CareCredit Headquarters & Corporate Office

About CareCredit

CareCredit is a U.S. health and wellness financing brand that provides a revolving credit card specifically designed to help consumers pay for qualifying healthcare, wellness, veterinary, dental, vision, cosmetic, hearing, and related expenses. The product has been in the healthcare-financing market for more than 35 years and is currently accepted at more than 285,000 healthcare provider and retail locations, with newer CareCredit materials reporting acceptance at more than 290,000 locations in certain contexts.

CareCredit is not an independent bank or standalone publicly traded corporation. It is a Synchrony solution, and CareCredit credit cards are issued by Synchrony Bank. Current CareCredit materials report more than 12 million cardholder accounts nationwide, with the card usable across more than 50 health and wellness specialties.

An important correction for older California-based headquarters listings is that CareCredit should now be treated as a Synchrony financial-services brand rather than a separately headquartered California corporation. Current Synchrony filings identify the parent company’s principal executive office at 777 Long Ridge Road, Stamford, CT 06902. CareCredit’s card-issuing bank also maintains separate banking and payment addresses, so those should not be confused with the corporate headquarters.

Quick Information

Corporate Phone Number

203-585-2400

This is the current corporate phone number for CareCredit’s parent company, Synchrony Financial, at its Stamford headquarters.

Customer Service Number

866-893-7864

CareCredit Cardholder Customer Service is currently available

Monday through Sunday: 8:00 AM to 12:00 midnight ET.

Corporate Office Address

Synchrony Financial
777 Long Ridge Road
Stamford, CT 06902
United States

CareCredit is operated as a Synchrony health and wellness financing brand.

Headquarters Address

CareCredit does not currently publish a separate standalone corporate headquarters independent of Synchrony.

Current parent headquarters

Synchrony Financial
777 Long Ridge Road
Stamford, CT 06902
United States.

Email

CareCredit does not prominently publish a universal unsecured cardholder-service email.Customers should use secure account messaging, CareCredit’s online support tools, or 866-893-7864.

Industry

Consumer Financial Services, Healthcare Financing, Credit Cards, Patient Financing and Health & Wellness Payments

Founded

CareCredit has operated in healthcare financing for more than 35 years.Current official CareCredit materials emphasize this operating history rather than publishing a single founding date on the main consumer site.

Number of Cardholders

More than 12 million cardholder accounts.

Number of Accepted Locations

Current official materials report approximately

285,000+ enrolled provider and retail locations

with some newer 2026 CareCredit pages reporting 290,000+ locations.

Parent Company Employees

Synchrony reported

More than 19,000 employees

for 2025.

Website

https://www.carecredit.com/

Investor Relations

CareCredit does not have separate Investor Relations.

Parent company

https://investors.synchrony.com/

Careers Page

https://www.synchronycareers.com/

CareCredit roles are managed within Synchrony’s broader Health & Wellness and corporate organization.

CareCredit Products & Services

CareCredit Health and Wellness Credit Card

The core CareCredit product is a revolving health and wellness credit card issued by Synchrony Bank. Customers can use approved credit repeatedly at participating providers and retailers, subject to available credit and account terms.

Promotional Financing

CareCredit offers promotional financing on qualifying healthcare purchases, including certain purchases of $200 or more. Depending on the provider and promotion, customers may receive deferred-interest or reduced-rate financing terms.

Dental Financing

CareCredit can be used at participating dental offices for services such as routine dentistry, restorative treatment, orthodontics, oral surgery, periodontics, implants, and other eligible dental care.

The card can also cover qualifying deductibles, copays, and costs not paid by insurance.

Veterinary Financing

CareCredit is accepted by participating veterinary providers for exams, diagnostics, surgery, medications, emergency veterinary treatment, dental care, and other eligible pet-health expenses.The brand has also expanded into selected pet-care services such as grooming, boarding, daycare, and training through participating partners.

Vision Care Financing

Cardholders can use CareCredit with participating ophthalmologists, optometrists, and vision retailers for qualifying exams, glasses, contacts, LASIK, and other eye-care expenses.CareCredit currently reports acceptance at more than 26,000 vision providers.

Cosmetic and Medical Aesthetic Financing

Participating dermatologists, cosmetic surgeons, med spas, and aesthetic providers can accept CareCredit for qualifying elective treatments.Recent CareCredit expansion has also added e-commerce acceptance in selected cosmetic and skincare channels.

Hearing Care

CareCredit can be used for qualifying hearing tests, hearing aids, and related hearing-care products and services at participating locations.This allows customers to spread eligible out-of-pocket expenses over time.

Chiropractic Care

Participating chiropractors can accept CareCredit for qualifying treatment plans, examinations, adjustments, and related wellness services.CareCredit actively promotes chiropractic financing within its health and wellness network.

Primary and Specialty Medical Care

CareCredit is accepted across a wide range of medical specialties, including primary care, urgent care, orthopedics, bariatric care, urology, gastroenterology, and other participating specialties.

Healthcare Deductibles and Copays

Approved cardholders may use CareCredit for qualifying deductibles, copayments, coinsurance, and healthcare expenses not fully covered by insurance.

CareCredit is a financing product, not health insurance, an FSA, or an HSA.

CareCredit Rewards Mastercard

The CareCredit Rewards Mastercard combines health and wellness financing functionality with broader Mastercard acceptance subject to card terms.Rewards support and account service are handled through specialized CareCredit phone numbers.

Online Healthcare Payments

CareCredit allows customers to make qualifying provider payments through participating online payment systems.The company has continued expanding integrations with digital healthcare and payment platforms.

Provider Financing Solutions

Healthcare providers can enroll to offer CareCredit financing directly to patients.Participating practices generally receive payment from CareCredit while Synchrony handles the consumer financing relationship.

Health System Financing

Hospitals and health systems can integrate CareCredit into patient-payment workflows.CareCredit has developed healthcare-system integrations designed to simplify payment posting and financing for larger organizations.

Epic Integration

CareCredit has offered patient financing integrations within Epic-related healthcare workflows.These tools are designed to connect financing and patient-payment processes more directly with health-system technology.

CareCredit Mobile Account Management

Customers can manage their CareCredit account digitally, make payments, view balances, request credit-limit increases, and access other account functionality.Account management is available online and through supported mobile tools.

CareCredit Corporate Phone Numbers

Corporate Phone Number

Parent company Synchrony

203-585-2400.

Corporate Headquarters Number

203-585-2400

Headquarters Number

203-585-2400

Corporate Office Number

CareCredit does not publish a distinct standalone corporate-office switchboard.

Parent corporate routing

203-585-2400

Customer Service Number

866-893-7864.

Customer Support Number

866-893-7864

Credit Application Number

800-677-0718

Applications can be completed through the automated system or with live assistance according to current CareCredit availability.

Provider Services Number

800-859-9975

For enrolled providers, current guidance directs callers to

Option 1, then 6.

New Provider Enrollment Number

800-300-3046

Current provider-enrollment guidance uses

Option 5.

Health Systems Support Number

For enrolled hospitals and health systems

855-945-3561

For health systems interested in joining

855-827-8068.

Fraud and Identity Theft Number

866-834-3205

CareCredit directs customers who suspect fraud or identity theft to contact Synchrony at this number.

Existing Fraud Case Number

866-412-7866.

CareCredit Rewards Mastercard Account Support

866-748-1585

Available 24/7 for rewards points and general account information.

Rewards Redemption Support

855-483-3971.

Billing Number

General cardholder billing assistance

866-893-7864

Payment Mailing Address

Synchrony Bank
P.O. Box 71715
Philadelphia, PA 19176-1715.

Overnight Payment Address

Synchrony Bank
400 White Clay Center Drive
Newark, DE 19711

In-person drop-off is not permitted.

Billing Dispute Address

Synchrony Bank
P.O. Box 71756
Philadelphia, PA 19176-1756.

Media / Press Number

Current CareCredit media contact

626-250-1415

Contact

Michelle Blaya.

Investor Relations Number

CareCredit itself has no separate Investor Relations department.Investor matters belong to Synchrony Financial.

Human Resources Number

No CareCredit-specific public HR number is listed.Careers are handled through Synchrony.

International Number

CareCredit is primarily a U.S. consumer financing product and does not publish a universal international cardholder number.

How to Reach a Real Person at CareCredit

For an existing CareCredit account, start with 866-893-7864. Customer Service is available seven days a week from 8:00 AM to midnight Eastern Time. Have the cardholder’s name, account information, recent transaction details, statement date, and the exact issue ready. For security reasons, use only official CareCredit or Synchrony channels when discussing account information.

If you are applying for CareCredit, call 800-677-0718. Healthcare providers should use 800-859-9975, while businesses interested in joining the provider network can use 800-300-3046. Fraud concerns should be routed immediately to 866-834-3205 rather than ordinary billing support.

Because CareCredit is issued by Synchrony Bank, serious credit-card, billing, fraud, or account disputes should be treated as Synchrony Bank account matters. The provider where the purchase was made may help with the underlying medical or retail transaction, but it generally cannot resolve a CareCredit account dispute on Synchrony’s behalf.

CareCredit Headquarters & Corporate Office Address

Current Headquarters

CareCredit does not currently maintain a separately disclosed public corporate headquarters independent from Synchrony.

The appropriate current parent-company headquarters is

Synchrony Financial
777 Long Ridge Road
Stamford, CT 06902
United States.

Corporate Office

CareCredit is operated within Synchrony’s Health & Wellness business.Current public filings identify Synchrony’s principal executive office in Stamford rather than California.

Mailing Address

For regular CareCredit card payments

Synchrony Bank
P.O. Box 71715
Philadelphia, PA 19176-1715.

Other Important Address

Formal written billing-error notices should be mailed to

Synchrony Bank
P.O. Box 71756
Philadelphia, PA 19176-1756.

Former / Historical California Connection

Older CareCredit materials and press releases identified operations in Costa Mesa, California. For example, a 2021 CareCredit announcement was issued from Costa Mesa. That historical California connection should not be presented as CareCredit’s current standalone headquarters because CareCredit is now clearly positioned as a Synchrony brand and Synchrony’s principal corporate headquarters is in Stamford, Connecticut.

How to File a Complaint Against CareCredit

CareCredit complaints may involve billing errors, promotional financing, interest charges, account access, disputed purchases, credit reporting, fraud, identity theft, application decisions, or provider-related transactions. Before escalating, gather the relevant statement, transaction date, account correspondence, promotional-financing terms, receipts, and previous case numbers.

Step 1: Contact Customer Service

Call 866-893-7864 and explain the problem clearly. Provide the transaction date, amount, statement information, and the specific reason you believe the account requires correction. Ask the representative to document the issue and note any case or reference number. For simple account questions, payments, credit-limit requests, or general servicing, this should be the first contact.

Step 2: Contact the Relevant Department

Use the specialized department when the complaint falls outside normal account servicing. Fraud and identity-theft complaints should go to 866-834-3205, provider issues to the applicable Provider Services team, and Rewards Mastercard issues to 866-748-1585. Routing directly to the correct unit can significantly reduce delays.

Step 3: Request Supervisor or Management Review

If the first representative cannot resolve the complaint, ask for supervisor or account-management review. Provide the previous case information and a concise timeline of the disputed charge, promotional-financing concern, fraud incident, or servicing problem. Document the date, representative names where available, and what Synchrony tells you will happen next.

Step 4: Use the Company’s Written Complaint Channel

For a billing error, federal credit-card rules can make written notice especially important. CareCredit’s current card terms direct billing-error correspondence to Synchrony Bank, P.O. Box 71756, Philadelphia, PA 19176-1756. Include your name, account information, disputed amount, and why you believe the statement is incorrect. Current terms state that written notice must generally be sent within 60 days after the error first appears on the statement.

Step 5: Contact Corporate Headquarters

For a serious unresolved corporate matter, correspondence can be directed to Synchrony’s corporate headquarters at 777 Long Ridge Road, Stamford, CT 06902. Explain that the matter concerns a CareCredit account and include copies of relevant correspondence, statement pages, case numbers, and the resolution requested. Do not send original records or full card-security credentials.

Step 6: Use the Specialized Complaint or Dispute Department

If the issue concerns fraud, identity theft, or an existing fraud investigation, use Synchrony’s dedicated fraud channels. If it concerns a formal billing error, follow the written billing-dispute address rather than relying only on a telephone call. CareCredit’s card terms explicitly state that calling alone may not preserve the same billing-error investigation rights as timely written notice.

Step 7: File With the Appropriate Regulator

CareCredit is a consumer credit product issued by Synchrony Bank. Unresolved consumer-finance complaints may be filed with the Consumer Financial Protection Bureau or the appropriate banking regulator depending on the issue. Credit-reporting disputes may also involve Equifax, Experian, or TransUnion when inaccurate information appears on a consumer report.

Step 8: Use Consumer Protection or Financial Dispute Options

Customers can dispute qualifying card transactions through their card issuer and may also contact their state Attorney General or consumer-protection agency when appropriate. If the complaint involves a healthcare provider’s service rather than the credit account itself, a separate complaint may need to be directed to the provider, professional licensing board, or healthcare regulator.

Step 9: Consider Formal Legal or Arbitration Procedures

If all ordinary complaint channels fail, review the current CareCredit Cardholder Agreement before pursuing legal action. Credit-card agreements can contain arbitration, notice, venue, and timing provisions that affect how disputes must be handled. Preserve statements, correspondence, promotional terms, receipts, complaint numbers, and proof of written notices before considering arbitration or legal counsel.