How to Pay Your CareCredit Card by Phone

Call CareCredit's payment line to pay by phone using your bank account or another CareCredit card

CareCredit's phone payment line is 1-800-677-0046. You can call this number to make a one-time payment toward your balance using a checking or savings account (ACH transfer) or by charging the payment to another CareCredit card. The line is available during business hours, typically Monday through Friday, 8 a.m. to 11 p.m. Eastern time, and Saturday 9 a.m. to 6 p.m. Eastern time. Wait times vary, especially during the first week of the month when many people pay bills.

Have your CareCredit card number and the amount you want to pay ready before you call. If you are paying from a bank account, you will also need your routing number and account number. The payment usually posts within one to two business days, though the exact timing depends on your bank and whether you call before or after the daily cutoff time (typically 5 p.m. Eastern).

Key Takeaways

• CareCredit's phone payment line is 1-800-677-0046, available Monday through Friday 8 a.m. to 11 p.m. Eastern and Saturday 9 a.m. to 6 p.m. Eastern.
• You can pay from a checking or savings account using your routing and account numbers, or charge the payment to another CareCredit card.
• Phone payments usually post within one to two business days, depending on your bank and the time of day you call.
• If you miss a payment deadline, call immediately to make a payment and ask whether a late fee has been applied — some can be waived if you pay right away.
• For recurring payments or to avoid phone wait times, you can also set up automatic payments through your online CareCredit account or the mobile app.

What information you need before calling

Gather these details so the call moves quickly and you do not have to hang up and call back. You will need your CareCredit card number (the 16-digit number on the front of your card or in your account). You will also need to know the exact amount you want to pay — whether that is the full balance, the minimum payment, or a partial payment toward what you owe.

If you are paying from a bank account, have your routing number and account number ready. These appear on the bottom left of your checks, or you can log into your bank's website or app to find them. If you are charging the payment to another CareCredit card, have that card number available instead. The representative will ask you to confirm the last four digits of the card you are paying from, so double-check that before you call.

How the payment is processed

When you call and provide your payment information, the representative enters it into CareCredit's system right away. The payment does not clear immediately — it goes into a queue and is processed overnight or the next business day. Most payments post within one to two business days, but the exact timing depends on your bank and the time you called.

If you call before the daily cutoff (usually 5 p.m. Eastern), your payment may process that same night. If you call after the cutoff or on a weekend, it will process the next business day. Payments made on Friday after 5 p.m. or on Saturday typically do not post until Monday. Once the payment posts, your available credit increases and your balance decreases — you can check this by logging into your account online or calling the automated balance line at 1-800-677-0046.

What to do if you cannot reach someone or the line is busy

CareCredit's phone line can have long wait times, especially during the first week of the month or on weekdays between 9 a.m. and 5 p.m. If you are on hold for more than 15 minutes, you have faster alternatives. Log into your CareCredit account at www.creditcarecard.com and make a payment online, or download the CareCredit mobile app and pay through there. Both routes process instantly and let you choose the payment date (though payments usually post within one to two business days regardless).

You can also set up automatic payments through your online account so you never have to call or log in again. Go to "Manage Account," then "Autopay," and choose whether to pay the full balance, the minimum payment, or a fixed amount each month. Automatic payments are deducted on the date you choose and post within one to two business days, just like phone payments.

Late payments and what happens if you miss the due date

CareCredit's due date is usually the 25th of each month, though it may vary depending on when you opened your account. If your payment does not post by the due date, a late fee is added to your balance — the amount varies but is typically $25 to $40. A late payment also reports to the credit bureaus and can lower your credit score.

If you realize you have missed the due date, call 1-800-677-0046 immediately and make a payment. Some representatives will waive a single late fee if you pay right away and have a clean payment history, though this is not may provide. The sooner you call and pay, the better your chances. If you are having trouble making the payment at all, ask the representative about hardship options — CareCredit sometimes offers temporary payment plans or interest rate reductions for customers in financial difficulty.

When to use phone payment versus other methods

Phone payment makes sense if you do not have internet access, prefer talking to a person, or want to confirm your payment went through before you hang up. It also works if you need to pay from a bank account and do not want to enter your routing number online. However, phone payment is slower than online or app payment if you are in a hurry — you have to wait on hold, and the payment still takes one to two business days to post.

If you want to pay immediately and avoid hold times, use the online portal or mobile app. If you want to set it and forget it, use automatic payments. If you are calling to discuss your balance, ask about hardship options, or report a problem with your account, phone is the right choice because you can talk to a representative who can look up your account details and help you solve the problem.

Frequently Asked Questions

Can I pay my CareCredit card over the phone with a credit card?

You can pay with another CareCredit card, but not with a Visa, Mastercard, or American Express. CareCredit does not accept credit card payments over the phone to prevent fraud and because it would create a cash advance fee on the card you are paying with. Your best option is to pay from a bank account or use the online portal to set up automatic payments.

What if I call to pay but the payment does not post?

Payments usually post within one to two business days. If more than two business days have passed and your balance has not changed, log into your account online to check the payment status, or call 1-800-677-0046 and ask a representative to look it up. If the payment was entered incorrectly or did not go through, they can resubmit it or help you try again.

Can I make a payment over the phone without giving my bank account number?

No, you need either a bank account (routing and account number) or another CareCredit card to pay by phone. If you do not want to share your bank details over the phone, use the online portal or mobile app instead — both use encrypted connections and are generally considered more secure for sensitive financial information.

Is there a fee for paying by phone?

No, CareCredit does not charge a fee for phone payments. However, if your payment is late, a late fee will be added to your balance. Paying on time avoids this fee entirely.

Can I schedule a payment for a future date when I call?

Most representatives will only process payments for the current date or the next business day. To schedule a payment weeks in advance, use the online portal or mobile app, where you can choose any future date. Alternatively, set up automatic payments so the same amount is deducted on the same date every month.