How to access your CareCredit account online
To log into CareCredit, go to carecredit.com and click "Log In" in the top right corner. Enter your username and password, then click "Sign In". If you have not yet created an online account, you will need to set one up first using your card number, date of birth, and Social Security number — this takes about five minutes.
Once you are logged in, your dashboard shows your current balance, available credit, recent transactions, and payment due date. You can see which healthcare provider charged you and when each charge posted to your account.
If you forget your password, click "Forgot your password?" on the login page. CareCredit will send a reset link to the email address on file. If you do not have an email address registered, you can verify your identity using your card number and Social Security number instead.
Key Takeaways
- Log in at carecredit.com with your username and password, or create an account if you have not yet done so.
- You can make a one-time payment, set up automatic monthly payments, or pay in full from your account dashboard.
- Payments by bank transfer or debit card process immediately; credit card payments may take one business day.
- If you cannot log in, use the password reset link or verify your identity with your card number and Social Security number.
- You can also call CareCredit customer service at the number on the back of your card to make a payment over the phone.
Making a payment through your online account
After logging in, click "Make a Payment" on your dashboard. You will see your current balance and the minimum payment due. Choose whether you want to pay the full balance, the minimum, or a custom amount.
Select your payment method: bank account (ACH transfer), debit card, or credit card. If you are paying from a bank account, have your routing number and account number ready. Payments from a bank account process immediately and have no fee. Credit card and debit card payments also process right away but may take one business day to appear in your account.
Review the payment details, confirm the amount and date, then submit. You will receive a confirmation number on screen and an email receipt. Keep the confirmation number in case you need to reference the payment later.
Setting up automatic monthly payments
Automatic payments ensure you never miss a due date and can help you avoid late fees. From your dashboard, click "Manage Auto Pay" or "Set Up Auto Pay". Choose the amount you want to pay each month — you can select the minimum payment, a fixed dollar amount, or the full statement balance.
Pick your payment method and the day of the month you want the payment to come out. Most people choose a date shortly after they get paid. You can change or cancel automatic payments anytime by logging back in and adjusting your settings.
If your automatic payment fails — for example, because your bank account has insufficient funds — CareCredit will send you an email notification. You will have the chance to update your payment method or make a manual payment before a late fee is applied.
Payment methods and processing times
CareCredit accepts three payment methods, each with different processing speeds. Bank account transfers (ACH) process immediately with no fee and are the fastest option. Debit card payments also process immediately but may show a one-business-day delay in your account. Credit card payments process immediately but may take up to one business day to post.
Payments submitted before 11:59 p.m. Eastern Time are typically processed the same day. Payments submitted after midnight are processed the next business day. Weekends and federal holidays do not count as business days, so a payment submitted on Friday evening may not post until Monday.
If you are close to your due date and worried about timing, call CareCredit customer service to make a payment over the phone. A representative can process your payment immediately and confirm it has been received.
What to do if you cannot log in
If you see an error message when you try to log in, first check that you are using the correct username and password. Usernames are case-sensitive, so make sure Caps Lock is off. If you are still locked out, click "Forgot your password?" and follow the reset process.
If you do not have access to the email address on file, you can verify your identity another way. Click "Forgot your username?" and enter your card number, date of birth, and Social Security number. CareCredit will send a temporary password to the email on file, or you can call customer service to reset your account over the phone.
If you have tried these steps and still cannot access your account, contact CareCredit customer service. The phone number is on the back of your card. A representative can help you regain access and can also process a payment for you while you wait.
Paying by phone or mail if you prefer not to use the website
You do not have to use the online portal to pay CareCredit. Call the number on the back of your card to speak with a representative who can process a payment over the phone using your bank account, debit card, or credit card. This is useful if you are not comfortable entering payment information online or if you need immediate confirmation that your payment was received.
You can also mail a check or money order to the address shown on your statement. Write your account number on the check and mail it to the payment address listed on your bill. Mail payments take longer to process — typically five to seven business days — so send your payment early if your due date is approaching.
If you mail a payment, keep a copy of the check or money order for your records. Do not send cash through the mail.
Understanding your statement and due dates
Your CareCredit statement shows all charges from healthcare providers, any payments you have made, fees, and your current balance. The statement also lists your due date and minimum payment. If you have a promotional offer — such as zero percent interest for a set number of months — the statement will show when that offer expires.
Your due date is typically 25 days after your statement closes. If your due date falls on a weekend or holiday, payment is due the next business day. Late fees apply if your payment is not received by the due date, so logging in a few days early to schedule a payment gives you a buffer.
If you carry a balance beyond a promotional period, interest accrues on the remaining balance. The interest rate depends on your creditworthiness and the terms of your account. Paying more than the minimum each month reduces the total interest you pay.
Frequently Asked Questions
Can I pay CareCredit from my bank's bill pay system?
Some banks allow you to pay CareCredit through their bill pay service, but it is slower than paying directly through carecredit.com. Payments sent through bill pay are mailed as checks and take five to seven business days to arrive. If your due date is soon, pay directly online or call CareCredit instead.
What happens if my automatic payment fails?
CareCredit sends an email notification when an automatic payment fails. You have time to update your payment method or make a manual payment before a late fee is charged. Log in to your account and update your bank account or card information, or call customer service to retry the payment.
Can I split a payment between two different payment methods?
No, each payment must come from a single source. If you want to pay part of your balance from your bank account and part from a credit card, you will need to make two separate payments. Log in, make the first payment, then return to the dashboard and make the second payment.
Is there a fee to pay online?
No. CareCredit does not charge a fee for online payments, phone payments, or automatic payments. Paying by mail is also free, but takes longer. Credit card and debit card payments process immediately with no fee.
How do I know if my payment was received?
You receive a confirmation number on screen immediately after submitting a payment online. An email receipt is sent to the address on file within a few minutes. You can also log back into your account and check your transaction history to see the payment listed.