How long does it take to receive your CareCredit card?
Once you've submitted your CareCredit Credit Card application, you may receive a decision right away. However, it can take Synchrony up to 30 days to reach a decision. If approved, you'll get your new card in the mail within 7-10 business days.
Once you've been approved for a CareCredit credit card, here's what comes next: You will receive your CareCredit card within 7 to 10 business days. Keep it in a secure place to prevent credit fraud. (Minimum monthly payments must be made to keep your account in good standing.)
Whichever application method you choose, you'll find out instantly if you're approved and can start using CareCredit immediately, even before your card arrives in the mail.
The digital card is a secure digital version of your CareCredit credit card with industry-standard encryption technology. The CareCredit Mobile App gives you secure access to your digital card whenever you need it.
The exact timeline for getting approved for a credit card can vary. But issuers must tell you their decision within 30 days. Once you've been approved, many credit card issuers, including Capital One, say you can expect to receive your new card in the mail within seven to 10 business days.
The process of getting a new credit card varies by company. However, once you've been approved, most companies will mail you the card within an average of 7-10 business days. If you choose to mail in your application, or something happens to your card along the way, this will add additional length to your timeline.
With the CareCredit Mobile App you can access your digital card, pay your bill, find enrolled providers and businesses that accept CareCredit, set alerts and pay your Provider invoice.
If approved for the CareCredit Rewards Mastercard, you can use your card everywhere Mastercard is accepted and earn points on purchases. Purchases made at any CareCredit network location, at pet stores, grocery stores and on health and wellness purchases earn 2x points.
If you get approved for an instant use credit card, you might be able to start using it within minutes. If it's not an instant use credit card, you may have to wait for your card to arrive in the mail before you can use it.
There are a few cons to using CareCredit, including: Higher interest rates after zero-interest promotional offer. After the zero-interest promotional period, the CareCredit interest rate zooms to Prime +18.99. As of early March 2024, the interest rate on CareCredit debt under this repayment plan was as high as 29.99%.
Can I use my CareCredit card like a regular credit card?
In some sense, the CareCredit card works just like a regular credit card. The only difference is that you can only use it to cover traditional medical insurance copayments on covered services. The card can also be used for elective medical procedures that are not covered by traditional insurance plans.
Your CareCredit credit card can be used to pay for health, wellness and personal care items.
CareCredit is a credit card that can be used to finance healthcare treatments not typically covered by health insurance. Cardholders can be used for multiple instances, multiple times and even for multiple people. It can be used as a method of payment for the account holder's family members and even pets.
Once your application has been approved by the bank, they will send you a letter, SMS, or email with information regarding the shipment of your card. This information will carry a number known as the Air Way Bill number. You can use this number to track the status of your credit card.
Typically, an application will take 2 business days to process, plus an additional 7-10 business days to have the card directly mailed to your residence.
The average response time after you submit a job application is 2 weeks. Find the factors that influence response time and how to manage your expectations.
Once you've submitted your CareCredit Credit Card application, you may receive a decision right away. However, it can take Synchrony up to 30 days to reach a decision. If approved, you'll get your new card in the mail within 7-10 business days.
If you're wondering how long it will take for your credit card to arrive, the best thing to do is contact the card issuer directly. They'll be able to give you a more specific timeline based on their processing and shipping times.
| Issuer | New Card | Replacement Card |
|---|---|---|
| Bank of America | Within 10 business days | 4 to 6 business days |
| Capital One | 7 to 10 business days | 4 to 6 business days |
| Chase | 7 to 10 business days | 3 to 5 business days |
| Citi | 7 to 10 days | 4 to 7 business days |
Once patients apply and are approved, they can use their CareCredit credit card immediately and take advantage of Promotional Financing* on purchases of $200 or more.
Can I buy gas with my CareCredit card?
The Synchrony Car Care credit card is accepted at over 1 million auto merchant locations nationwide 1 including parts, repair, gas, services and more.
You typically need good or excellent credit (generally, FICO scores of 690 or higher) to qualify and you may owe a transfer fee.
The CareCredit® credit card is a medical credit card that you can use to pay for certain medical procedures, including plastic surgery. To qualify for the CareCredit credit card, you need a credit score of 640 or more, which is in the fair credit score range for FICO®.
Over-the-Counter Products
You can also use CareCredit for over-the-counter (OTC) medications and various health and wellness products. Some of these items include: Vitamins and supplements.
Can I use my CareCredit account to buy my pet food? You can pay for pet food using your CareCredit card as long as it is doctor-recommended and purchased from your veterinarian's office. Can I use the CareCredit card to pay for annual vaccinations? Vaccinations are an important part of your pet's ongoing wellness.
