# CareCredit Mobile — user reviews > 1,073 indexed App Store user reviews of CareCredit Mobile by Synchrony Financial, rated 4.80/5 from 62,796 ratings. - Source: https://appshunter.io/ios/app/carecredit-mobile/id1031312446/reviews - App overview in markdown: https://appshunter.io/ios/app/carecredit-mobile/id1031312446.md - Rating breakdown: 5★ 55,091 · 4★ 5,865 · 3★ 553 · 2★ 226 · 1★ 1,061 ## What do users think of CareCredit Mobile? Overall sentiment: neutral **Pros** - 👍 Easy to use app - 🚀 Convenient for making payments - 💡 Helpful for emergency vet bills - 🚀 User-friendly interface - 💡 Useful for medical and dental expenses - 👍 Straightforward to track balances and payments **Cons** - 🐛 Buggy account activity tracking - 🔍 Lack of transparency in credit limit adjustments - 🔍 Confusing policies around missed/late payments - 🔍 Predatory lending practices reported - 🔍 Poor customer service experiences **Commonly reported bugs** - App not compatible with older iOS versions - Recurring issues with login and authentication - Inconsistent account balance updates **Most requested features** - Allow users to choose payment allocation - Improve notification settings and reduce spam - Add dispute/chargeback functionality in the app - Provide better communication around policy changes ## Newest reviews (13 of 1,073) ### 2/5 — The worse creditor ever don’t used them!!! *2026-08-20* The worse experience for me getting a care credit card .. I had a loan for $5500 my interest was no more then $30-60 I called in a few times because my min payments was like $30 i used to give $100 here and there’s and i wasn’t seeing my bal decrease i waited a couple years later i ask to add to my bal …the interest now $215 or little more and other fees besides payment process fee of $166 my loan was $11,000 the initial contract was $300 something a month I give $450 sometimes $500 and my account still shows up negative after a few days of good standards since i paid .I watch my account for random changes now this month i was charged a late fee even though I made a payment before the due date (Friday)and the due date was on a weekend (Sunday). I never dealt with a such company it seems like they are stealing money from people with their hidden fees I was getting charge for paper bill but opt out since I receive my care credit account . Now i see why a lot of providers stop taking care credit cards to many cons ! -this company making millions of consumers just by charging interest ### 4/5 — Quick *2026-08-15, version 6.5.2* App makes payments very easy. Still a bit iffy on navigating for info. ### 5/5 — Great App and credit card *2026-08-12, version 6.5.1* My dog recently transitioned and if it weren’t for Care Credit his health would have deteriorated much earlier. Knowing I had Care Credit aided me in making important decisions regarding my dog’s immediate needs. ### 5/5 — Care Credit *2026-08-11, version 6.5.1* Care Credit has enabled me to take care of needed dental work without incurring interest through a promotional program. It’s wonderful. ### 5/5 — Best credit card app *2026-08-11, version 6.5.0* This is by far the best app I have to manage my credit card. It’s extremely user friendly and easy to access any details I need. We need all credit cards to learn from this because some of them function like I’m trying to manage my MySpace account! ### 5/5 — Great App *2026-08-10, version 6.4.1* Very responsive user friendly ### 5/5 — Is a good app *2026-08-10, version 6.4.1* Good app ### 5/5 — Very Satisfied *2026-08-09, version 6.4.1* I absolutely love and appreciate Care Credit ! ### 5/5 — Great card *2026-08-09, version 6.4.1* Have had Care credit card for our dogs over through the years and with our dental bills, it’s great card to have on hand ### 5/5 — Awesome app *2026-08-08, version 6.4.1* The Care Credit App is very convenient and easy to use. ### 5/5 — Great App when credit is needed *2026-08-08, version 6.4.1* I’ve used Care Credit for years for hearing aids and dental financing. The app makes it so much easier to check balances and pay your bill. ### 5/5 — Great app! *2026-08-08, version 6.4.1* Clear and easy to use ### 4/5 — CareCredit *2026-08-08, version 6.4.1* It works nicely, although I’d like to be able to set up multiple ongoing payments at once instead of individually. ## Most critical reviews (10 lowest-rated) ### 1/5 — Bank sucks! *2026-08-20, version 6.5.2* Worst bank I have ever dealt with. Worst customer service. App is okay, but screw this bank and their stupid app. Money hungry, bank fraudsters! ### 1/5 — login system *2026-08-19, version 6.5.2* CareCredit is almost unusable now because they decided to change their login system to synchrony bank which can’t even handle its own clients much less another company, I can’t even log into this account because synchrony is so worthless I am getting pretty close to never using CareCredit again I am so sick of having my login break constantly. I have never in my life run into a company we’re putting in my actual username and password doesn’t work so often it is ridiculous couldn’t recommend this place to anyone anymore used to be able to ### 1/5 — Care credit *2026-08-18, version 6.5.2* Having a really hard time with the app. I’m not sure if it’s synchrony but I have had non stop problems where I make a payment and the money is takin out of my account and then says decline but they money is just gone. ### 1/5 — Feels almost like a legalized scam *2026-08-11, version 6.5.1* Feels Almost Like a Legalized Scam While I take responsibility for not informing myself thoroughly enough before signing the credit agreement, I believe the way this loan was presented was extremely misleading. The company takes plenty of time to explain and promote all the supposed benefits available to the customer. However, that same level of clarity and attention is absolutely not given when explaining the financial responsibilities and consequences of the agreement—particularly an interest rate that can reach almost 40%. In my experience, this extremely important information was presented in a way that made it very easy to overlook. When speaking with representatives at the time the loan was arranged, I was not clearly warned or verbally informed about just how significant the interest charges could become. Yes, as a customer, I had a responsibility to read and fully understand everything before signing. I accept that. But I also believe that a financial institution has a responsibility to make such significant terms clear and transparent, especially when dealing with people who may already be under financial and emotional pressure because they are trying to pay medical bills. Providing financing for medical expenses under these kinds of terms is, in my opinion, disgraceful. I strongly encourage anyone considering a loan from this company to think twice, read every single detail of the agreement, calculate exactly how much you could ultimately pay, and fully understand the interest rate before signing anything. I certainly wish I had. ### 1/5 — Still Happening — Terrible Login Experience *2026-08-11, version 6.5.1* This problem is still ongoing. The CareCredit/Synchrony app repeatedly refuses valid login credentials, fails to recognize the correct phone number for authentication, and then demands excessive identity verification. The same credentials may suddenly work again days later without anything changing on my end. This is an extremely frustrating and unreliable app experience. Deleting and reinstalling the app does not fix it. Synchrony needs to address the login and verification system instead of repeatedly locking legitimate customers out of their accounts. ### 1/5 — Zero review *2026-08-10, version 6.5.0* Listen up, everyone—never get this card made. There is no real customer care; you only get to speak to an AI, and it’s a complete waste of both time and money. They sell this card just to dupe people; I didn't even undergo the microneedling procedure, yet I keep receiving bills every day. 'U Skin Aesthetic' fools people by selling this card! Now, it looks like I’ll have to go to court. ### 1/5 — The totals don’t reflect the most recent transactions *2026-08-10, version 6.5.0* I paid twice in the same month on accident and it doesn’t have that next month payment paid I still need to make that payment even tho it has twice the amount of my money on separate transactions. ### 1/5 — Keep on changing me *2026-08-06, version 6.5.0* So I’m using this app but every time I pay it on time it keeps on charging me more money as a late fee but I pay it on time. ### 1/5 — Large percentage *2026-08-02, version 6.4.1* A very large percentage ### 1/5 — Don’t bother downloading the app *2026-07-30, version 6.4.1* This app never works. It’s been maybe a year since I’ve been able to use the actual app. I have a newer IPhone and I can NEVER get this app to work at all. I try to open it and get an error message EVERY SINGLE TIME! I have to use safari or call support to access my account. It’s ridiculous. Don’t bother downloading this app and taking up valuable space on your phone/device. ## Most praised reviews (10 highest-rated) ### 5/5 — The best credit option for health *2026-08-22, version 6.5.2* They make getting and using credit easy. The app is also very simple and detailed. There is no fishing around all of your information is easily found. ### 5/5 — Love you *2026-08-22, version 6.5.2* You are the greatest of all time. You are amazing. So spectacular. No one in the history of the world has ever been better. 10 out of 10. So rare, so special. Every company and every app should follow your example. A+ ### 5/5 — Easy and Convenient *2026-08-21, version 6.5.2* Saves time having the mobile app for payments and notifications. ### 5/5 — AMAZING RESOURCE *2026-08-21, version 6.5.2* I’m truly grateful for the opportunity to use CareCredit. It has been a valuable resource for helping me manage health related expenses and I really appreciate the promotional financing offers that have been available to me. My experience with CareCredit has been very positive. I’ve been happy with the credit limits I’ve received, the flexibility it provides and the overall level of service. Having access to this option gives me additional peace of mind when taking care of important health needs. I’m thankful to have CareCredit as a financial resource and have been very pleased with my experience. ### 5/5 — Easy to Navigate *2026-08-19, version 6.5.2* I’m new to Care Credit and I must admit I’m enjoying how everything is right at your finger tips. The app is extremely easy to navigate. ### 5/5 — Great site *2026-08-19, version 6.5.2* Awesome ### 5/5 — Very nice app *2026-08-18, version 6.5.2* I really enjoy the ease of using the app along with the features available. It is easy to navigate, get information and do whatever is needed to manage my accounts. ### 5/5 — Truly Convenient *2026-08-15, version 6.5.2* This is definitely a convenient app to have. It assists with locating everything health-wise for you and your pet regardless of where you are in the US. You can pay registered health care providers and much more. ### 5/5 — Good *2026-08-15, version 6.5.2* Love the app ### 5/5 — Concise, User friendly *2026-08-15, version 6.5.2* Easy to use and understand --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*