How to access your CareCredit account online
To log in to CareCredit, go to www.carecredit.com and click "Log In" in the upper right corner. You will need your username and password. If you do not have an online account yet, you can create one on the same page by clicking "Enroll Now" and entering your card number, date of birth, and Social Security number (last four digits).
Once you are logged in, you will see your account dashboard. This shows your current balance, available credit, recent transactions, and payment due date. From here you can make a one-time payment, set up automatic payments, view your statement, or update your contact information.
If you forget your password, click "Forgot Username or Password?" on the login page. CareCredit will ask you to verify your identity using your card number and date of birth, then send a reset link to your email address. Check your spam folder if you do not see it within a few minutes.
Key Takeaways
- Log in at www.carecredit.com with your username and password, or create an online account if you have not already.
- You can make a one-time payment, set up automatic payments, or view your statement balance and due date from your account dashboard.
- Payment methods include bank account transfer (ACH), debit card, or credit card, and most payments post within one business day.
- If you miss a payment, CareCredit reports it to credit bureaus and may charge a late fee, so setting up automatic payment reduces that risk.
Making a payment through your online account
After logging in, click "Make a Payment" on your dashboard. You will be asked to enter the amount you want to pay and choose your payment method. CareCredit accepts bank account transfers (ACH), debit cards, and credit cards. Bank transfers are free and usually post within one business day. Debit and credit card payments may carry a fee depending on your card issuer, though CareCredit itself does not charge a fee for card payments.
Enter your payment details and review the confirmation screen before submitting. CareCredit will show you the exact date the payment will post and your new balance after the payment clears. Keep this confirmation number for your records.
If you want to pay more than your minimum due, you can enter any amount up to your full balance. Paying above the minimum reduces the interest you owe if you carry a balance, since CareCredit charges interest on unpaid balances at rates that vary by promotion and card terms.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. Log in, click "Manage Automatic Payments," and choose whether you want to pay your full statement balance or a fixed amount each month. You can set the payment date to any day between the 1st and the 28th of the month.
CareCredit will pull the payment from your bank account on that date each month. You can change the amount, pause the payment, or cancel it at any time by logging back in. If your account is paid in full, the automatic payment will stop.
Automatic payments are especially useful if you are on a promotional financing plan (such as 0% interest for 12 months), because missing a payment can end the promotion and trigger a higher interest rate on your remaining balance.
What happens if you miss a payment
If your payment is not received by the due date shown on your statement, CareCredit will charge a late fee. The amount varies but is typically $25 to $35 for the first late payment. After 30 days past due, CareCredit reports the late payment to the three major credit bureaus (Equifax, Experian, and TransUnion), which will lower your credit score.
If you are on a promotional financing plan and miss a payment, the promotion ends immediately. Any remaining balance will be charged interest at the standard rate for your card, which can be 19% to 27% depending on your creditworthiness. This interest is applied retroactively to the original purchase date, not just going forward.
If your account reaches 60 days past due, CareCredit may freeze your card and prevent new charges. At 180 days past due, the account may be sent to a collection agency, which will attempt to recover the debt and report the account to credit bureaus as a charge-off.
Troubleshooting login and payment problems
If you cannot log in, first check that you are using the correct username (which may be your email address or a custom username you created). If you are certain your username is correct, reset your password using the "Forgot Username or Password?" link. If you still cannot access your account, call CareCredit customer service at the number on the back of your card.
If a payment you made is not showing on your account, wait one business day. Payments submitted before 8 p.m. Eastern Time typically post the next business day. Payments submitted after 8 p.m. or on weekends may take two business days. If more than two business days have passed and the payment still does not appear, contact customer service with your confirmation number.
If you see a payment you did not make, or if your account shows unauthorized charges, contact CareCredit immediately. You have the right to dispute unauthorized transactions, and CareCredit will investigate and reverse fraudulent charges if they are confirmed.
Understanding your statement and balance
Your CareCredit statement shows your opening balance, all charges and payments made during the billing period, interest charged (if any), fees, and your closing balance. The statement also lists your minimum payment due and the date it is due. If you are on a promotional financing plan, the statement will show the end date of the promotion.
Your available credit is the difference between your credit limit and your current balance. For example, if your limit is $3,000 and you owe $1,200, you have $1,800 available to use. When you make a payment, your available credit increases by that amount.
Interest is charged only on balances you carry past the end of a billing cycle. If you pay your full statement balance by the due date, you will not be charged interest, even if you are not on a promotional plan. If you carry a balance, interest accrues daily at your card's annual percentage rate (APR).
Contacting CareCredit customer service
You can reach CareCredit customer service by phone, mail, or through your online account. The phone number is on the back of your card. Customer service hours are typically Monday through Friday, 8 a.m. to 9 p.m. Eastern Time, and Saturday 9 a.m. to 6 p.m. Eastern Time. Wait times are usually shorter early in the morning or mid-week.
When you call, have your card number and a recent statement ready. Customer service can help you with payment arrangements, questions about your balance, disputes, or account changes. If you need to mail a payment, the address is on your statement.
You can also message CareCredit through your online account. Log in, click "Contact Us," and choose "Send a Message." Responses typically arrive within one to two business days.
Frequently Asked Questions
Can I pay my CareCredit bill by phone?
Yes. Call the number on the back of your card and a customer service representative will process your payment over the phone. You will need your bank account or debit card information ready. Payments made by phone post within one business day.
What is the difference between my statement balance and my current balance?
Your statement balance is what you owed at the end of your last billing cycle. Your current balance includes any charges or payments made since then. You only owe interest on balances you carry past your due date, so paying your statement balance by the due date stops interest from accruing.
If I pay more than the minimum, does it go toward my oldest debt first?
Yes. CareCredit applies payments above the minimum to your oldest balance first. If you have multiple purchases at different interest rates, paying above the minimum helps you clear the highest-interest debt faster.
Can I change my payment due date?
You can request a due date change by calling customer service or through your online account. CareCredit will usually honor a request to move your due date by a few days, though the exact flexibility depends on your account status. A new due date typically takes effect on your next statement.
What happens to my promotional financing if I make a late payment?
The promotional rate ends immediately, and any remaining balance is charged interest at your card's standard APR. This interest is applied retroactively to the original purchase date. For example, if you had 0% for 12 months and miss a payment in month 6, you will owe interest on the full amount from the purchase date, not just from month 7 forward.