The Smile Generation Credit Card Reviews: Is It Worth It? (2024)Reviews, rates, fees, and customer service info for The Smile Generation Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesQualify with fair creditNo rewardsHigh regular APR
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Smile Generation Credit Card has a rating of 2.5/5 according to our proprietary credit card rating system. This rating reflects how appealing Smile Generation Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Improve Credit by Paying in Full Each Month'. To break it down further, Smile Generation Credit Card earned a score of 5.0/5 for Fees, 0.0/5 for Rewards, 3.3/5 for Cost, and 3.0/5 for User Reviews. Info about The Smile Generation Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.0/5
15 reviewsRead and write reviews
Market Comparison
Market Comparison
2.5
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Improve Credit by Paying in Full Each Month” for this card.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.0
Market Comparison
2.5
fees: 5.0
rewards: 0.0
cost: 3.3
Other Features: 0.0
3.6WalletHub Rating
WalletHub Rating
3.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.6
Market Comparison
3.4
fees: 5.0
rewards: 0.0
cost: 3.3
Other Features: 4.5
2.9WalletHub Rating
WalletHub Rating
2.9
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Can't find what you are looking for? Submit your question about The Smile Generation Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
You can apply for Smile Generation Credit Card online, through the issuer's website. This way, you can easily access the credit card's application form and complete it at your own pace. You can also apply in person, at a Smile Generation dentist. Unfortunately, you cannot apply for this card over the phone.
How to Apply for Smile Generation Credit Card Online
Provide your mobile phone number, zip code, the last four digits of your SSN, and then select “Continue.”
Follow the instructions on screen to complete the application.
It's worth noting that Smile Generation Credit Card requires at least fair credit for approval. You can check your credit score for free on WalletHub if you don't know where you stand.
The Smile Generation Credit Card interest rate is 32.24% (V). This Smile Generation Credit Card interest rate is variable, meaning it can change based on certain economic conditions.
The Smile Generation Credit Card gives you a 25-day grace period to avoid paying interest on your purchases. The grace period runs from the end of the billing period until the card's payment due date. You won't owe any interest as long as you pay your balance in full during that timeframe. Should you decide to carry...
Share your insights and review for The Smile Generation Credit Card
5
20%
4
13%
3
13%
2
7%
1
47%
2.5
15 reviews
15 reviews
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Carissa Gross @Grosskid85
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1 Star Rating
The promotional options are great, but once they ended, I was charged an interest fee of $1,580 on a statement, and now I owe $3,280, and they are not willing to work with me. I will never use this company ever again.
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0
0
Rita Trevethan @baddogswelcome
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1 Star Rating
Tried to make a payment, but they only want access to a bank account. After having another corporation take more than they were supposed to, I will never give Corporate America access to my hard-earned money again.
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0
chelsea_laumen @chelsea_laumen
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1 Star Rating
Verified Customer
The smiles generation card APR is very high if you miss a payment. The automated system is strange to me, it asks for a lot of information then skips the prompt.
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0
labels_dutiful_0n @labels_dutiful_0n
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1 Star Rating
They trick you by making your minimum payments lower than the amount you should be paying to pay off the amount before the end of the promotional period. Then beware, they will charge you all the interest, including backdated interest! My bill is now twice almost 3 times what it was now that my promotional period is over. Use CareCredit instead.
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0
0
nivvi parjs @oceanusn
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1 Star Rating
Beware they will not send you a credit card which means you will never have your complete account number, meaning you can't access your account whatsoever! Trying to sign in online to see your account balance it's just not possible. I have another comenity credit card which I absolutely love, but the smile generation card is an absolute scam, not to mention the dentist that I went to affiliated with this card was a horrible horrible dentist. I could not recommend this card less, and I guarantee you it will mess up your payment history, because you can't even figure out how to pay the bill!
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0
Dakota @dakotas_15
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1 Star Rating
Verified Customer
Hate it it’s terrible and I’ve been lied to about 0 percent interest and also can’t pay the amount due to not getting the card in the mail
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0
0
rynhiggs @rynhiggs
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1 Star Rating
Predatory. Beware they trick you into using the card during the promotional/initial period then charge an unreal amount of interest without informing you that your payments are nearing the end. They know that they get people like me with busy lives and charge them $600 on a $1200 bill. They also have no customer service aid to help you out. I regret this account so much and I have paid dearly for it. Beware.
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1
0
Timothy A Lewis @tewis5806
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5 Star Rating
Verified Customer
No interest in a year. Plenty time to payoff before end of the year. Perfect for emergency use. This can pay for dental, eyeglass, hearing aid, vet, etc
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0
1
Jordan @jordanberry2014
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3 Star Rating
Verified Customer
A great CC to have for emergencies, and I didn’t have any interest for 24 months so that was a huge relief but they wouldn’t update my balance on my credit so I wasn’t rewarded as I needed to be!
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LaRue @laruecarruth
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5 Star Rating
Verified Customer
This is a dental credit card only.. I only use it when I go to the dentist.. it very helpful to pay for procedures after regular dental insurance pays.
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