usage D rating). So now there's no way to use it, and I'm staring at a balance that seems to decrease as I pay it off, keeping my credit score low. The APR is way above average, despite the fact you can only use it for health issues. This should be illegal.
absolutely terrible customer service. They can and will terminate your account at any point in time, with zero appeal system in place. Just tell you to reapply.
not able to use with my device?????
THE MOST PREDATORY CREDIT COMPANY EVER. needed about $5000 in dental work done and was recommended care credit to pay. Thought their initial promotion was great, no interest for a year, but I was wrong. Got my balance down to $600 by the end of that first year. When the promotion expired, they dropped $3000 in interest, and continued to charge about 5x minimum pymnt due per month plus other fees. took everything I could to get out from underneath them, and customer support was no help at all.
Slow and charged me a late fee when I paid on time. I called and they said I was "eligible for a late fee wave". I should still be eligible for another one because it was purely the app. My minimum balance was $0 and after the late fee was applied, it showed only the late fee as the minimum. Use this purely for emergency purposes and pay it off immediately.
Not compatible with my phone? That's stupid.
This app is so secure, I can't even log on. It sends a verification link that generates an amazing circle emoji that just goes round and round. Provide more than one option to verify.
the app did not want to verify my identity while I was at the vet. so I wound up having to pay $500 at the vet instead of using my care credit i got approved for.
OMG the people that work at this bank are pure evil.. I've had this card for about idk 5 years now. Never missed a payment. They raised my apr to 40% EVIL! I PAYED AROUND 150.00 DOLLARS A MONTH THE PAST 12 MONTHS AS AGREED AND I DON'T EVEN HAVE 200.00 AVAILABLE RIGHT NOW. ABSOLUTELY HORRIBLE CUSTOMER SERVICE. some of the most awful people I've ever talked to. Bravo citi bank for giving it your all! BRAVO!
after clicked on activity it closes app and makes you sign in again. extremely frustrating and not letting you delete payment under activity.
+ 5 more in the clipboard copy
Sentiment summary
82%
Positive (4-5★)
2%
Neutral (3★)
16%
Negative (1-2★)