I had a line of credit with this company for major dental work. The credit line was $4000.00. I had not even used $1600.00 of my available credit and had made ever payment on time.
I went to my dentist office for continuation of my dental treatment plan. After the work had been finished they ran my Care Credit Card for payment only to find it was declined. I had no option other than to pay my portion of the treatment out of pocket that day and it was $342.00 (a nice chunk for most middle class families if you were not planning on spending that).
My provider attempted to contact the credit provider (which is a company that they refer and the only credit line they accept) only to be told they had no information and that I would have to contact their Card Services Division.
I paid my portion (ouch) and then contacted Card Services just to be informed that they have changed their lending criteria and that I am now a high credit risk. Note, that this was done without notification to me. I questioned this to be told that notification had been mailed out yesterday.
The original customer service rep. That I spoke with could not give me any details other than my account had been closed. I was transferred to what they refer to as an accelerated rep. This is when I was informed of the reasons my account had been closed. The topper was that the accelerated rep I spoke to named Channel was probably one of the rudest representatives that I have ever dealt with in ANY business situation.
If you are a user of Care Credit then I would highly suggest contacting them prior to any treatments to make sure that your credit line is available. I am now stuck in the middle of a major dental treatment plan that I am now going to be required to be paying straight out of my pocket for whatever my insurance does not cover. This is a frightening prospect as the going rate for a root canal in my area is $1000.00.
Care Credit customers beware!
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