Online: Log in to your online account and click on the CareCredit Credit Card to see its balance.
By Phone: Call (866) 893-7864 and follow the prompts to have the automated system read your current balance.
By App: Log in to the CareCredit app. Your credit card balance will be shown on the home screen.
It’s always a good idea to keep an eye on your CareCredit Credit Card balance. If your balance seems higher than it should be, take a moment to look over your recent transactions for anything out of the ordinary.
The CareCredit Credit Card minimum payment is $29 or 3.25% of the new balance – whichever is higher. More specifically, the CareCredit Credit Card minimum payment is the greater of:
3.25% of the new balance shown on your billing statement
The statement balance, if it’s less than $29
1% of the statement balance, plus fees, past-due amounts, and interest… read full answer
The minimum payment is the smallest amount you’re obligated to pay by the due date for your CareCredit Credit Card account to be in good standing. Failure to pay by the due date may result in a late fee (up to $41). Your credit score will also take a hit if you miss multiple minimum payments.
You can request a CareCredit Credit Card credit limit increase by calling customer service at (866) 893-7864. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income Synchrony has on file. Synchrony will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.… read full answer
Impact of a CareCredit Credit Card Credit Limit Increase on Your Credit Score
When you request a CareCredit Credit Card credit limit increase, Synchrony will conduct a soft pull of your credit report, which does not affect your credit score. However, some CareCredit Credit Card credit limit increase requests may involve a hard pull, which will cause a short-term dip in your credit score. Synchrony cannot do a hard pull without your permission.
Alternatively, you could be eligible for a CareCredit Credit Card credit limit increase without even requesting one. The CareCredit Credit Card card may offer an automatic credit limit increase if Synchrony’s regular review of your account shows a history of on-time payments and low debt. An automatic credit limit increase involves a soft pull, which does not affect your credit score.
You can use your CareCredit Credit Card in more than 225,000 healthcare providers in the U.S. You can also use your card to purchase pharmaceutical and health-related products at thousands of retailers and drugstore chains nationwide. This card is not backed by any major credit card network and only works at affiliated locations. To find the locations and providers near you that accept this card, go to the … read full answerCareCredit website, click on the “Find a Location” tab, and enter your city or zip code.
Where You Can Use Your CareCredit Credit Card
225,000 healthcare providers in the U.S.
Walmart (health, wellness and personal care items)
Sam’s Club (health, wellness and personal care items)
The CareCredit Credit Card helps individuals pay for healthcare expenses that aren’t covered by insurance. These cards differ from normal credit cards in terms of available financing options and how long you have to pay off the expenses. CareCredit Credit Card offers several financing options to cover costly medical expenses that may take longer to pay off than normal credit card purchases. For purchases of $200 or more, you can receive a 0% APR period of 6, 12, 18 or 24 months. But that's deferred interest; if you fail to make minimum monthly payments along the way, or you don’t pay off your full balance by the end of the 0% period, interest will be charged from the original purchase date.
The CareCredit Credit Card also has longer-term financing options with low fixed interest rates (rather than 0%) for purchases of $1,000 and up. Those have payoff periods of 24 or 60 months. The shorter the time period you choose, the lower your fixed interest rate will be. There are fixed monthly payments required until the amount has been paid in full.
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