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Manage Your AccountJust looking to make a payment?Skip login or registration and Pay as a Guest. Pay As Guest Call customer service at: (866) 893-7864We are available Monday through Sunday from 8:00am - 12 midnight (EST). Or mail it to:Synchrony Bank Overnight mail: Western Union:Send your payment via Western Union Please note: Payment by FSA/HSA or credit card is not available. Payments are also not accepted directly at your provider's office as well. If you think you are going to have to pay late, call us at (866) 893-7867 before the payment due date as we may be able to offer you choices that fit your needs. Account statements are mailed only after you have made your first purchase with your card. Once a charge has been processed, you will receive your first billing statement within 30 days. If your statement is late, call us at (866) 893-7864 to make sure your statement was mailed to the correct address. Making the minimum payment each month may not pay off your balance by the end of the promotional period. Download the App today:With the CareCredit Mobile App you can access your digital card, pay your bill, find enrolled providers and businesses that accept CareCredit, set alerts and pay your Provider invoice. Learn More Available on iOS and Android:
Download the App today:With the CareCredit Mobile App you can access your digital card, pay your bill, find enrolled providers and businesses that accept CareCredit, set alerts and pay your Provider invoice. Available Available Cardholder ResourcesDid you know that you can now have your statements delivered right to your inbox?As a valued CareCredit cardholder, we want to make it as easy as possible to update your account, view balances and make payments. Now you can view and manage your account online from the convenience of your computer, tablet or mobile phone. Learn More Pay your doctor or provider online — anytime, anywhereUse your CareCredit credit card to pay outstanding healthcare bills online. Whether it’s a recent visit to the dentist, your pet’s vaccinations or your sister’s LASIK treatment – CareCredit makes it easy for you to pay on time. Learn More Share your CareCredit storyWhile our account holders may come from diverse backgrounds with distinct reasons for applying, all CareCredit customers have one thing in common: They have discovered the peace of mind that comes with healthcare financing through CareCredit. Has CareCredit made a difference in your life, or the life of a loved one? Share Your Story ContactIf you would like to speak to a CareCredit representative to report a lost, misplaced, or stolen card, to review your needs, or assist you with credit increases: (866) 893-7864 Monday through Sunday from 8:00am - 12 midnight (EST). To add another authorized user to your account: How To Read Your StatementGet your statement within 30 days of first purchase.Watch the video to learn more. 1 How do I enroll in paperless billing?
2 How can I avoid interest charges?
3 How can I avoid late fees?
4 What is a deferred interest promotion and how does it work?
Click or roll over the numbered spots below and find out what each section of your CareCredit statement means.
Note: The sample provided is for illustrative purposes and does not reflect your actual account data. Using Credit WiselyGeneral Tips For Managing Credit Card DebtLike most credit cards, you must make your monthly payments on time and, if you miss a payment, you will incur a late fee. With CareCredit "No Interest if Paid In Full" promotional financing, you will be charged interest if you do not pay your promotional balance in full by the end of the promotional period. In order to make CareCredit successful for you and to avoid late fees and interest (on applicable promotional financing options), it is essential that you make your minimum monthly payment on time and pay off your balance by the end of the promotional period. 1 Pay on timeMake sure you pay your required minimum monthly payment on time. Late payments mean you will be charged late fees. 2 Never miss a paymentMissing payments can impact your credit rating. 3 Pay more than the minimumIf you cannot pay the full balance, think about paying half. If you cannot pay half, pay something -- but try to pay more than the minimum. If you just pay the minimum it may take a long time to pay off your debt, and you may pay lots of interest. If you find that you can never pay off what you have charged, re-evaluate your budget. 4 Pay your balance in full every monthIf you can afford it, paying your full balance every month will help you stay out of long-term debt while getting the convenience and benefits of using a credit card. 5 Check your monthly statementMake sure your statement reflects what you purchased. If something shows up that looks unfamiliar, call your credit card company immediately. 6 Maintain a low "Debt-to-Income-Ratio"Make sure you only take on debt you know you can repay. If your level of debt gets too high, it can affect your credit rating. Lenders often look at the ratio of your overall debt to your income to see if you can pay your bills and still borrow. How Interest is CalculatedCareCredit figures the interest charge on your account separately for each balance type. We do this by applying the daily rate to the daily balance for each day in the billing cycle. A separate daily balance is calculated for the following balance types, as applicable: purchases and balances subject to different interest rates or special promotions. This is how it works: 1 How to get the daily balanceWe take the starting balance each day, add any new charges and fees, and subtract any payments or credits. This gives us the daily balance. Debt cancellation fees, if any, and late payment fees are treated as new purchases. 2 How to get the daily interest amountWe multiply each daily balance by the daily rate that applies. 3 How to get the starting balance for the next dayWe add the daily interest amount in step 2 to the daily balance from step 1. 4 How to get the interest charge for the billing cycleWe add all the daily interest amounts that were charged during the billing cycle. We charge a minimum of $2.00 of interest in any billing cycle in which you owe interest. Interest, as calculated above, is added as applicable to each balance type. Minimum interest charges in excess of the calculated interest are treated as new purchases. For complete details of your account, including how interest is calculated, review the CareCredit account agreement found in your application. How do I access my synchrony account?First, log in at mysynchrony.com or through the MySynchrony Mobile App with your user name and password. You can then add or delete bank accounts by tapping the Profile menu and selecting Banking Information.
Where do I find my synchrony bank user ID?How To Retrieve a Forgotten Username or Password. Go to Synchrony Bank's online banking login page.. Below the normal fields for username and password are links that read “forgot username” or “password.” Click on the one that applies to you.. How do I use care credit before my card arrives?As soon as you're approved, it takes 7-10 business days to get the CareCredit Credit Card in the mail. The good news is the issuer will provide your credit card number instantly after approval. This way, you'll be able to use your card wherever it's accepted before actually receiving it in the mail.
How long does it take to get my synchrony card?Once the customer has been approved, the credit card will arrive within 5-7 business days.
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