A:Keep pressing 0, then keep repeating "Representative" until you are transferred.Our free phone can also navigate phone menus to get a live human at Care Credit for you.
Q:
Does Care Credit offer 24 hour customer service?
A:Not at this number; hours here are Mon-Sun 8am-12am EST.The least busy day is Sunday, and the most busy day is Thursday.Schedule a call when the call center is open and when it's convenient for you.
Q:
How long will I wait on hold?
A:The average hold time is 1 minute and 39 seconds.The longest hold times are on Saturday, and the shortest are on Friday.You can skip the hold time for free.
How do I get through the phone menu to a live person?
Consider using our free service that calls and talks to customer service for you, then sends you a report. Or use our free service that waits on hold and tells you when a human rep is on the line. But if those options don't appeal to you, our team has also documented the phone menu for Care Credit below.
Our AI powered phone can dial, navigate the phone menu, wait on hold, and even talk to customer service for you, for free. You don't even need to learn about the path through the various phone options.
That same, free GetHuman Phone can call and navigate the menus and wait on hold for you, but you can opt to do all the talking. We notify you when a rep is on the line and ready to talk, so no need to worry about changing menu options and weaving your way through the maze.
Of course, we completely understand if you prefer to do all the dialing, waiting, and talking yourself. All of these free tools are optional.
GetHuman researchers routinely call this Care Credit phone number to document the phone system.
Here is how our research team describes the way the Care Credit phone system greets you: If you are an account holder, press 1. If you are a provider, press 2. If you do not have an account yet, press 3.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest:Keep pressing 0, then keep repeating "Representative" until you are transferred.
Below are some clips we've found from Care Credit's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:
Heard when the phone system first answers
"Thank you for calling Synchrony Bank.
The issuer of your CareCredit account.
If you're a CareCredit account holder, press one.
If you're a CareCredit provider, press two."
Excerpt from a call with Care Credit
Saturday, January 6, 2024 3:27 PM
They may ask your reason for calling (instead of a menu)
"This entire call will be recorded and monitored.
Thank you for calling Synchrony Bank. My name is Wendy. How can I help you today?"
Excerpt from a call with Care Credit
Thursday, January 2, 2025 6:00 PM
The first phone menu
"Thank you for calling Synchrony Bank.
The issuer of your CareCredit account.
If you're a CareCredit account holder, press one.
If you're a CareCredit provider, press two."
Excerpt from a call with Care Credit
Saturday, June 8, 2024 7:57 AM
What are the hours and when should I call?
Care Credit operates the call center for this 866-893-7864 phone number Mon-Sun 8am-12am ET.The short answer is that you should call on a Friday.This observation and the following section are based on analysis of a sample set of 603 calls made in the last 90 days using our free, web-based phone (see above).
Call when they- and you- are open
When you use our free AI-powered phone to call and talk, wait on hold, or navigate for you, you can also schedule the call with Care Credit at a time when they are open and when it works for you. We will confirm you are ready before placing the call, just in case. That means you can "set it and forget it" ahead of time.
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Care Credit phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Care Credit staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.
The least busy time to call
The least busy day to call Care Credit is Sunday.The most busy day to call is Thursday, which averages 222% more phone calls by comparison.Again, this is based on a sample of 603 calls made with our AI-powered, web-based phone in the last 90 days.
Sun
Quietest
Mon
Tue
Wed
Thu
Busiest
Fri
Sat
The shortest wait on hold
We measured the shortest hold times to be on Friday.The longest wait in the queue on average occurs on Saturday, which is 1648% longer than the minimum.As you can see, there is more fluctuation in hold time over the course of the week than there is in call volume.
In summation, the best day to call Care Credit is Friday.It isn't the least busy day, but the fact that hold times are shortest combined with it being on the busy side tells us that Care Credit staffs up on Friday to handle the higher call volume, and that makes it the best time to call.
When you call Care Credit's customer service phone number, you're first greeted by an automated messaging system. It thanks you for calling and immediately offers a Spanish language option (press 4). This is great, as it increases caller accessibility! The system pauses, giving customers a chance to select the alternate language option if they choose, and then presents the following phone menu:
Press 1 if you're a Care Credit account holder
Press 2 if you're a Care Credit account provider
Press 3 to apply for a Care Credit account
Interestingly, the options don’t automatically repeat, and there isn’t a way to request them to be repeated. Instead, after one recitation, it switches to a different phone menu. It asks you to say or enter your account number, then seems to glitch, saying "Let's try that one more time" a couple of times in a row. It then asks the same question in a different way, gives minimal pause time, and asks for your social security number twice. I hung up to get back to the original phone menu because whatever the system devolves into if you don’t make a 1-3 selection is a little off-putting.
I was calling with questions about Care Credit, not necessarily to immediately apply, so none of the initial options were applicable. Nonetheless, I pressed option 3, hoping to reach a human being. After pressing 3, the automated system says it will transfer me to an agent, then states the entire call will be recorded. Something about the specific language used on this customer service line is off-putting as a potential customer—it almost sounds like a threat. Because of this, I chose not to speak to an agent, despite the effort I put into navigating to one. I would rather look for information online and speak to current and former account holders for their thoughts.
Adam has been tirelessly trying to help customers find the best tips and tricks to get through phone trees and writing many guides for prickly customer service problems. He's been featured in the Wall Street Journal, Inside Edition and Bloomberg.
Why Customers Call Care Credit
If you have time to do a bit of reading before you call Care Credit, we recommend you read over some of our problem-specific articles.
Yes, Care Credit does have a mobile app available for both iOS and Android devices. The Care Credit app allows users to conveniently manage their healthcare expenses and access their account information on the go. With the app, users can make payments, view transaction history, check available credit, and even apply for additional financing. It also provides a provider locator feature, enabling users to find healthcare providers who accept Care Credit near their location. The app offers a user-friendly interface and secure access to ensure peace of mind for customers. Downloading the Care Credit app allows users to stay connected with their account and conveniently handle their healthcare financing needs from anywhere, anytime.
The interest rate for Care Credit varies depending on the promotional period and the type of healthcare service being financed. For eligible transactions over $200, Care Credit offers different no-interest and low-interest financing terms, typically ranging from 6 to 24 months. If the balance is not paid in full within the promotional period, a variable interest rate will be applied, ranging from 26.99% to 28.99% APR. The specific interest rate will be disclosed during the application process, and it is important to carefully review the terms and conditions provided. Care Credit aims to provide affordable financing options, ensuring individuals can access the necessary healthcare services while managing their financial resources responsibly.
We're going to help you retrieve your Care Credit login information. First, go to the Care Credit website and click "Login". Next, click "I forgot my User Name". You'll enter some information about your account, and Care Credit will email your username to you directly. Next, go back to the Care Credit website and click "Login" again. This time, click "I forgot my Password". Enter the requested personal information, and Care Credit will email you a password reset link. There you go! You're finished!
Click the link above to get answers to just about any Care Credit customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to Care Credit, and their purpose. Are any of these similar to the reason you are trying to call?
Make ACH payment: "I wanna pay four hundred and fifty dollars of my outstanding bill."
- From a call lasting 6m 11s , Jan 9, 2025 2:02 AM
Fraudulent account inquiry: "I don't have a Care Credit account."
- From a call lasting 11m , Jan 5, 2025 7:09 PM
Account closure inquiry: "Is there a reason why it was closed?"
- From a call lasting 17m 56s , Jan 2, 2025 6:00 PM
Information about why customers call Care Credit is extracted from issues that customers have reported to GetHuman.
Use the link to connect with customer service through Twitter
Care Credit, like many companies, provides customer service on the X platform (formerly Twitter). While it rarely entails live dialogue with a customer service rep, this channel can yield rapid response times and can be a useful option if you have an X/Twitter account.
Care Credit Customer Service on Facebook / Messenger
Use this link to connect with customer service through Facebook
Some customer service teams, like that of Care Credit, accept inquiries through Facebook Messenger. This is a good option if you have a Facebook account, and you may even be able to converse live with an agent this way.
As a last, sometimes only, resort- Care Credit customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.
Conclusion and closing notes
This is Care Credit's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Care Credit agent. This phone number is Care Credit's best phone number because 37,866 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 866-893-7864 include Technical Support, Refund or Suspicious Charges, Update Account Information, Recover Account, Sign up for service and other customer service issues. The Care Credit call center that you call into has employees from India, Philiipines and is open Mon-Sun 8am-12am ET according to customers. In total, Care Credit has 1 phone number. It's not always clear what is the best way to talk to Care Credit representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.
GetHuman does not provide call center services or customer support operations for Care Credit. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Care Credit. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.
