Back in 2006 I has laser eye surgery and financed it through GE Money Bank with a payment of $65 per month. I lost my job approximately 6 months after my surgery and called to make payment arrangements with them, They cut my payment in half, but what they did not tell me was that they charged me late fees on the half I was not paying.
Well, here it is May of 2010 and I owe more than $500 more than the original amount of $2000. They have charged me excessive late fees, over credit limit fees and 22.98% interest.
I called to settle this bill and we agreed to a settlement of $589. I split in 3 payments. The day before my last payment was due I called them to see if I could in any way change the payment date to the 13th instead of the settlement due to a work check being late. No problem is what they told me. I did not want this to affect my last payment.
I just got off the phone with them and they said because I was late the deal was off and I still owe them $2000.
All of the customer service is in India and frankly these people have major attitude and when I asked to speak with his supervisor who he had put me on hold with, he hung up on me.
I am sick of this company and taking them to court. This is beyond ridiculous.
No matter what ANYONE says about this company... DO NOT DEAL with them as they lie like a sleeping dog. The scamming liars... I am over them!!

I have posted this on Consumeraffairs.com, have filed a complaint with the BBB in El Paso Texas, and I'm just warming up!!

Like most folks, I didn't have dental insurance when I really needed it. I found an add in the yellow pages of dentists whom you could get credit through. I was accepted by GE Money Bank, for their Care Credit credit card. I had no complaints about GE/Care Credit until August of 09. My monthly bill came, and I see they are charging me a $39.99 late fee. I called them up, and asked why. (I pay my bills on line and have proof of when they are paid.) I say, I paid my bill on the due date, why the late fee? They told me that the due date does not matter if that due date falls on a Saturday or Sunday! That I needed to pay my bill Monday thru Friday. I told them I had never received notice of this policy change. They asked me how I paid my monthly bills, I told them that I pay on line. They say, it's stated on our web site that payments are only accepted Monday through Friday's. I say ok then, but isn't it the LAW to inform customers of policy changes through the mail prior to the due date, and what if I had made my payments through the mail, would I have had notice then? She said yes... LIER... On my monthly bill it states VERY CLEARLY "Payment due by 5pm Eastern on the date due" in big bold lettering! I did not point that out, as they said they would remove the late fee. Great, all is as should be.
Now, here come's my real complaint!!!
I just received my September bill. It show's my credit of $39.99, but now they want a minimum payment of $91.00. My usual payment is $76.00 per month. I go through my bill, all the figures add up correctly, so why the 15 dollar difference? So once again I call customer service. They send me over to an "EXSCALATION SPECIALIST" named JUSTIN. JUSTIN is a very NASTY little man. VERY rude, and acted like HE wanted to fight. JUSTIN told me that the $15.00 charge was for "THE ACT OF INCURRING A LATE CHARGE". I said hummm, nowhere on my bill does it state that I am getting charged for that "Act of incurring a late charge", the only thing I see is that my monthly payment went from 76.00 to 91.00. I then asked whom I should call on Tuesday. JUSTIN ask's why? I said that I wanted to speak with someone "higher up". JUSTIN then said, "THERE IS NO ONE HIGHER UP THAN
ME" and that "THERE WAS NO WAY I WOULD WIN THIS FIGHT".
Little does JUSTIN or GE MONEY BANK know! I'm like a dog with a bone and I won't give up this fight without a win!! I intend to write my state representatives, the Better Business Bureau, and President Obama! I also intend to write every consumer rip off web site I can find to voice my opinion about the unfair practices of GE Money Bank. Good luck to us all!! We will need it in our fights against GREEDY CORPORATE RIP OFF'S!!! POWER TO THE PEOPLE, WE’RE SICK OF BEING RIPPED OFF!!


Economic damage: $15.00 and many hours of MY wasted time with GE Money Bank.
MILLION'S of dollars ripped off from the American public who actually struggle to pay their bill's on time only to be charged bogus and unfounded fee's by creditors!


MY opinion as posted on the consumeraffairs.com website

I have had a ge money bank care credit account for 2 years now, i have made payments for those 2 years and have not seen my balance decrease. As a matter of fact i have seen an increase every month. When i called customer service i was told my promotion was over, i advised the rep that i was never told about a promotion period i was told i was on a fixed pay plan. He then said that my interest rate sky rocketed to 27% after promo period. Now my payments have gone from 130 to 150 to 185 and just today i saw that the payment is now 194 and i have not been late on the card. These terms and conditions were not explained to me when the card was signed for nor was i given a copy of my contract.

Our care credit account has been a pain in the neck since we got it. They did not send our first bill so immediately (6 weeks after the surgery) had added extra fees. Then to get all that cleared up took hours. We then paid the "payoff" balance with our tax return but suddenly the offer disappeared. There was now $60.00 left over. In the meantime I sent $20.00 toward that as I was too busy to argue at the time and I just found out that wasn't even accredited to my account and they added another $50.00+ of interest charges! Our bill is now $133.00@!!!

I will contact the medical provider and tell them to trash that company's pamphlet.