We've compiled a list of frequently asked questions about CareCredit to help serve you better.
What is CareCredit?
CareCredit is a healthcare credit card designed for your health, and wellness needs. It's a way to pay for the costs of many treatments and procedures and allows you to make convenient monthly payments. CareCredit is accepted at over 225,000 providers nationwide for LASIK and Vision Care, Cosmetic and Dermatology Procedures, Dentistry, Veterinary, Hearing Care and other specialties. CareCredit is now also accepted at select retail locations.* For complete details of healthcare financing terms, please review the CareCredit account agreement within the application.
What can you use CareCredit credit card for?
Your CareCredit credit card can be used at over 225,000 locations nationwide for a variety of healthcare services including LASIK, veterinary, dentistry, cosmetic surgery, hearing care and more. Once you have CareCredit you can use it over and over (subject to credit approval) for you, your family, and even your pets - without reapplying, as long as you have available credit. Please visit our locator for the locations you can use your CareCredit credit card.
Where can I use my CareCredit credit card?
Use our convenient online tool to find a doctor or business type in your area. You can search by your doctor's name or business type or search by location.
What does it mean to have a CareCredit certification?
CareCredit has recently implemented a CareCredit Certification for enrolled Providers in an effort to ensure that every CareCredit card applicant is given a clear, easy-to-understand explanation of financing options available. This Certification acknowledges the Provider's dedication and knowledge in providing consistent and accurate information to their patients/clients, so the patient/client can make well-informed decisions about their care. This Certification is renewed every two years to help ensure that patients/clients are given the most current information.
If you are a Provider visit https://www.carecreditprovidercenter.com/portal/login to become CareCredit Certified!
How can I add an ized user to my CareCredit credit card?
An ized User can be added to your account by logging into your account and clicking on Services > ized Users. Also, an ized User can be added to your account by calling our Customer Care Center at (866) 893-7864.
How do I submit a customer deceased notification?
To assist during this difficult time, Synchrony offers an online deceased notification form option to provide the Bank with the notification of the passing of the cardholder. The account record will be updated upon receipt of your submission. 'We may reach back out to the Representative of the cardholder if there are any other additional questions.
How do I prequalify and apply for a CareCredit credit card?
The easiest and fastest way to see if you prequalify for CareCredit is to use this link. You will get the prequalification decision within seconds and, if you prequalify, you can apply right away, with confidence.
You can also apply over the phone, toll free, at (800) 677-0718. If you choose to call, you can use our automated system 24/7 or you can apply with a live agent between 9:00am-9:00pm Monday-Friday, Eastern Time. Applicants must be at least 21 years of age to apply by phone (must be 18 or older to apply). Applicants by phone must have written copy of the credit card agreement before proceeding, which can be printed from aisibeier.com or you can obtain from your provider.
In addition, you can apply in person at more than 250,000 healthcare provider and select retail locations that accept CareCredit. We do not accept applications via fax or email.
Why are there different interest rates on the CareCredit credit card application?
The standard Cardholder's APR is 26.99%. Your account's APR may be different. Existing cardholders should see their credit card agreement for applicable terms. The Minimum Interest Charge is $2.
Our No interest if Paid in Full Within 6, 12, 18 and 24 month financing options (sometimes called
Deferred Interest) let you pay for purchases of $200 or more with minimum monthly payments made throughout the duration of your promotional period. Interest accrues during the promotional period but will not be charged if you pay your balance in full by the end of the promotional period.*
Our Reduced APR special financing options of 24, 36, 48, and 60 months are for larger purchase amounts, letting you make monthly payments with a reduced, interest rate over the duration of your promotional period. Purchases of $1,000 or more may be eligible for a 24 months offer with a 14.90% APR, a 36 months offer with a 15.90% APR or a 48 months offer with a 16.90% APR. Purchases of $2,500 or more may be eligible for a 60 months offer with a 17.90% APR.
What happens if I apply with a co-signer?
Your joint-applicant is applying jointly with you for credit. If approved, the joint-applicant will also receive a CareCredit credit card and be jointly responsible for the account including the charges of any ized user.
My provider said I can
avoid paying interest, so why is there an interest rate listed on the application?
For Deferred Interest/No Interest if Paid in Full promotional financing options, no interest will be charged on your promotional balance if you pay your balance in full by the promotional due date. If your promotional purchase is not paid in full by the end of the promotional period, interest will be charged to your account from the purchase date. The CareCredit credit card is also accepted at some retailers where special financing options are not available. For those purchases, standard account terms apply.
For complete details on your CareCredit account, consult your Credit Card Account Agreement found within the application.
What does “prequalification” mean and what are the benefits?
Prequalification lets you know if you are likely to be approved for a CareCredit credit card. Plus, it’s quick and there’s no impact to your credit score to check. If you prequalify and then you apply, there will be a hard inquiry on your credit report.
Will prequalifying impact my credit score?
Submitting the prequalification form allows us to use your information to see if you’re likely to be approved with no impact to your credit score, but the prequalification process will result in a soft inquiry that will not impact your credit score.
What is the difference between a soft inquiry and a hard inquiry?
Soft inquiries usually occur when lenders are considering you for prequalified offers of credit. Only you and your credit bureau can see them on your credit report, and soft inquiries don’t affect your credit score. Hard inquiries typically occur when you apply for a credit card, mortgage or other loan. Other lenders can see hard inquires, and hard inquiries could affect your credit score.
Are prequalified offers guaranteed?
No, prequalified offers are not guaranteed. But, you are very likely to be approved. You’ll still need to complete a full application for final decision, which will result in a hard inquiry.
How long is my prequalification offer good for?
A prequalification offer is good for the current browser session only. After that, you can submit a new prequalification request. It is not possible to query or search for a previous prequalification offer.
What if I don’t prequalify?
If you don’t receive an offer to apply, you can consider applying with a joint applicant.
How does the prequalification process work?
The prequalification process is simple!
- Start the prequalification process by clicking “Check Now”.
- Enter all requested information.
- Find out if you prequalify.
- If you receive an offer, you must apply during the same browser session.
Can I prequalify over the phone?
Currently, prequalification is only available online. You can apply over the phone, toll free, at (800) 677-0718 or in person at a provider office (Must be 18 or older to apply, must be 21 or older to apply by phone).
Are there any additional actions needed to take after receiving the prequalification offer?
Yes, you’ll need to confirm you received the Terms and Conditions, accept the prequalification offer, and submit your application.
How do I pay my doctor or provider online?
Use 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. Make an online payment to your provider.
When will I receive my first CareCredit bill?
You will receive your first billing statement within 30 days of making a purchase with your card.
How can I find out about my providers CareCredit promotions?
Not all providers offer all promotional financing options so please check with your healthcare providers on which financing options they offer.
Can I pay a portion of the treatment cost myself and use CareCredit for the remainder?
Yes, you can use the CareCredit healthcare credit card for treatment balances from $1 up to your available credit line.
Can I pay for multiple procedures at one time with my CareCredit healthcare credit card?
Yes, when you use your card, you will be billed for those services you choose to pay for with CareCredit.
Does my CareCredit credit card expire?
No, like any other credit card, as long as you are in good standing and you have available credit, you can use your CareCredit healthcare credit card anywhere the card is accepted. It is important to use your card at least once a year, however, in order to keep your account active.
How do I use CareCredit online?
Search our network of 200K+ enrolled healthcare providers to see if your doctor or provider accepts CareCredit online. Choose the provider you wish to pay and follow the prompts. When complete, you will both receive a payment confirmation email. Pay your provider online now.
How can I increase my CareCredit credit card limit?
Contact our team of credit specialists at (866) 893-7864 to review your needs and assist you with a credit limit increase on your CareCredit account.
What do I do if I suspect I have become a victim of fraud or identity theft?
Take action as soon as you suspect an issue. The faster you respond, the faster the issue may be able to be resolved.
Contact Synchrony @ 1-866-834-3205 to alert us of your concern. A member of our team will assist you in gathering the necessary information to open a claim.
You may receive a Fraud Investigation Form within two weeks of notifying Synchrony that you have been victimized.
To protect your rights, it is very important that you return the Fraud Investigation Form to Synchrony via email or fax. Instructions will be included with the form.
Keep in mind the following can help expedite the handling of your claim:
- Identify which transactions were made by you and which were not, including the merchant name, transaction date and amount.
- The name of the person, if known, who made unized purchases on the account.
- Upon receipt of the form, our investigations team will review the documents.
- You can expect to receive a letter indicating the outcome of the investigation once a decision has been reached.
- We take great care to conduct a thorough investigation, which includes reviewing your information and gathering all necessary documentation.
- Resolution of claims typically takes 60 days.
What happens after I have reported fraud on my Synchrony account?
If you have reported fraudulent charges on your account, a claim will be opened and your account will be assigned an investigator. Additionally, the following is important to remember:
- A temporary credit will be applied to your account, pending the outcome of the Investigation.
- You are still responsible for payment on any non-fraudulent transactions made by you.
- Depending on the type of claim you file, a Fraud Investigation form may be required. If so, you will receive a Fraud Investigation Form within 2 weeks of notifying Synchrony of fraud charges on your account.
- It is important that you return the Fraud Investigation Form to Synchrony via mail or fax. Failure to return the form may affect your claim.
- Upon receipt of the form, an investigator will review the documents.
- You will receive a letter indicating the outcome of the investigation, once a decision is reached.
- Due to the time it takes to gather all the documents relevant to your claim, it may take up to 90 days to complete the fraud investigation.
* 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.