CareCredit payments go online through the card issuer's website or mobile app, not through a separate healthcare portal
CareCredit is a credit card issued by Synchrony Bank, so you pay it the same way you would any other credit card — by logging into your Synchrony account online or using the Synchrony mobile app. You do not pay through your doctor's office, hospital, or the healthcare provider where you used the card. The payment goes directly to Synchrony, which then credits your CareCredit account.
You can make a payment any time after your statement closes, and payments are usually processed within one business day. If you are paying to avoid a late fee, check your statement for the due date — it appears on your monthly bill and in your online account.
Key Takeaways
- Log into your Synchrony account at synchronybank.com or use the Synchrony mobile app to pay your CareCredit balance.
- You can pay by bank transfer (ACH), debit card, or credit card, though paying with another credit card may trigger a cash advance fee.
- Payments post within one business day, so plan ahead if you are paying close to your due date.
- Setting up automatic payments through your Synchrony account prevents missed payments and late fees.
- If you cannot log in or do not have an online account yet, call Synchrony customer service at the number on the back of your card to make a payment by phone.
Setting up your Synchrony online account
If you have never logged into your CareCredit account online, you will need to register first. Go to synchronybank.com and select the option to register or create an account. You will need your CareCredit card number and the last four digits of your Social Security number to set up your login.
Once you are registered, you can log in anytime to view your balance, statement, and payment history. The online portal also shows your available credit and any promotional financing offers attached to your card.
Payment methods Synchrony accepts
Synchrony accepts three main payment methods for your CareCredit bill: bank account transfer (ACH), debit card, and credit card. Bank transfers are the most common and typically have no fee. Debit card payments also usually have no fee and post quickly.
Paying with another credit card is possible but not recommended — Synchrony treats it as a cash advance, which means you will pay a cash advance fee (usually 3 to 5 percent of the payment) plus interest starting when ready. If you are short on funds, a bank transfer from your checking account is a better option.
Making a one-time payment online
Log into your Synchrony account and look for the "Make a Payment" or "Pay Now" button, usually visible on your account dashboard. Select your payment method (bank account, debit card, or credit card), enter the amount you want to pay, and confirm the payment date.
You can pay any amount from the minimum payment up to your full balance. If you want to pay more than your current balance to avoid future interest, Synchrony will accept it and credit the overpayment to your account. Review the payment summary before you submit — once submitted, you cannot cancel it, though you can contact Synchrony if there is an error.
Setting up automatic payments
To avoid late payments, you can set up automatic payments through your Synchrony account. Choose whether you want to pay the minimum amount due, a fixed amount, or your full balance each month. You can also choose the payment date — most people select a date shortly after they receive their paycheck.
Automatic payments are deducted from your bank account on the date you choose. You can change or cancel automatic payments anytime through your online account, and Synchrony will send you a confirmation email each time a payment is processed.
Paying by phone if you cannot access your online account
If you do not have internet access or cannot log into your account, you can pay by phone. Call the customer service number on the back of your CareCredit card and speak to a representative. They can take a bank account or debit card payment over the phone.
Phone payments are processed the same way as online payments and usually post within one business day. Have your bank account or debit card information ready when you call, and ask for a confirmation number before you hang up.
What to do if your payment does not post
Payments typically post within one business day of submission. If more than two business days have passed and your payment has not shown up in your account, log back into Synchrony and check your payment history to see if it was processed. Sometimes a payment shows as "pending" for a day before it posts.
If the payment was submitted but never posted, or if you see an error, call Synchrony customer service with your confirmation number. They can investigate the payment and correct it if something went wrong. Keep your confirmation number and the date you made the payment so you have proof if there is a dispute.
Frequently Asked Questions
Can I pay my CareCredit bill through my bank's bill pay system?
Some banks allow you to send a check through their bill pay system to Synchrony, but this is slower and less reliable than paying directly through Synchrony's website or app. Direct payment through Synchrony is faster and gives you when ready confirmation that the payment was received.
What happens if I miss a payment?
If you miss your due date, Synchrony will charge a late fee (usually $25 to $35 depending on your card terms) and report the late payment to credit bureaus after 30 days. Your interest rate may also increase. If you realize you missed a payment, log into your account and pay as soon as possible to limit the damage.
Can I pay more than my balance to get a credit on my account?
Yes. Synchrony will accept a payment larger than your current balance and hold the overpayment as a credit toward future charges. This is useful if you want to prepay or if you made an extra payment by mistake. You can also request a refund of any credit balance by calling customer service.
Is there a fee to pay online?
No. Synchrony does not charge a fee for online payments made by bank transfer or debit card. Credit card payments may trigger a cash advance fee, so avoid that method unless you have no other option.
How do I know if my promotional financing period is still active?
Log into your Synchrony account and check your statement or account details — the promotional period and any remaining interest-free months will be listed there. If the promotional period ends and you still have a balance, interest will start accruing at your regular APR, so plan to pay off the balance before the period ends.