Complaint / Review
Smart Certify Direct - Care Credit - CBT Direct
Student Loan Offer Turned Out to Be Care Credit Card at 26.99%

Hello all,
I had initially paid for a year of service with no problems, but in paying for an additional two years, I told them I couldn't afford it at the time. They came back and told me they could get me a student loan with a low monthly payment and low interest rate.

Well, I went ahead and signed for the loan. When I missed the first bill in the mail, (looked like a credit card offer) my interest rate immediately shot up to 26.99% and the only way to leave the default APR is to make ontime payments for a year. I've also received a card from the company with additional funds available.

The name of the credit company they used is Care Credit and the sales rep that scammed me into signing for this credit card was Greg Burnett. So everyone beware, Smart Certify will get you any loan they can and lie to you about what type it is just to get your money. Currently the interest each month is greater then the minimum payment.