CareCredit's phone payment line is 1-800-677-0046
Call that number to pay your CareCredit bill over the phone using a debit card, checking account, or another credit card. The line is open during CareCredit's standard business hours, which vary by day — the automated system will tell you the current hours when you call. You will need your CareCredit account number and the payment method you want to use ready before you dial.
Phone payments process immediately, and you will receive a confirmation number at the end of the call. The payment itself typically posts to your account within one business day, though CareCredit's terms state it may take up to three business days depending on your bank.
If you are calling from outside the United States, check your CareCredit statement or the back of your card for the international phone number, as the 1-800 line may not work from abroad.
Key Takeaways
- CareCredit's phone payment number is 1-800-677-0046, and you can pay with a debit card, checking account, or another credit card.
- Phone payments process immediately and post to your account within one to three business days.
- You will need your CareCredit account number and payment method information before you call.
- If you miss a payment, CareCredit reports the missed payment to credit bureaus and may charge a late fee, which varies by your account terms.
- Paying over the phone is one option; you can also pay online through the CareCredit website or mobile app, or by mail.
What information you need to have ready
Before you call 1-800-677-0046, gather your CareCredit account number (found on your statement or card), the amount you want to pay, and the payment method you plan to use. If you are paying from a checking account, have your routing number and account number available. If you are using a debit or credit card, have the card number, expiration date, and CVV ready.
You should also know your billing address and the last four digits of your Social Security number, as the automated system may ask for these to verify your identity before connecting you to a representative or processing your payment.
How the phone payment process works step by step
When you call 1-800-677-0046, an automated system will greet you and ask you to enter your account number using your phone's keypad. The system will then verify your identity by asking for information like your billing zip code or the last four digits of your Social Security number. Once verified, you will be given options to pay, check your balance, or speak to a representative.
If you choose to pay, the system will ask you to enter the payment amount and select your payment method. You will then enter the details of your chosen payment method — card number and expiration date, or routing and account number for a checking account. The system will confirm the amount and payment method before processing, and you will receive a confirmation number when the payment is submitted.
If you run into trouble or want to speak to someone, you can request a representative at any point during the call. Wait times vary, especially during peak hours or near payment due dates.
When payments post and how to track them
CareCredit processes phone payments immediately, meaning the transaction is submitted right away. However, the payment does not show as posted to your account until one to three business days later, depending on your bank and the payment method you used. Payments made on a weekend or holiday may take longer to appear.
You can check whether your payment has posted by logging into your CareCredit account online, using the mobile app, or calling the customer service line. Your statement will also reflect the payment once it posts. If you need proof of payment immediately — for example, to show a healthcare provider that you have paid — the confirmation number from your phone call serves as your receipt.
Other ways to pay your CareCredit bill
Phone payment is one option, but CareCredit offers several other ways to pay. You can pay online through the CareCredit website by logging into your account and selecting the payment option, or use the CareCredit mobile app if you have it installed. Both online methods work 24 hours a day and show your payment posting status in real time.
You can also pay by mail by sending a check or money order to the address listed on your statement. Mail payments take longer to post — typically five to seven business days from the time CareCredit receives them — so send them early if you have a due date approaching. Some healthcare providers that accept CareCredit may also allow you to make payments directly through their office, though this varies by provider.
What happens if you miss a payment
If your CareCredit payment is not received by the due date shown on your statement, CareCredit will report the missed payment to the three major credit bureaus (Equifax, Experian, and TransUnion). A missed payment stays on your credit report for seven years and can lower your credit score. CareCredit may also charge a late fee; the amount depends on your account terms and is listed in your cardholder agreement.
If you miss a payment by 30 days or more, CareCredit may also reduce or close your credit line, making it unavailable for future medical purchases. If you are unable to make a payment on time, contact CareCredit as soon as possible — some accounts may have hardship options or payment plans available, though these are not may provide.
Troubleshooting common phone payment issues
If the automated system will not accept your account number, try entering it without spaces or dashes, exactly as it appears on your card or statement. If your identity verification fails, double-check that the information you are entering matches your account records — a zip code mismatch or incorrect Social Security number will block the process.
If your payment is rejected due to insufficient funds or an expired card, you will need to use a different payment method or contact CareCredit to resolve the issue before trying again. If you are having technical trouble with the phone line itself — such as poor connection or the system hanging up — try calling back after a few minutes, or use the online or mobile app payment option instead.
If you believe a payment was processed but does not appear on your account after three business days, contact CareCredit customer service at the same number to investigate. Have your confirmation number from the original call ready.
Frequently Asked Questions
Can I set up automatic payments by phone?
No, the phone line only processes one-time payments. To set up automatic recurring payments, you will need to use the CareCredit website or mobile app, where you can arrange for payments to be deducted automatically on a date you choose each month.
Is there a fee for paying by phone?
CareCredit does not charge a fee for phone payments. However, if you pay from a checking account and your bank charges a fee for debit transactions, that fee would come from your bank, not CareCredit.
What if I want to pay more than the minimum?
You can pay any amount up to your full balance when you call. The automated system will let you enter the exact amount you want to pay, or a representative can help you if you are unsure what to pay.
Can I get an extension on my due date by calling?
The phone payment line does not handle due date changes or extensions. If you need to discuss your due date or payment options, ask to speak to a representative during your call, or contact CareCredit customer service separately to discuss your account.
What if I paid by phone but the payment shows as pending?
Pending payments are normal and typically post within one to three business days. Check back after that window; if the payment still shows as pending, contact CareCredit with your confirmation number to confirm it was processed correctly.