Making a CareCredit payment online or by phone
You can pay your CareCredit card balance through the CareCredit website, mobile app, or by calling their customer service line. The online portal and app both let you set up one-time payments or recurring automatic payments. Payments made online or through the app typically post within one business day. If you call to pay by phone, you'll need your card number and the amount you want to pay ready.
The CareCredit website is at carecredit.com. Log in with your username and password, then navigate to the payments section. You can pay from a checking account, savings account, or debit card. The mobile app offers the same payment options and is available on iOS and Android devices. To reach customer service by phone, call the number on the back of your CareCredit card.
Key Takeaways
- CareCredit payments can be made online at carecredit.com, through the mobile app, or by phone using the number on your card.
- Online and app payments typically post within one business day, while phone payments may take slightly longer depending on when you call.
- You can pay from a bank account or debit card, and you can set up automatic recurring payments if you prefer.
- Paying at least the minimum amount by the due date shown on your statement keeps your account in good standing.
Payment methods and timing
CareCredit accepts payments from checking accounts, savings accounts, and debit cards. When you pay online or through the app, the payment is processed when ready, though it may take one business day to show on your account. If you pay by phone, the timing depends on when you call — payments made during business hours are processed the same day, while those made after hours or on weekends are processed the next business day.
There is no fee for making a payment to CareCredit using any of these methods. If you use a third-party payment service or bill pay through your bank, make sure the payment is sent to the correct CareCredit address, which you can find on your statement or by calling customer service.
Setting up automatic payments
Automatic payments let you schedule recurring payments on a date you choose each month. You can set this up through the CareCredit website or app by selecting the autopay option and entering your bank account or debit card information. You can change or cancel automatic payments at any time through the same portal.
Automatic payments are useful if you want to make sure your payment posts by the due date without having to remember to pay manually each month. You can set the payment amount to your full balance, the minimum payment, or a custom amount. If your balance changes, you can adjust the autopay amount in your account settings.
What happens if you miss a payment
If your payment does not arrive by the due date shown on your statement, your account may be reported as late. A late payment can affect your credit score and may result in interest charges or fees, depending on your account terms. CareCredit will typically send you a notice if your payment is late.
If you miss a payment, contact CareCredit as soon as possible. Explain your situation and ask about your options. Some cardholders may be able to work out a payment plan or have a late fee waived if they have a good payment history. The sooner you contact them, the more options you may have.
Finding your due date and balance
Your due date and current balance appear on your monthly statement, which you can view online at carecredit.com or receive by mail. You can also see this information by logging into your account on the website or app. Your statement shows the minimum payment due, the full balance, and the date by which payment must arrive to avoid a late fee.
If you have a promotional financing offer (such as 0% interest for a set number of months), your statement will show the promotional period end date. Making payments during a promotional period does not end the offer, but failing to pay the full balance by the end of the promotional period may result in interest charges on the remaining balance.
Paying by mail
You can also mail a check or money order to CareCredit. The mailing address for payments appears on your statement. Mail payments take longer to process than online or phone payments — typically five to seven business days from the time CareCredit receives the envelope. To make sure your payment arrives by the due date, mail it at least one week early.
Include your account number or card number with your payment so CareCredit can match it to your account. Write the account number on the check or money order itself. If you are paying multiple accounts, send separate payments for each one.
Frequently Asked Questions
Can I pay my CareCredit card at a store or pharmacy?
No, CareCredit payments must be made directly to CareCredit through their website, app, phone line, or by mail. You cannot pay at the location where you received care or at a retail store. The only way to pay is through one of the methods listed on your statement or the CareCredit website.
What if I pay more than my balance?
If you pay more than your current balance, the extra amount becomes a credit on your account. You can use this credit toward future charges on the same card, or you can request a refund. Contact CareCredit to request a refund if you prefer not to carry a credit balance.
Is there a fee for paying online or by phone?
No, CareCredit does not charge a fee for online, app, or phone payments. However, if you use a third-party bill pay service through your bank, that service may charge a fee. Check with your bank before using their bill pay feature to pay CareCredit.
How do I know if my payment was received?
If you pay online or through the app, you will see a confirmation number when ready after submitting the payment. You can also log into your account to see your payment history and current balance. If you pay by phone or mail, contact CareCredit a few days later to confirm the payment posted to your account.