I checked my online statement today to find that ALL of my Promotional Purchases, 8 in total, have been terminated and $911 in interest was added to my account, and Care Credit's overseas, foreign Customer Service Department told me this is because I have two late payments in the past year. It appears that no matter how many times you make a payment in any given month, it is not applied to the next due date.
Example: I made 3 payments in May and the last payment on 5/29 was intended to pay Junes bill that was due by the 13th. I made another online payment June 14th. This actual payment in June is the only June payment Care Credit "applied" toward my June payment, and therefore I paid my bill 1 day late... Late charge. What should have happened, but I guess I didn't check the little calendar to pick the date, is the 5/29/09 payment was made on Friday, and 6/1 was Monday. I find it very hard to believe this payment cleared my bank the same day. Funny how the next "business day" is the 1st of the next month, and also was the same month's payment I intended the payment to be for.
Care Credit's overseas, foreign Customer Service told me there is no way to accept advance payments. My online account information states "To avoid finance charges on any deferred promotions, pay-off the initial purchase on or BEFORE the promotional expiration date." WAIT: their overseas, foreign Customer Service told me there is no way to accept advance payments, and if thats the case, how can you pay your promotional purchases off BEFORE the expiration date?
My supposed second late payment was in October and this supposedly terminated all my promotional purchases, so why was my January statement still reflecting them as active? Why did it take Care (not) Credit 5 months to terminate these promotions? The terminations did not appear until this billing cycle for the March payment.
When I call Customer Service I always seem to get a representative in India. I am sick and tired of trying to talk to some person in some foreign country, and when you ask to speak to someone in the US, they conveniently can't transfer you. I sincerely hope there are members of the news media, lawyers looking to file Class Action lawsuits, somebody looking at these complaints. I will more than gladly attempt to help fight the fight to get Care Credit put out of business.
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