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Billionaire Banks Found a New Way To Trap You In Debt

More Perfect Union | May 9, 2026



Shady companies are now offering people “medical credit cards” to pay for procedures they can’t afford.

These cards from companies like Synchrony’s CareCredit can end up trapping people in medical debt.

One patient compared it to signing their life away.
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Written by More Perfect Union

Comments

This post currently has 42 comments.

  1. @Jennybean-d8f

    May 9, 2026 at 8:43 am

    They got me at the vet when my dog broke his leg during an ice storm. I was an absolute wreck and they were telling me that he;d need surgeries and that normal bone re-setting wouldn't do.
    I'm not going to be able to pay off the charges within 12 months. I'm going to get fucked with that 31% APR.

  2. @Bloopgirl87

    May 9, 2026 at 8:43 am

    I have a lot of health issues and fell for this scam. Years later I'm still paying off all my medical debt and my credits been ruined. I live paycheck to paycheck. I feel like I've been scammed out of the American dream.

  3. @RolandMyersonFinance

    May 9, 2026 at 8:43 am

    the part about CareCredit being offered right at the dental chair is the whole game – you're in pain, you're stressed, and they hand you a 26% APR card disguised as a payment plan. deferred interest is one of the nastiest tricks in consumer finance.

  4. @MikeyLovesLife

    May 9, 2026 at 8:43 am

    Something to consider: If you are in an area with a major university, dental school then consider going there for treatment. I saved thousands of dollars on a major crown and bridge procedure a few years ago by going this route. If you do not have the funds to afford it then use an exsisting credit card.
    Avoid these medical/dental credit cards that are out there.

  5. @terryjohnson3479

    May 9, 2026 at 8:43 am

    I was offered an interest free credit card when I hade my cataract surgery and wanted better treatment that Medicare didn't pay for. My part was $8000 and I got a 36 month interest free card and set up auto pay of 250/ month so it's paid off in 32 months, No fees, no interest. I did the same when i bought new house windows and the dealer set up a Synchronicity interest free card for 24 months and I set it up on auto pay and again no fees, no interest. Credit is only good if you use it responsibly. Sure I was issued a credit card but as soon as the interest free loan was paid I cancelled the cards. Just because you have a credit card you don't have to use it.

  6. @BeanoCake

    May 9, 2026 at 8:43 am

    Care Credit is available in vet hospitals too, I worked at an emergency vet. One of the most predatory things I’ve had to do is talk to people in crisis over their pets to sign them up for the card because they couldn’t afford the exorbitant costs. It’s horrible.

  7. @SamSmall.v

    May 9, 2026 at 8:43 am

    Care credit is great when you need to make payments with no interest. It works well especially if you have pets who are sick. Sorry for those who were tricked. This card was helpful for me

  8. @SilveredRaven

    May 9, 2026 at 8:43 am

    Time to sue the doctors until they don't have a practice anymore! Wanna know why? Because if you PUNISH THEM, THE REST WILL STOP DOING THE ILLEGAL PRACTICE.

  9. @BigBri550

    May 9, 2026 at 8:43 am

    Revolving credit debt is nothing new, folks. The only thing that has changed is healthcare itself: it is no longer healthcare.

  10. @_emanon

    May 9, 2026 at 8:43 am

    had Care credit. had to use care credit to pay for emergency dentistry, but kept it around for mostly emergency vet visits. It's useful if you're smart with it.

  11. @pete379exhd2010

    May 9, 2026 at 8:43 am

    I mean doesn't this come back around to insurance companies that get billions in subsidies every fucking year to deny claims? Yet I pay $800 a month for insurance and have a 15000 out of pocket max every fucking year so it comes out to 20k of my own money I pay and then still have to pay the bills before hand

  12. @mariamartin2400

    May 9, 2026 at 8:43 am

    I had a vet force me under duress to get carecredit and a payday loan or let my cat die🤬 I was getting paid that week and begged them for a promissory note with a good faith payment of a few hundred. They refused service unless I got the CC and loan.

  13. @AustinM-17

    May 9, 2026 at 8:43 am

    "In a perfect world, insurance should cover this."

    No, in most of the first world, insurance is already unnecessary. Keep pushing for universal healthcare. Don't settle for this.

Comments are closed.




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