If you’re looking for a convenient way to pay for your health and wellness needs, look no further than CareCredit. This health and wellness credit card is accepted at over 260,000+ providers nationwide, covering a wide range of treatments and procedures. From LASIK and Vision Care to Cosmetic and Dermatology Procedures, Dentistry, Veterinary, Hearing Care, and more, CareCredit has got you covered.
What Can You Use CareCredit for?
With your CareCredit credit card, you can access a variety of healthcare services at over 260,000+ locations nationwide. Whether you need LASIK, veterinary care, dentistry, cosmetic surgery, hearing care, or other treatments, CareCredit has you covered. The best part is that once you have CareCredit, you can use it over and over again without reapplying, as long as you have available credit. Check out our locator to find the locations near you where you can use your CareCredit credit card.
Where Can You Use Your CareCredit Credit Card?
The CareCredit credit card is accepted at hundreds of thousands of locations, including partners like Walgreens, Walmart®, and Sam’s Club*. Finding a doctor or business in your area that takes CareCredit is easy with our convenient acceptance locator tool.
The Importance of CareCredit Certification
At CareCredit, we value the expertise and dedication of our enrolled providers. That’s why we have implemented a CareCredit Certification program. This program ensures that every CareCredit card applicant receives clear and easy-to-understand explanations of the financing options available. The Certification acknowledges the provider’s commitment to providing accurate information to their patients/clients, enabling them to make well-informed decisions about their care. Rest assured that our providers are up to date with the latest information, as the Certification is renewed every two years.
If you are a provider and want to become CareCredit Certified, visit ATICE.INFO to get started!
Adding an Authorized User to Your CareCredit Credit Card
Adding an authorized user to your CareCredit account is simple. Log into your account and click on Services > Authorized Users. Alternatively, you can call our Customer Care Center at (866) 893-7864 to add an authorized user over the phone.
Submitting a Customer Deceased Notification
If you need to submit a customer deceased notification, Synchrony offers an online option to notify the bank. This option aims to provide support during this difficult time. Upon receipt of your submission, the account record will be updated accordingly. We may reach out to the representative of the cardholder for any additional questions or information.
Prequalifying and Applying for a CareCredit Credit Card
To find out if you prequalify for a CareCredit credit card, simply use our quick and easy online prequalification process. You’ll receive a decision within seconds, and if you prequalify, you can confidently apply right away.
You can also apply over the phone by calling (800) 677-0718. Our automated system is available 24/7, or you can apply with a live agent between 9:00 am and 9:00 pm Eastern Time, Monday to Friday. Please note that applicants must be at least 21 years old to apply by phone (18 or older to apply). To proceed with a phone application, make sure to have a written copy of the credit card agreement, which can be printed from carecredit.com or obtained from your provider.
Alternatively, you can apply in person at over 260,000+ healthcare provider and select retail locations that accept CareCredit. Please note that we do not accept applications via fax or email.
Understanding Interest Rates on the CareCredit Credit Card
The standard Cardholder’s APR is 29.99%, but your account’s APR may vary. Existing cardholders should refer to their credit card agreement for specific terms. It’s important to note that for certain financing options, such as our “No interest if Paid in Full” promotions or our reduced APR special financing options, different interest rates and terms apply. Carefully review the details to ensure you make the best choice for your needs.
Applying with a Co-signer
If you choose to apply with a co-signer, both you and the co-signer will be jointly responsible for the account, including the charges of any authorized user. This means that both applicants share equal responsibility for repayments.
Clearing Up Confusion About Interest Rates
For our “No Interest if Paid in Full” promotional financing options, you can avoid paying interest on your promotional balance by paying it off before the promotional period ends. However, if the balance is not paid in full by the end of the promotional period, interest will be charged from the purchase date. It’s important to note that standard account terms apply to purchases made at some retailers where special financing options are not available.
For complete details about your CareCredit account, consult your Credit Card Account Agreement found within the application.
Prequalification: Your Fast Pass to CareCredit
Our prequalification process allows you to see if you’re likely to be approved for a CareCredit credit card without impacting your credit score. It’s a quick and easy way to find out if you’re eligible for our financing options. Please note that if you decide to proceed with the full application after prequalification, a hard inquiry will be made on your credit report.
Understanding Soft and Hard Inquiries
Soft inquiries occur when lenders consider you for prequalified credit offers. These inquiries are only visible to you and your credit bureau and do not affect your credit score. On the other hand, hard inquiries typically happen when you apply for a credit card, mortgage, or other loans. Other lenders can see these inquiries, and they may affect your credit score.
Prequalified Offers: Not Guaranteed, But Highly Likely
While prequalified offers are not guaranteed, they indicate a high likelihood of approval. However, to receive final approval, you’ll need to complete a full application, which will result in a hard inquiry on your credit report.
Validity of Prequalification Offers
A prequalification offer is valid for the current browser session only. If you need to access it again later, you can submit a new prequalification request. It’s important to note that you can’t search or retrieve previous prequalification offers.
What If You Don’t Prequalify?
If you don’t receive an offer to apply, you can consider applying with a joint applicant. This allows you to apply jointly for credit, and if approved, both applicants will receive a CareCredit credit card and be jointly responsible for the account.
How to Prequalify for CareCredit
The prequalification process is simple and hassle-free! Just follow these steps:
- Click “Check Now” to start the prequalification process.
- Provide the requested information.
- Find out if you prequalify.
- If you receive an offer, make sure to apply during the same browser session for a seamless experience.
Please note that prequalification is currently only available online. However, you can apply over the phone by calling (800) 677-0718, or in person at any provider office. Applicants must be 21 years or older to apply by phone, and 18 years or older to apply.
Making Online Payments to Your Doctor or Provider
Paying your outstanding healthcare bills online is a breeze with CareCredit. Whether it’s a recent visit to the dentist, your pet’s vaccinations, or your sister’s LASIK treatment, you can easily pay on time using your CareCredit credit card. Just make an online payment to your provider and enjoy peace of mind.
Receiving Your First CareCredit Bill
After making a purchase with your CareCredit card, you can expect to receive your first billing statement within 30 days. Keep an eye out for it to ensure you stay on top of your payments.
Learning About Your Provider’s CareCredit Promotions
While CareCredit offers a range of promotional financing options, not all providers offer all of these options. To find out which promotions are available at your healthcare providers, we recommend checking with them directly.
Paying a Portion of the Treatment Cost Yourself
Yes, you can use your CareCredit health and wellness credit card to pay for treatment balances from $1 up to your available credit line. This flexibility allows you to manage your healthcare expenses effectively.
Paying for Multiple Procedures with CareCredit
With your CareCredit credit card, you can easily pay for multiple procedures. Simply choose the services you want to pay for using CareCredit, and you will be billed accordingly.
Your CareCredit Credit Card: Never Expires (As Long As You Keep It Active)
Your CareCredit credit card has an expiration date printed on it, but as long as your account remains in good standing, you will receive a replacement card before the expiration date. Using your card at least once a year will help keep your account active and ensure uninterrupted access to the benefits of CareCredit.
Using CareCredit Online
Searching for enrolled healthcare providers who accept CareCredit online is easy. Simply use our network of over 260,000+ providers and select the one you wish to pay. Follow the prompts, and both you and your provider will receive a confirmation email once the payment is complete. Visit ATICE.INFO for more information.
Increasing Your CareCredit Credit Card Limit
To request a credit limit increase on your CareCredit account, contact our team of credit specialists at (866) 893-7864. They will review your needs and assist you accordingly.
Reporting Fraud or Identity Theft
If you suspect that you have become a victim of fraud or identity theft, it’s crucial to take immediate action. The faster you respond, the quicker the issue can be resolved.
Contact Synchrony at 1-866-834-3205 to alert them about your concerns. A dedicated team member will guide you through the process and assist you in opening a claim. You may receive a Fraud Investigation Form to gather relevant information and provide necessary documentation. Be sure to return the form to Synchrony promptly via email or fax to protect your rights and expedite the handling of your claim. Rest assured that our team conducts thorough investigations to reach a resolution, which typically takes around 60 days.
What Happens After Reporting Fraud on Your Synchrony Account?
Once you report fraudulent charges on your Synchrony account, a claim will be opened, and an investigator will be assigned to your case. During the investigation, a temporary credit will be applied to your account for fraudulent charges, and you will remain responsible for payment on any non-fraudulent transactions. Depending on the type of claim filed, a Fraud Investigation Form may be required. Return the form to Synchrony via mail or fax to ensure a smooth claims process. After reviewing the documents, you will receive a letter with the outcome of the investigation. Please note that fraud investigations may take up to 90 days to complete due to the thoroughness and complexity of the process.
Remember, CareCredit is here to assist you with all your health and wellness financing needs. With our easy-to-use credit card and wide acceptance network, taking care of your health has never been more convenient. Visit ATICE.INFO to learn more about CareCredit and how it can benefit you and your loved ones.
*Subject to credit approval. Minimum monthly payments required. Not all promotional financing options are available at all enrolled providers. Ask yours for details. Promotional financing options are not available at all retail locations that accept CareCredit, and standard account terms will apply to such purchases.
*In-store/in-club only. Promo financing not available. Other restrictions apply. Walgreens: For details, visit carecredit.com/walgreens. Walmart: Select merchandise only. For details, see carecredit.com/walmart. Sam’s Club: For details, see carecredit.com/samsclub. Select merchandise only.