How to pay your CareCredit card balance
You can pay your CareCredit card through the CareCredit website, by phone, by mail, or through automatic payments from your bank account. The fastest method is online through your CareCredit account, which processes when ready. Phone payments take the same day if you call before the payment important date. Mail payments take 7 to 10 business days to reach CareCredit, so send them well before your due date to avoid late fees.
Your payment due date appears on your monthly statement and on your online account dashboard. CareCredit charges interest on unpaid balances unless you have a promotional financing offer (often 0% for a set period on medical, dental, or veterinary purchases). Once the promotional period ends, interest applies to any remaining balance at the card's standard rate, which varies by creditworthiness.
Key Takeaways
- Pay online through your CareCredit account for the fastest processing, or call the number on the back of your card to pay by phone the same day.
- Mail payments take 7 to 10 business days, so send them at least two weeks before your due date to avoid late charges.
- Set up automatic payments from your bank account through your CareCredit portal to may support you never miss a due date.
- If you have a promotional 0% financing offer, paying off the balance before the offer ends prevents interest from being added retroactively.
Paying online through your CareCredit account
Log in to your CareCredit account at creditcard.synchronybank.com or through the CareCredit mobile app. Click "Make a Payment" or "Pay Now" from your account dashboard. Enter the amount you want to pay — you can pay the full balance, the minimum payment, or any amount in between. Select your payment method: bank account (ACH transfer) or debit card.
If you choose bank account transfer, provide your routing number and account number. CareCredit will deduct the payment within one business day. If you use a debit card, the charge posts when ready. Review the payment amount and due date one more time before confirming. You will receive an on-screen confirmation and an email receipt with your transaction number.
Paying by phone
Call the customer service number on the back of your CareCredit card. A representative will verify your identity by asking for your card number and other account details. Tell them the amount you want to pay. You can pay from a checking or savings account (they will ask for your routing and account numbers) or from a debit card (they will ask for the card number and expiration date).
Phone payments process the same business day if you call before 8 p.m. Eastern Time. You will receive a confirmation number when ready. Write it down or ask the representative to email you a receipt. If you call after hours, your payment will process the next business day.
Paying by mail
Write a check or money order payable to Synchrony Bank (CareCredit's parent company). Include your CareCredit card number on the check. Mail it to the address shown on your statement under "Payment Address" — this address is different from the mailing address for disputes or correspondence, so use the exact address listed for payments.
Mail payments take 7 to 10 business days to arrive and be processed. To avoid a late fee, mail your payment at least two weeks before your due date. If you are close to your due date, use online or phone payment instead. Keep a copy of the check or the receipt from the post office for your records.
Setting up automatic payments
Log into your CareCredit account and select "Manage Automatic Payments" or "Autopay Settings." Choose whether you want to pay the full statement balance, the minimum payment, or a fixed amount each month. Select the date you want the payment to come out — most people choose a few days after payday to may support funds are available.
Provide your bank account information (routing and account number). CareCredit will deduct the payment automatically on your chosen date each month. You can change or cancel automatic payments at any time through your account. Even with autopay set up, check your statement each month to make sure the payment went through and the amount is correct.
Understanding promotional financing and when to pay
Many CareCredit purchases come with a promotional offer: 0% interest for 6, 12, 18, or 24 months, depending on the purchase amount and merchant. During this period, you only pay interest if you miss a payment. However, if you do not pay off the entire promotional balance by the end of the offer period, CareCredit charges interest on the remaining balance retroactively — meaning interest accrues back to the original purchase date, not just from the end of the promotion.
To avoid this surprise charge, calculate what you need to pay each month to clear the balance before the promotion ends. If the promotional period is 12 months and your balance is $1,200, you need to pay at least $100 per month. Set a reminder on your phone for the last day of the promotional period so you can make a final payment if needed.
What to do if you miss a payment
If your payment is late, CareCredit charges a late fee (the amount depends on your card terms, typically $25 to $40). A late payment also appears on your credit report and may increase your interest rate on future purchases. If you are more than 60 days late, CareCredit may freeze your account and prevent new purchases.
If you miss a payment, pay as soon as you can. Contact CareCredit customer service to ask whether they will waive the late fee — some representatives will remove one late fee per year if you have otherwise paid on time. If you are struggling to pay, ask about a hardship program or payment plan; CareCredit may be able to lower your interest rate or extend your due date temporarily.
Frequently Asked Questions
Can I pay my CareCredit card with a credit card?
No. CareCredit only accepts payments from bank accounts, debit cards, or checks. Paying with another credit card would count as a cash advance on that card and trigger fees and higher interest rates, so CareCredit blocks this method to protect you.
How do I know if my payment went through?
Log into your CareCredit account and check your account balance and payment history. Online and phone payments show a confirmation number when ready. Mail and automatic payments may take one to three business days to appear in your account. If a payment does not show up within that window, call customer service with your confirmation number or check number.
What happens if I pay more than my balance?
CareCredit will hold the overpayment as a credit on your account and explore it to your next statement. You can also request a refund by calling customer service, though this takes 7 to 10 business days. Most people leave small overpayments on account to cover the next month's interest or charges.
Can I change my payment due date?
Yes. Log into your account, go to "Account Settings" or "Billing," and select "Change Due Date." CareCredit allows you to move your due date to any day of the month. This is useful if your due date falls before payday or conflicts with other bills.
Is there a fee to pay my CareCredit card?
No. CareCredit does not charge a fee for making payments, regardless of the method you use. However, if you pay by phone using a third-party payment processor (not CareCredit's official line), that processor may charge a fee — always use the number on the back of your card to avoid this.