Call CareCredit customer service to request cancellation

To cancel your CareCredit card, call the customer service number on the back of your card or contact CareCredit directly at 1-800-677-0702. Have your account number ready. Tell the representative you want to close the account. They will confirm your identity, review your account balance, and process the cancellation request on the call.

CareCredit will not cancel your account if you have an outstanding balance. You must pay off what you owe before the account can be closed. If you have a promotional financing offer in progress, cancelling before the promotional period ends may trigger interest charges on the remaining balance — ask the representative what your current terms are before you proceed.

The representative will give you a confirmation number for the cancellation. Write it down. Ask them to confirm the effective date the account will close and whether any pending charges are still processing. Some transactions can take a few days to post, and you want to know if the account will stay open long enough for them to clear.

Key Takeaways

  • You must pay your full balance before CareCredit will close your account; you cannot cancel with an outstanding balance.
  • Closing the account before a promotional financing period ends may trigger deferred interest charges on the remaining balance.
  • Call 1-800-677-0702 with your account number ready and ask for a confirmation number and effective close date.
  • Check your credit report 30 to 60 days after closing to confirm the account shows as closed and the balance shows as zero.

What happens to your balance if you cancel

If you have a zero balance when you cancel, the account closes immediately and no further interest accrues. If you have a balance but no active promotional offer, standard interest charges continue to accrue on that balance until you pay it off — the account does not close until the balance reaches zero, even if you requested cancellation.

If you have a promotional offer (such as 0% financing for 12 months) and you cancel before the promotional period ends, CareCredit may apply deferred interest to your remaining balance. Deferred interest means you are charged all the interest that would have accrued during the promotional period, even though you were not paying it month to month. The amount can be substantial. Before you cancel, ask the representative whether you are currently in a promotional period and what the deferred interest charge would be if you close now.

Paying off your balance before closing

Make a payment online through your CareCredit account, by phone at 1-800-677-0702, or by mail to the address on your statement. Online payment usually posts within one business day. Phone payments post the same day if you call before the cutoff time (typically 8 p.m. Eastern). Mail payments take 7 to 10 business days to post.

If you are close to paying off the balance, wait until the payment clears before you call to cancel. This prevents the account from staying open longer than necessary while the payment processes. Check your online account or call customer service to confirm the balance is zero before you request the cancellation.

What happens after you cancel

CareCredit will send you a written confirmation of the cancellation within 7 to 10 business days. Keep this letter. The account will show as closed on your credit report, but it may take 30 to 60 days for the closed status to appear. During that time, the account will still show as open on your credit report, which is normal.

A closed account remains on your credit report for seven years from the date it was closed. This does not hurt your credit score — closed accounts with zero balances are treated the same as open accounts with zero balances. What matters is that the balance shows as zero and the account shows as closed with no delinquency.

If you see the account still reporting a balance 60 days after you cancelled, contact CareCredit immediately. Ask them to verify that the balance was paid in full and that the account was closed. Request written confirmation and ask them to correct your credit report if an error exists.

Cancelling before paying off a promotional balance

If you have a promotional offer and you want to close the account before the promotional period ends, you have two options: pay off the balance in full before cancelling, or keep the account open until the promotional period expires and the balance is paid off.

Paying off the balance in full before the promotional period ends avoids deferred interest charges. If the balance is large, this may not be realistic. In that case, keep the account open and continue making payments. Once the promotional period ends and you have paid the balance to zero, you can cancel without penalty.

If you cancel and deferred interest is applied, you will owe that charge immediately. You can dispute the charge by calling customer service, but CareCredit will point to the terms you agreed to when you opened the account. The dispute process can take 30 to 60 days. It is usually faster and cheaper to either pay off the balance before cancelling or to keep the account open until the promotional period ends.

Cancelling a card with no balance

If your balance is zero, the cancellation process takes one phone call. Call 1-800-677-0702, confirm your identity, and request the account be closed. The representative will process it immediately and give you a confirmation number. No balance means no complications — the account closes that day.

Even with a zero balance, ask the representative to confirm the effective close date and to note in the account that you requested the cancellation. This creates a record in case there are questions later about why the account was closed.

Frequently Asked Questions

Can I cancel my CareCredit card online?

No. CareCredit requires you to cancel by phone at 1-800-677-0702. You cannot cancel through the online account portal or by mail. The phone call ensures your identity is verified and the representative can review your balance and promotional terms before closing the account.

What if I have a pending charge that hasn't posted yet?

Ask the representative how long pending charges typically take to post. If a charge is still processing, the account may need to stay open a few more days. The representative can tell you the exact date the account will close to allow pending transactions to clear. Closing too early can cause pending charges to be rejected.

Will closing my CareCredit card hurt my credit score?

Closing an account with a zero balance has minimal impact on your credit score. Your credit utilization (the percentage of available credit you are using) may increase slightly if you have other open cards, but the effect is usually small. A closed account with zero balance stays on your report for seven years and does not damage your score.

What if CareCredit won't close my account because of a balance?

CareCredit will not close an account with an outstanding balance. You must pay the balance to zero first. If you are having trouble paying, contact CareCredit to discuss a payment plan. Once the balance reaches zero, call back and request the cancellation.

How do I know if my account is actually closed?

Check your credit report 30 to 60 days after cancellation. The account should show as closed with a zero balance. You can get a free credit report once per year from annualcreditreport.com. If the account still shows as open after 60 days, contact CareCredit and ask them to verify the closure and correct your credit report.