Call CareCredit's payment line to make a payment over the phone
The fastest way to pay CareCredit by phone is to call their automated payment system at 1-866-773-5891. You will need your CareCredit card number, the amount you want to pay, and a bank account or debit card ready. The system accepts payments when ready and gives you a confirmation number on the call.
If you prefer to speak with a person instead of using the automated system, you can reach a customer service representative at the same number. Wait times vary depending on the time of day and how busy the line is. A representative can answer questions about your account, help you set up a payment plan, or process your payment while you are on the phone.
Payments made by phone are posted to your account within one business day. If you call after 11:59 p.m. Eastern Time, the payment will process the next business day. Weekends and holidays may delay posting by an additional day.
Key Takeaways
- Call 1-866-773-5891 to pay by phone using either the automated system or a live representative.
- Have your CareCredit card number and a bank account or debit card information ready before you call.
- Payments post within one business day, or the next business day if you call after 11:59 p.m. Eastern Time.
- The automated system is available 24 hours a day, but customer service hours may be limited depending on the time you call.
- You will receive a confirmation number when ready after your payment is processed.
What information you need before calling
Gather these details before you dial so the call moves quickly. You will need your CareCredit card number, which appears on the front of your physical card or in your online account. Have the exact payment amount ready — you can pay any amount from your minimum payment up to your full balance.
You will also need a way to pay: either a checking or savings account number with the routing number, or a debit card number with the expiration date and CVV. The system will not accept credit cards for payment. If you are paying from a bank account, have your account and routing numbers visible.
If you are calling on behalf of someone else, have their CareCredit card number and permission to discuss their account. CareCredit may ask security questions to verify you are authorized to make the payment.
How the automated payment system works
When you call 1-866-773-5891, you will hear a menu with options. Select the option for making a payment, and the system will ask you to enter your card number using your phone keypad. After you enter your card number, the system will read back your account balance and ask how much you want to pay.
Enter the payment amount, then choose your payment method — bank account or debit card. If you choose a bank account, enter your routing number and account number. If you choose a debit card, enter the card number, expiration date, and CVV. The system will confirm each piece of information as you enter it.
After you confirm all details, the system will process the payment and give you a confirmation number. Write down this number for your records. The call usually takes five to ten minutes from start to finish.
Speaking with a customer service representative
If the automated system does not work for your situation, or if you have questions about your account, ask to speak with a representative when you call. You may wait on hold, especially during business hours. Representatives can discuss payment plans, explain charges on your account, or help if you are having trouble with the automated system.
A representative can also help if you want to set up automatic recurring payments, which deduct a fixed amount from your bank account on the same day each month. This option is not available through the automated system. The representative will need your bank account information and the date you want the payment to come out each month.
Customer service hours vary, but representatives are typically available during standard business hours on weekdays. Call early in the morning or late in the afternoon to avoid peak wait times.
Timing and posting of phone payments
A payment you make by phone posts to your CareCredit account within one business day. If you call during business hours on a Monday, your payment will show in your account by Tuesday. If you call after 11:59 p.m. Eastern Time, or on a weekend or holiday, the payment will not process until the next business day and may take an additional day to post.
Your payment will reduce your balance when ready after it posts, which affects your available credit and your next minimum payment. If you are close to your due date, call early in the day to make sure your payment posts before the important date. Payments posted after your due date may result in a late fee, even if you called before the due date.
Keep your confirmation number until you see the payment appear in your account. If a payment does not post within two business days, call customer service with your confirmation number to investigate.
What to do if you cannot reach the payment line
If you call 1-866-773-5891 and the line is busy or you cannot get through, try calling again during off-peak hours — early morning or late evening. You can also make a payment online through your CareCredit account at www.creditcenter.com, by mail, or through automatic recurring payments set up with a representative.
If you are having technical trouble with the automated system — for example, if it will not accept your card number or keeps disconnecting — ask to speak with a representative. They can process your payment manually over the phone or help you troubleshoot the automated system.
If you have a dispute about a charge or need to discuss a payment arrangement, a representative can help in ways the automated system cannot. Do not hesitate to ask to speak with someone if you have questions.
Frequently Asked Questions
Can I pay my CareCredit bill by phone with a credit card?
No. The phone payment system accepts only bank accounts and debit cards. If you want to pay with a credit card, you can pay online at www.creditcenter.com or by mail. Paying with another credit card may also trigger a cash advance fee from that card's issuer.
What time should I call to avoid waiting on hold?
Call early in the morning, around 8 a.m. to 9 a.m. Eastern Time, or late in the afternoon after 4 p.m. Avoid calling during lunch hours or right after the line opens. Weekday mornings are usually less busy than afternoons.
If I pay by phone, do I still need to pay by my due date?
Yes. A payment must post to your account by your due date to count as on-time. If you call the day before your due date, the payment may not post until after the important date. Call several days early to be safe, or set up automatic recurring payments so you never miss a due date.
Can I make a payment by phone if I do not have a bank account?
Yes, if you have a debit card. The system accepts debit card payments the same way it accepts bank account payments. You will need the card number, expiration date, and CVV. If you have neither a bank account nor a debit card, pay online or by mail instead.
What if the automated system asks for information I do not have?
Press the button to speak with a representative, or hang up and call back to try again. Sometimes the system has trouble reading entries. A representative can help you troubleshoot or process your payment manually without requiring you to re-enter information multiple times.