A CareCredit payment can be made online, by phone or by overnight delivery to a special payment address, as noted on the CareCredit website. As of 2015, the company does not accept credit card payments, and CareCredit payments cannot be made in person or directly to a healthcare provider.
To make an online payment, CareCredit cardholders can sign in to their accounts at the CareCredit portal. To make a payment by phone, cardholders can call (866) 893-7864. A checking account number and bank routing number are required to make a phone payment, and a fee is charged if the caller requires live assistance from a customer service representative, as stated on the CareCredit website. To make an overnight CareCredit payment, cardholders can send a check to Overnight Payment Synchrony Bank, 140 Wekiva Springs Road, Longwood, Florida 32779.
CareCredit provides cardholders with special no-interest promotions for health, wellness and beauty services that are not available through MasterCard or Visa. The company advises that the full amount due must be paid by the end of the promotional period, or interest will be charged from the date of purchase. The card is designed to help cardholders pay the out-of-pocket healthcare costs that are not covered by health insurance plans. As of 2015, special healthcare financing options for amounts of $1,000 or more are available through CareCredit at a 14.9 percent APR in plans that can be fit into payment periods of 24, 36 or 48 months. Healthcare purchases of $2,500 or more can be fit into a 60-month payment period.