HealthCare Credit Card Financing Portal at is the gateway portal for care credit, Healthcare financing, and medical credit care. The care credit is a healthcare financing made way card. With the CareCredit credit card, you will receive the health and wellness treatment you want and need every time for you, your family, and your pets.

 HealthCare Credit Card Financing Portal at

However, paying for the medical bills at can be a huge financial burden, and challenging for some people. Due to this, some companies have credit cards that take care of medical health care, this includes JPMorgan Chase, Citigroup, Capital One, Humana, GE Capital, and United Health Group.

These companies’ credit cards are designed to assist in paying off the high costs of health care. The CareCredit credit card on one such credit card. Read on to know more about how the card works.

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The Carecredit card is issued by Synchrony Bank of America. The Care credit card is quite different from a regular credit card. It’s helps take care of Health care bills, it covers medical insurance, medical procedures, and wellness services.

Also, other coverage by the care credit provider includes dermatology services, dental services, vision care, and cosmetic surgery and hearing care services.

The care credit providers vary from doctors, dentists, and surgical centers to Vision care, Veterinary services, hair restoration, and hearing centers. There are over 250,000 enrolled providers across the nation.

CareCredit card users may get to the CareCredit website and type in their Zip Code to search and locate local providers that accept the Card.

HealthCare Credit Card Financing Options

Card users who use the CareCredit card at are eligible to participate in short-term financing, that the care credit card offers. This allows for payment at different intervals like 6, 12, 18, or 24 months.

There are no interest charges on purchases of $200 or more as long as the spender pays the full bill within the agreed-upon period. Extended periods up to 36, 48, or 60 months for minimum purchase amounts of $2,500 are also available, with an interest rate as low as 17.9% APR.

Take note that, though the indicative annual percentage rate on the cards is much higher, at 26.99%. Also, it offers longer-term health care financing for 24-, 36-, 48-, or 60-month periods, at APRs ranging from 14.9% to 17.9%. Late fees range from $15 to $39 per statement period if you pay a bill late.

CareCredit How to Apply

If you desire to apply for Carecredit, you can pre-qualify for Care Credit online by using its online service at

You can apply over the phone using the company’s toll-free number, If you don’t want to go online, call 1-800-677-0718. There is an automated system available 24/7 or you can apply with a live agent between 9 a.m. and 9 p.m. ET, Monday through Friday.

You can also apply in person at more than 250,000 health care providers and select retail locations that accept CareCredit. However, CareCredit does not accept applications via fax or email take note.

CareCredit Requirements

CareCredit allows anyone to check if they qualify for a card. This option won’t affect your credit score. To apply, you will need to provide Synchrony with the following details:

  • Name.
  • Address.
  • Date of birth.
  • Social Security number (SSN) or individual taxpayer identification number (ITIN).
  • Net Income.
  • Housing information.

CareCredit Limits

The credit limit on your CareCredit card is determined by your credit history. The least purchase on these cards is $200, and the maximum credit limit for those with a good credit score is $25,000.

You can apply for the Care credit card and get approval with ease even with high credit limits this means that people with poor credit get approval for the card to pay for their medical bills. Also, know that when you do not make your bill payment on time the card has a higher late fee.

Finally, consider using a regular credit card as an alternative to CareCredit. If you see a card with an APR of 0% Promotions, consider applying for it to use in payment of your medical bills. The minimum payments may well be lower.

These promo periods often extend for 18 or 24 months, which are Care Credits. And even if you haven’t paid in full by the time the promo ends, you’ll probably incur a lower interest rate—and just on the remaining balance, too.

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What Credit Score Is Needed for CareCredit?

Synchrony doesn’t specify what credit score is needed to qualify for CareCredit, and it doesn’t tell customers the Credit bureau gets credit reports. Cards that work in a similar way, such as proprietary store credit cards, generally have low requirements when it comes to credit scores. This may make it easier for people with poor credit history to be approved for a CareCredit card.

Is There an Annual Fee on CareCredit?

No. There are, late fees if you miss a payment.

How Is CareCredit Different from a Regular Credit Card?

CareCredit is a credit card specifically designed for health services. You cannot use the card anywhere else or for purchases of groceries or gas, etc. Rather, it’s exclusive for payment of medical expenses at various hospitals, veterinary clinics, and dental centers.

Also, private medical practice firms, along with healthcare-related retailers and pharmacies. According to the company, there are over 250,000 providers across the nation.

The card’s financing terms tend to be different from those of a regular credit card. Instead of an ongoing, revolving credit line and interest charges, it acts as a short- or long-term loan. Interest accrues retroactively as of the charge date if you don’t pay the full balance by the end of the promotional period.

Is It Worth It to Get a CareCredit Card?

It can be, especially if you incur a major medical expense that’s not covered (or not sufficiently covered) by health insurance and the provider doesn’t accept credit cards. However, CareCredit functions more like a loan than a credit card.

It offers payment plans of varying durations, during which you make minimum monthly payments on the debt. You don’t pay any interest during that time, but if you haven’t paid off the entire balance by the end of the term, you’re charged interest at a steep rate.

Health care credit cards provide a way to make medical expenses more manageable. Of course, consumers must remember that the financing behind these credit cards is provided by for-profit companies that are in business to make money. If you’re not careful, you can incur significant expenses from the associated fees.

Like any other credit card, healthcare-oriented credit cards should be used cautiously and responsibly because failure to abide by the terms of the account agreement will be reported to credit bureaus and hurt your credit score. This includes reading the fine print and having a complete understanding of terms and associated expenses.

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