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Contact Care Credit Customer Service

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Contacting Care Credit Customer Service Center

Care Credit is a credit card company that takes applications and provides credit for customers to use for health-related expenses. The credit application is processed, denied or approved by GE Capital Retail Bank. Care Credit was founded in 1987 and is a part of the GE Capital company. There are more than 150,000 providers that currently accept Care Credit cards. The areas of healthcare primarily covered by Care Credit include:

  • Dental
  • Vision
  • Veterinary
  • Hearing
  • Cosmetic

Contact Info:

Phone Contact Numbers

Care Credit offers a 24-hour automated line that customers can use to apply for credit. If you wish to speak with a representative, you must contact the company Monday to Friday from 9 a.m. to 9 p.m. EST. Healthcare providers currently accepting Care Credit can call 24 hours a day to process an application. Other inquiries by healthcare providers must be made between the hours of 8 a.m. and 12 p.m. Monday to Friday. Applications from healthcare providers who want to accept Care Credit should call between 10 a.m. and 7:30 p.m. EST.

  • Apply for Care Credit: 1-800-677-0718
  • Healthcare Providers: 1-800-859-9975
  • Healthcare Providers who want to accept Care Credit: 1-800-300-3046 ext. 4519

Mailing Address

GE Capital
PO Box 960061
Orlando, FL 32896-0061

Official Website

The official Care Credit website at http://www.carecredit.com/index.html explains services covered by a Care Credit account. There are also links to the healthcare provider website, card holder website and Terms and Conditions of credit. You can also apply for a Care Credit card from the official website. You will be required to enter your social security number and other information when applying online – so make sure you are not connected to a public Internet access point before submitting your application.

Customer Service Email

There is no customer service email address located on the Care Credit website, but there is a link to chat with a representative about the Care Credit card.

Our Experience

When we called the customer service line to apply for a Care Credit account, we were required to listen to the Terms and Conditions before we could speak to a representative. You can view the Terms and Conditions on the official website to skip this step. Our call took us through a series of automated channels that eventually landed with a customer service representative answering the call after just more than 5 minutes. The wait time was greatly increased by the Terms and Conditions review. A second call was answered in less than 3 minutes. The customer service representative spoke perfect English and was happy to answer our questions about Care Credit.

From the Terms and Conditions call, we did find out that GE Capital Retail Bank will share your personal contact information with other companies even if you are not approved for a Care Credit account.

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Rate your customer service experience:
Rating: 2.1/5 (22 votes cast)
Contact Care Credit Customer Service, 2.1 out of 5 based on 22 ratings
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41 Comments on “Contact Care Credit Customer Service
  1. I have just spent 30 minutes trying to find ANY Care Credit phone number that will give me a LIVE operator. I am so angry I can hardly stand it. Why on earth is everything at Care Credit automated. I have a real problem in that I mailed a payment for a Citi Visa card to the Orlando Florida office of Care Credit. I have cancelled my Care Credit Card and transferred all the balance into the Citi Card. I inadvertently mailed it to the Orlando address and would like to know what happened to my payment. GIVE ME A PHONE NUMBER PLEASE!

  2. I can’t reach a live representative, but am concerned about my account, I made our payment of $36 and am still receiving calls of a pass due amount and would appreciate this matter resolved or an email response. I will also try to call again. Thanks

  3. I have jus spent15 minutes trying to find customer services TO MADE PAID” PLEASE EMAIL TEL MUMBER….

  4. I was in desparate need of dental work. I have always taken care of my teeth, but due to suspected medicines I was having to take for a illness that was making me disabled, I did not have any dental coverage, nor the money to purchase any. I had been denied actual Disability from Social Security twice, but I had filed for an Appeal Hearing…the date yet to be determined. I had been referred to an endodontist that offered the CareCredit Card applications. I called, and as it turned out, I already had a account that had been used years earlier for my ex-husband, but was just in my name. I talked to the customer service rep. about using the card, and that is when he asked if I would like the Disability Insurance offered on the card. I asked specific questions about the Full-Disability rules. They were explained to me that anytime after I was enrolled in the Disability Insurance, if I became officially disabled by Soc. Sec.,, the balance of the primary account holder would be paid off. Even though I had already been denied Disability twice, and didn’t have a requested hearing date yet, I decided to pay the hiked up extra each month to have this insurance. I finally did have my day in court, and did receive the right to collect Disability. When I submitted my claim to CareCredit, I was told that even though the date I won Disability was after my enrollment, because Soc. Sec. will back-pay up to 2 years, if proven illness, their Disability Program did not apply to my case…directly contradicting the specific questions I had previously as their customer service rep. on the phone before I even began the dental work. That day on the phone, I was told that the call would be recorded for training purposes…blah, blah, blah..so, they have exactly what questions I had asked, and exactly what answers I had been given. I am still forced to pay the hiked up price each month for the insurance, where this issue is not yet resolved…dispite the fact it is not worth the paper it is written on. What good is the Disability Insurance, when Soc. Sec. most always goes back the 2 years…because it generally takes that long just to have your case settled with them. THIS IS A PRACTICE OF LOOP-HOLE FRAUD !

  5. Had the same problems trying to get ahold of a live person. Once I did everything was resolved. Try calling 1-866-419-4096. Then keep on hitting the 0 till someone answers. I was on hold about 5 minutes.

  6. Im a new interested customer who has been trying for several days to get into contact with a live representative so I can learn more before I sign up and ask qurstions. Plus I would like to have a brochure to over look the dental program that I’m thinking about getting in too. They seriously need to fix the operator and have associates/representatives to help new coming customers. Smh at credit are they need to get it together before they loose income meaning business.

  7. I am paying $159.00 to Care Credit for Dental work done by Dr. Debartola, I have had to go to another Dentist to correct and replace caps that he put on me. I owed almost $5000.00 and now down to a little over 2 thousand. They just sent me a bill with late charges and wants $206.00, I did pay it but not happy with Dr. Debartola or Care Credit. My payment changs all the time……

    • Beware of promotional no interest payments. The web payment site is often down and you can’t get an answer at customer service….if you are even a few hours late over the payment due date, they will sock it to you.
      How else would they get anything out of it.
      They are just waiting for you to late.

    • I happy company take out automatically out of my account every month it’s ridiculous only $5 gets paid now on the balance. Seems crazy my interest rate is always going higher and the bill is really crazy they take out about $50 a month out of my account .What does it mean when it says promotional balance I don’t understand? Thank you happy holidays

    • I am also I so security disability. & I know nothing about automatic automatic pay please explain to me. Seems like my bills not going down at all maybe 4 or 5 dollars a month I have the company take out automatically out of my account every month it’s ridiculous only $5 gets paid now on the balance. Seems crazy my interest rate is always going higher and the bill is really crazy they take out about $50 a month out of my .account .What does it mean when it says promotional balance I don’t understand? Thank you happy holidays

  8. GE Capital,

    I have made consistent payments to my account over the past year that I have had a balance with you. I have been late with my payment twice since the very beginning of charging with you. Each time I was late it was only 1 day. I was going to just set up automatic payments so that this would not happen, as we travel out of the country a lot and this might happen again. I called customer service this second time I was late and explained what happened. I asked if there would be a penalty for being late, I stated that I am pretty sure this is the first time I’ve ever been late on any payment before, and told the person I will set up automatic payments. The young man said, “well this is NOT the FIRST time you’ve been late, its the second time you’ve been late, but since you weren’t charged a penalty the first time, you probably won’t be the second time either.” So I said “Probably?, then the penalty’s been waved? He said, “well as I said they didn’t charge you the first time, did they?” The way he said it was not nice. In fact it was pretty rude. He certainly sounded like if it was up to him all us worthless scum would be charged every cent they could get. I thanked him, and hung up.

    After thinking it over, I decided that I really didn’t like that attitude and it reflects quite poorly on your company as a whole. Luckily as a charger with good credit and money to pay the debt in the first place, I decided I really didn’t want to ever be treated like I was scum to some kid behind a phone. I decided to just pay off the entire balance, $1400. although it was a promotional no interest balance was not due till next year. I just didn’t like the attitude. I felt that this was GE Cap’s attitude as well.

    Imagine then my surprise when I clicked on my account and saw that the entire balance had indeed been paid off, but a late fee of $35.00 was added to the now empty card. Its not the $35.00, its the way your agent handled it. Also I can’t help but feel that if the balance had not of been paid off then the late fee would have been waved, just as the agent said it would be. When I called customer service about the 35.00 charge, I chose to participate in the survey at the end so I could air these problems. After speaking with the agent I was cut off before participating in the survey. Coincidence….I think not.

    ** PS the reason I was late the second time, the web site was down or could not be accessed although I tried 11 times on the due date and finally got onto the site the next morning and made my payment. Not my fault…yours

  9. Why don’t you use customer service people who speak English? I could barely understand a work the Indian woman said. Are you too cheap to use American workers? Don’t you make enough money on the interest we pay you?
    Additionally your website is a joke. Try to contact customer service via you own website. you have to register! It is obvious you REALLY

  10. give me a reply on my account i left a phone message with my account number i am tring to figure out if my account was reported to the credit breau?, i made up the miss amount of 5dollars plus the late fee give me a call to discuss this matter

  11. 1st OF ALL I DO NOT USE THIS EMAIL ACCT. NOW I GOT $2,800. FOR DENTAL WORK DONE ON 10/08/2012. I HAVE NOT REC’D A BILL. WHEN I CALLED THE # ON THE BACK OF THE CARD “IT” SAID IT WOULD BE A $15. CHARGE TO SPEAK TO A REP!!”T” SAID MY PAYMENT WILL BE $90. I WAS TOLD AT THE ORAL SURGEONS OFFICE MY PAYMENTS WOULD BE $238 FOR 12 MO.WHICH IS $2856. I WAS TOLD IF I PAID ON TIME THERE WOULD BE NO INTEREST. ALL I WANTED TO KNOW IS WHERE DO I MAKE THE PAYMENTS TO????? THE ONLY ONE I CAN FIND IS ORLANDO, FLA., IS THIS CORRECT? DUE TO THE TIME FACTOR & NOT GETTING A BILL I AM SENDING PMT THERE (ORLANDO) IF THIS IS NOT CORRECT OR IF THERE IS A PROBLEM OF MY PMT BEING LATE (IT IS DUE ON 11/ 16 & TODAY IS 10/31)THAT IS PLENTY OF TIME FOR ORLANDO TO FORWARD PMT TO THE CORRECT PLACE and TO LET ME KNOW WHERE TO SEND THE DEC. PMT. THIS IS POOR BUSINESS PRACTICES. I WILL NOT BE LATE ON ANY PNMT & WILL BE PAYING $250. PER MO FOR 10 MONTHS WITH THE REMAINING BALANCE ADDED TO THE 11 MO PMT. $2800. NO INTEREST PER THE AGREEMENT. I EXPECT TO HEAR FROM YOU VERY SOON….

  12. I do not even know where to start with the care credit customer services. It is the worst, I literally want to scream when I spoke with the first rep, I was calling today because I make my payments on time very month, but it seems like it will not post till next day and I recieved a late fee charge. This has been for 3 months same thing and I did not realize tht was happening until I checked my statement and wonder why is my balance higher then what I started with. It was because f the late fees. The rep would talk over me when I explained my situation and said that I paid it on 28, I know I pay it on time every month on the 27th, basically tellin me I am lying why woul I need to lie. If I know that I was getting charge late fees why would I let it continue for 3 months. And then I asked to speak with supervisor and he was worst. I wanted 10 minutes before I was helped, as soon as he got on phone and I try to explain my self same thing he stated facts!!!! That I paid it a day late when I know I paid it on time. He says I can see when it was paid when I know I paid on the 27. I have read bad reviews about them and calling them today confirms the lack of good customer service they provide makes me nvr what to contact them again. Bottom line is the customer service reps are rude and need to take classes to good customer services. People call for them for help not to get the customers upset.

  13. Requesting a full statement from beginning on my account…and please decease calling on
    sundays and any days before 9 a.m. CST…I am aware my account is over due and have talked with Customer Service regarding this…I also do not talk to service people whose first language is not English….I resent any company that has outsourced their resources…..At this time I will only make payments on principle owed without interest….this has gotten way out of control and as I am no longer employed and living on Social Security my ability to pay on any debts is nigh on impossible….PLS REFRAIN FROM CALLING REPEATLY…NEED FULL ACCOUNT INFORMATION TO SEE WHERE THIS IS GOING…!!!

  14. Yes this place is a joke. I have 2 accounts with them. With both accounts they sent to bills to the wrong address then sent all info to fraud department because the mail was returned. I will repeat 2 accts and they could not get it right. Now they finally got the second account’s statement to the correct address but when I went to set up my acct online they had yet another incorrect address. It was even in another state. I called them after 40 minutes trying to talk to someone they were unable to locate the acct under the number and needed my SSN. Needless to say, when I went to call them back they are closed… MOnday at 230 PM. I AM NOT PAYING THIS BILL if they have no clue who my acct belongs to, what address I live at, or can not answer the phone….. I will NEVER have another acct with these incompetent morons….

  15. My name is Lilian Hayes, I dont remember my account number ending to cancel the December 12, 2012.
    For purposes of paying taxes this year 13/14, I require I be sent a statement to prove my Care Credit payment.
    Thank you please send it to me at my new address:
    925 E. Magnolia Dr. Apt F-2
    Tallahassee, Fl 32301.
    Please send as soon as possible.
    PD. This account has been canceled since December, 2012.
    I appreciate your valuable cooperation.
    Sincerely.
    Lilian Hayes.

  16. Today is feb. 4, 2013. I spent TWO & A HALF HOURS on the phone with these idiots trying to find a live associate in the collections department. Someone listed my account as a pending bankruptcy and they quit sending the statements. As I am going thru an awful divorce, I did forget to pay the bill. Now, I have a 30 day late pay on my credit w/ Equifax and my attorney told me Care credit can ask for this to be removed as this is the first time this has happened. But trying to find SOMEONE to talk to is ridiculous! Going to try tomorrow and threaten to file a complaint with the FTC for violation of the Fiar Debt Collection Practices Act. I can hardly wait until this is paid off..I will NEVER use these people again! AWFUL EXPERIENCE!!!

  17. I had one question to ask before I enlisted in the program. Needless to say, I could not find anyone with whom to talk. I am not willing to submit all of my personal information to a computer screen or to a recorded line. If I knew the answer to my question, it might help.

  18. Horrible outfit! My senior citizen low income sister was talked into this account by Wells Hearing Aids in Everett WA. They charged her $300 to RETURN the merchandise in less than a week for “restocking fee”. Care Credit charged her apx $60 in late fees and interest; she never received an invoice. She finally got ahold of some fellow in the Philippines that she could barely understand; he said they’d accept the $300 and waive the other fees due to the misunderstanding. I called, had to give them a debit card on my checking account for $300; they’re still charging her the “fees”. What a lying, cut-throat outfit this is. The lady I finally got ahold of, again, I could barely understand a word she said. They obviously prey on the elderly with low income levels who can’t understand nor afford their credit plan.

    • After not being able to make a payment online, I tried calling customer service todo it over the phone. I again had trouble when I encountered the automated setup. I pressed 0 in hopes of getting a live operator. Instead the machine told me that if I meeded to speak to a real person, I would be charged a fee of $15. complete and utter bullshit. I am livid. Worst customer service I’ve ever encountered. I know this fee wasn’t always the policy because I have talked to a live person before without.any mention of being charged for it. Anybody else have this happen to them?

  19. Can’t find phone number for a live person, have several issues, and can’t get them resolved, don’t like this type of service at all. will be closing my account. Terrible service.

  20. I spent almost ten minutes trying to get to an agent before I was able to reach one. This happened AFTER: My card wasn’t handy, so they asked for my SS# as an alternative. I gave them the SS#, at which point they again asked for the account #! WHAT??? I had to hang up; find my card; and go through the entire process again.
    THEN, it took me ten minutes to get the agent.
    CARE———You don’t care about customer service!

  21. I am having a terrible time trying to pay my Care Credit card on line. I finally reached a human being after going thru a long, complicated computer voice. We havetwo accounts with GE capital, one for Lencrafters and one for dental work. The dental one is in my husband’s name, the Lenscrafter one is in my name. Different numbers, but they will not let me access the dental one. The rep said the dental one was locked, and to try again in 3 hours. I tried again some 9 hours later, and it will still not accept his login and password even tho the rep checked and said they were correct! Once I get this paid, I will never use them again. No email address, a phone number only from Mon to Fri certain hours! I guess they don’t want my money!!

  22. I received a letter from GE Capital Retail Bank, Orlando, FL stating I was declined for a credit card. I am 80 years old, living on Social Security, and NEVER APPLIED FOR A CREDIT FOR YEARS!! I reported this FRAUD to my bank and to the police. I will proceed to find more Fraud Reporting Sites plus having Experian put a FRAUD ALERT on my credit report. Who are these people? Where did they get this address!! BE AWARE!

  23. I have been trying to reach a customer representative to talk to about listings for eyeglass locations. On line you list locations and store names that do not participate in care credit. You need to update your website with and also a contact number where I can speak with a representative. I called the number on the credit card and I got a person named Tanesha trying to give me a voucher for $100 to Target, Walmart, etc. She was asking for $1.95 fee and asking for my bank card number to withdraw the fee. I think this is totally unacceptable and the credit card’s issued should have the proper information for the customer’s to reach in case there is a problem. Please email a number where I can reach a live person.

  24. unable to reset password for online payment and no option to reach a representative by phone. This is very frustrating and no the system will not accept the password reset. Please Email my password for acct

  25. I used this company for a med necessity/cosmetic. I’ve been unemployed and on disability for four months. Absolutely NOTHING coming in. So I talked to this damned Habeeb about a hardship plan. I told him your only going to get what I can afford and that’s it. They agreed to it ever since them they’ve been blowing up my phone every single day with calls 10-15 times a day. This company is a fucking sad joke.

  26. I don’t understand how you think I owe 800 when I think it should be $300. I have called and called and could not get thru. I tried the chat line several times but always closed. I finally did talk to a live person but her explanations made no sense. The majority of my deferral purchases have been paid in a timely manner. The lady promised to send me copies of all transaction on my account. Still waiting.

  27. I can’t reach someone who can understand English about making an arrangement. they don’t get any explanation or reasoning, sound like a robot reading. I need a real human person who understands English, and to stop multiplying the account beyond what I owe. anyone know an email address for them?

  28. I have a very sick dog and was sent home from the vet because care credit declined my card but when I go and check my account it tells me that I have a credit line of well over 2,000. The vet made me sign papers stating that it was not good to take him home because they do not think he will make it through the night. These people are heartless and unless that can fix this problem I am closing the account, they also need to show on my account were I made my payment instead of stating that my balance is past due. Please people help me, isn’t that what your job is for to help people. May God bless everyone on this page having all these troubles and may God speak to some ones heart at care credit and help us resolve these issues.

  29. This is absolutely the worse credit card ever. I broke my leg, and asked for a hardship. I spent hours on the phone talking to different reps. This is the only account that would not give me one. Just in case some Care Credit Customer Service person reads this my last 4 numbers on my account is 2349. I live in the 94578 area code.

  30. Accessing your agent by phone is very unsatisfactory.

    I do not have my account number; I entered the Social as prompted and responne from Creditcare is negative.

    I had some questions regarding this account. impossible to speak to someone.

  31. I will never use Care Credit again. My ex-fiance called the automated number, raised my line of credit, maxed out my cared, and I got slapped with a huge bill. I cannot speak to a live person regarding this unauthorized transaction, I cannot get a hold of anyone via live chat. Care Credit write back, acknowledging my message (I could only do live chat, since there isn’t even an email address on the site), but they did not address my problem. I have been fraudulently billed, and no one will even speak to me.

  32. Hello I just wanted to send you a letter that I have written to Aspen dental and to let you know that the company that you’re dealing with may not be completely honest and forthright with the customer. This is what follows:

    Dear Sir or Madam:

    I went today to pay a bill and Aspen Dental, I was paying with my care credit and the bill was roughly $176.00. I was told that it’s Aspen dental’s policy and the computers would not allow anything less than $200 to be billed to care credit, last week I called care credit and they said that they could post any amount if there was a problem to call them. When I told them that I called Care Credit, I was told again that was Aspen dental’s policy not to charge anything less than $200 in the computers would not physically allow them to do that. Is that really the way that Aspen dental does business? If that is the case need to find a better business profile.

    Respectfully
    Michael J Flynn

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