The short answer
This charge represents a payment made to a Synchrony Bank CareCredit account, commonly used to finance expensive veterinary procedures or emergency clinic visits.
Why is CareCredit on my statement?
A line item labeled CARECREDIT*VET CLINIC on your bank statement indicates an outgoing CareCredit Credit Card Payment managed by Synchrony Bank. CareCredit is a dedicated healthcare credit card widely used across the United States to finance expensive veterinary procedures and emergency clinic visits. When you pay your monthly statement or set up autopay from your checking account, the transaction posts under this descriptor or aliases like SYNCB/CARECREDIT.
This charge appears because you or a co-signer enrolled in financing during an animal hospital appointment. Veterinary staff frequently suggest CareCredit at the checkout counter when unexpected pet care costs exceed immediate cash savings. The clinic receives its full payment directly from Synchrony Bank on the day of service. You then enter into an installment agreement with the bank, which pulls scheduled monthly payments for amounts like $150.00 until the balance is cleared.
Log in to your account at carecredit.com or mysynchrony.com to review your current balance and promotional financing terms. If you never visited an animal hospital or authorized a medical line of credit, treat this entry as potential identity theft. Because opening a CareCredit account requires a Social Security number, identity thieves sometimes open accounts to fund medical treatments. Call Synchrony Bank fraud support right away to freeze the line and dispute the account under federal consumer credit protection laws.
- Check Synchrony Portal Log into your CareCredit account online to view your total balance and promotional expiration dates.
Did my vet charge me twice?
No, the vet was paid in full by CareCredit at the time of service. You are now repaying CareCredit for the loan.
What happens if I miss a payment?
Missing a payment can void deferred interest promotions, causing all accrued interest from the date of purchase to be immediately added to your balance.
Managing deferred interest promotions
The primary feature of financing veterinary care through Synchrony Bank is a promotional deferred interest period, commonly spanning 6, 12, 18, or 24 months. If you settle the entire principal balance before that timeline concludes, no interest is assessed on the purchase. However, if even one dollar remains unpaid when the promotional window closes, retroactive interest dating back to the day of your initial clinic visit will be added to your balance at steep rates often exceeding 29%.
The minimum monthly payment shown on your billing statement is calculated by the bank to be too low to clear the debt within the promotion. To avoid severe deferred interest penalties, divide your starting vet bill by the total number of promotional months minus one. Set your monthly autopay to that larger number in the Synchrony portal so your balance reaches zero well before the deadline.
- Calculate Necessary Payment Divide your total vet bill by the promotional term length to find your true required monthly payment.
- Set Up Autopay Configure automatic payments through the Synchrony portal for that specific calculated amount.
Can I use CareCredit for normal vet checkups?
Yes, as long as the veterinary clinic is enrolled in the CareCredit provider network, you can use the card for routine visits.
Is this charge a scam?
If you never applied for a CareCredit card in a clinic or dental office, someone may have fraudulently opened an account in your name using your social security number.
Independent reference — not affiliated with Synchrony Bank. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- CareCredit Vet Info https://www.carecredit.com
- Synchrony Bank FAQ https://www.mysynchrony.com
Reviewed Aug 31, 2026 · high · About UnknownCharges