Log in to your CareCredit account through the CareCredit website or mobile app
To pay your CareCredit bill online, you first need to log in at creditcard.synchronybank.com or use the CareCredit mobile app (available on iOS and Android). On the website, click "Log In" in the top right corner and enter your username and password. If you don't have an online account yet, you'll need to set one up by clicking "Enroll Now" and providing your card number, date of birth, and Social Security number.
If you've forgotten your password, click "Forgot Password?" on the login page. Synchrony Bank will send you a reset link to the email address on file. The reset link expires after a set time, so check your email promptly. If you don't receive the email, check your spam folder or contact CareCredit customer service at the number on the back of your card.
Once you're logged in, you'll see your account dashboard showing your current balance, available credit, and payment due date. This is where you can make a one-time payment, set up automatic payments, or view your statement.
Key Takeaways
- You log in at creditcard.synchronybank.com or through the CareCredit mobile app using your username and password.
- If you don't have an online account, you can create one by enrolling with your card number, date of birth, and Social Security number.
- You can make a one-time payment, set up automatic monthly payments, or view your full statement after logging in.
- Payments made online typically post to your account within one to two business days.
- If you have trouble logging in, call the customer service number on the back of your card rather than trying to reset your password multiple times.
Making a one-time payment online
After you log in, look for the "Make a Payment" or "Pay Now" button on your dashboard. Click it and you'll be asked to choose your payment method. CareCredit accepts payments from a checking account (using your routing and account number), a savings account, or a debit card. You'll also see your current balance and can choose to pay the full amount, the minimum payment, or a custom amount.
Enter the payment amount and review the details before confirming. The system will show you when the payment will post — usually within one to two business days. Keep in mind that if your payment due date is within a few days, paying online may not prevent a late fee if the payment hasn't posted by the due date. If you're cutting it close, call customer service to confirm the payment will arrive in time.
After you submit your payment, you'll receive a confirmation number. Write this down or take a screenshot. If you need to dispute the payment later or confirm it went through, you'll have proof of the transaction.
Setting up automatic payments
If you want to stop logging in each month, you can set up automatic payments from your checking or savings account. Log in, find the "Automatic Payments" or "Recurring Payments" section, and click to set one up. You'll choose the payment amount (minimum payment, full statement balance, or a fixed dollar amount), the day of the month you want it to come out, and which bank account to pull from.
Automatic payments typically begin the month after you set them up. If you set one up on the 20th of the month for the 15th of each month, the first payment may not go out until the following month. Review your first statement to confirm the payment went through as expected.
You can change or cancel automatic payments at any time by logging back in and editing your payment settings. If you cancel a payment after it's already been processed, you'll need to contact customer service — you can't reverse it through the website.
What to do if you can't log in
If you're entering your password correctly but the system won't let you in, try clearing your browser's cache and cookies, then log in again. If you're using the mobile app, try uninstalling it and reinstalling the latest version from your phone's app store. Sometimes an outdated app version causes login problems.
If you still can't log in after trying these steps, call the customer service number on the back of your CareCredit card. A representative can verify your identity and either reset your account or help you pay over the phone. They can also tell you if your account has been locked due to multiple failed login attempts — this is a security feature that usually unlocks after 24 hours.
Viewing your statement and payment history online
Once logged in, you can view your current statement by clicking "Statements" or "Account Details." The statement shows your opening balance, all charges from the past month, any payments you made, fees, and your new balance. You can usually view statements from the past 12 to 24 months online.
Your payment history is also visible in your account — it shows every payment you've made, the date it posted, and the amount. This is useful if you need to confirm a payment went through or if you're disputing a charge. If you need a statement from more than two years ago, call customer service and they can mail or email it to you.
Paying by phone or mail if you prefer not to use the website
Not everyone wants to pay online. You can pay by phone by calling the number on the back of your card and speaking to a representative. They'll ask for your account number and the payment amount, and you can pay from a checking account, savings account, or debit card. Payments made by phone typically post within one to two business days, the same as online payments.
You can also pay by mail by sending a check to the address listed on your statement. Write your account number on the check and mail it to the address shown. Mail payments take longer to post — usually five to seven business days from the time Synchrony receives it — so don't rely on this method if your payment is due soon.
Some healthcare providers that offer CareCredit also allow you to pay your balance directly through their patient portal. Check with your provider to see if this option is available.
Understanding late payments and what happens if you miss a due date
Your payment due date appears on your statement and in your online account. If your payment doesn't post by that date, you'll be charged a late fee. The amount varies but typically ranges from $25 to $40 depending on your account and state. A late payment also appears on your credit report and can lower your credit score.
If you miss a payment by 30 days or more, CareCredit may report the account as delinquent to the credit bureaus. This stays on your credit report for seven years. If you're unable to make a payment by the due date, contact customer service before the date passes — they may be able to work out a payment plan or temporarily adjust your due date.
Frequently Asked Questions
How long does it take for an online payment to show up in my account?
Online payments typically post within one to two business days. Payments made on weekends or holidays may take longer. If you're paying close to your due date, call customer service to confirm the payment will arrive in time to avoid a late fee.
Can I pay my CareCredit bill from someone else's bank account?
No. The bank account you use to pay must be in your name. If someone else wants to help you pay, they can give you money and you can use your own account, or they can call customer service and pay over the phone using their debit card — the representative will apply the payment to your account.
What if I see a charge on my statement that I didn't authorize?
Log in and look for a "Dispute" or "Report a Problem" option next to the charge, or call customer service. You'll need to explain why you're disputing it. Synchrony will investigate and either remove the charge or explain why it's valid. This process usually takes 30 to 60 days.
Can I set up automatic payments for a specific dollar amount instead of my full balance?
Yes. When you set up automatic payments, you can choose to pay a fixed amount each month (like $100), the minimum payment, or your full statement balance. Choose whichever works best for your budget.
What happens if I pay more than I owe?
The extra amount becomes a credit on your account and will be applied to your next statement. You can also request that Synchrony refund the overpayment by calling customer service.