CareCredit is a nightmare. Don't use them.
If they do not receive your payment by 5 pm on the due date you get dinged for a late payment. There is no forgiveness or give in their system unlike every other company that gives you at least a few days between "due" and "late." Plus, their website is impossible to use. And you can count on spending 10-15 minutes on their automated phone system trying to make a payment. If it (their automated system) kicks you out to an agent (which is a near certainty given how awkward it is) you guessed it.
You get hit with a penalty for the pleasure of talking to one of their trained monkey-agents. Don't use CareCredit under any circumstances.