A:Calling this Lowe's Credit number should go right to a real human being.Our free phone can also navigate phone menus to get a live human at Lowe's Credit for you.
Q:
Does Lowe's Credit offer 24 hour customer service?
A:Yes! This call center operates 24 hours a day, 7 days a week.The least busy day is Sunday, and the most busy day is Thursday.Schedule a call when it's convenient for you.
Q:
How long will I wait on hold?
A:We don't expect that you will have to wait to talk to a person. This is a direct line.You can skip the hold time for free.
How do I get through the phone menu to a live person?
Consider using our free service that calls and talks to customer service for you, then sends you a report. Or use our free service that waits on hold and tells you when a human rep is on the line. But if those options don't appeal to you, our team has also documented the phone menu for Lowe's Credit below.
Our AI powered phone can dial, navigate the phone menu, wait on hold, and even talk to customer service for you, for free. You don't even need to learn about the path through the various phone options.
That same, free GetHuman Phone can call and navigate the menus and wait on hold for you, but you can opt to do all the talking. We notify you when a rep is on the line and ready to talk, so no need to worry about changing menu options and weaving your way through the maze.
Of course, we completely understand if you prefer to do all the dialing, waiting, and talking yourself. All of these free tools are optional.
GetHuman researchers routinely call this Lowe's Credit phone number to document the phone system.
Here is how our research team describes the way the Lowe's Credit phone system greets you: Credit Center - Please say or enter your account or card number.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest:Calling this Lowe's Credit number should go right to a real human being
Below are some clips we've found from Lowe's Credit's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:
Heard when the phone system first answers
"This entire call will be recorded and monitored.
All represent Synchrony Bank.
This is Kim.
Can I get your first and last name?
Synchrony Bank. This is Kim. Can I get your first and last name?"
Excerpt from a call with Lowe's Credit
Wednesday, January 17, 2024 12:55 AM
They may ask your reason for calling (instead of a menu)
"This entire call will be recorded and monitored.
Synchrony Bank. My name is Nain. Can I get your first and last name?
Thank you so much for that one, ma'am. And how can I help you?"
Excerpt from a call with Lowe's Credit
Wednesday, March 12, 2025 5:36 PM
They may ask you to enter information with the dial pad
"Let's try one more time. Let's try that one more time.
Please say your account or or card number or enter them using your phone keypad."
Excerpt from a call with Lowe's Credit
Tuesday, March 25, 2025 5:00 PM
They may ask you to say or enter information
"Welcome to Lowe's Credit Center.
First thing, let's bring up your account. Please say or enter your account or card number."
Excerpt from a call with Lowe's Credit
Tuesday, March 25, 2025 5:00 PM
In fact, much of this information on this page is superfluous because this Lowe's Credit phone number is a direct line to a human being. The line is well-staffed and you should anticipate a very short wait on hold or none whatsoever, as long as you are calling during business hours.
We don't know of any phone menus you would encounter when calling either.
What are the hours and when should I call?
Lowe's Credit operates the call center for this 800-444-1408 phone number 24 hours, 7 days.The short answer is that you should call on a Friday.This observation and the following section are based on analysis of a sample set of 2,587 calls made in the last 90 days using our free, web-based phone (see above).
Call when they- and you- are open
When you use our free AI-powered phone to call and talk, wait on hold, or navigate for you, you can also schedule the call with Lowe's Credit at a time when they are open and when it works for you. We will confirm you are ready before placing the call, just in case. That means you can "set it and forget it" ahead of time.
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Lowe's Credit phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Lowe's Credit staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.
The least busy time to call
The least busy day to call Lowe's Credit is Sunday.The most busy day to call is Thursday, which averages 85% more phone calls by comparison.Again, this is based on a sample of 2,587 calls made with our AI-powered, web-based phone in the last 90 days.
Sun
Quietest
Mon
Tue
Wed
Thu
Busiest
Fri
Sat
The shortest wait on hold
We measured the shortest hold times to be on Friday.The longest wait in the queue on average occurs on Tuesday, which is 324% longer than the minimum.As you can see, there is more fluctuation in hold time over the course of the week than there is in call volume.
In summation, the best day to call Lowe's Credit is Friday.It isn't the least busy day, but the fact that hold times are shortest combined with it being on the busy side tells us that Lowe's Credit staffs up on Friday to handle the higher call volume, and that makes it the best time to call.
Once again, please put this information in perspective because this phone number has no phone menu or long waits. It generally gets picked up right away if calling during their opening hours. If there is any way, it will typically be very short.
Why Customers Call Lowe's Credit
If you have time to do a bit of reading before you call Lowe's Credit, we recommend you read over some of our problem-specific articles.
Click the link above to get answers to just about any Lowe's Credit customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to Lowe's Credit, and their purpose. Are any of these similar to the reason you are trying to call?
Mail delay issue: "I mailed it on the fifth and it did not arrive until, I think it says, the nineteenth."
- From a call lasting 9m 50s , Mar 25, 2025 12:44 PM
Check status of card: "Can you check to see if I still have that card?"
- From a call lasting 2m 50s , Mar 14, 2025 2:45 PM
Payment assistance request: "I need to pay My card not reaching."
- From a call lasting 10m 26s , Mar 12, 2025 5:36 PM
Activate card and pay bill: "I just wanna activate my card and and pay the bill."
- From a call lasting 4m 25s , Mar 7, 2025 9:19 PM
Inquiring about debt: "I just got it on a credit report."
- From a call lasting 9m 35s , Mar 5, 2025 8:07 PM
Information about why customers call Lowe's Credit is extracted from issues that customers have reported to GetHuman.
As a last, sometimes only, resort- Lowe's Credit customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.
Conclusion and closing notes
This is Lowe's Credit's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Lowe's Credit agent. This phone number is Lowe's Credit's best phone number because 5,520 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-444-1408 include Lower my APR, Raise my credit limit, Cancel or change account, Complaint, Credit issue and other customer service issues. Rather than trying to call Lowe's Credit first, consider describing your issue first; from that we may be able to recommend an optimal way to contact them via phone or web. In total, Lowe's Credit has 1 phone number. It's not always clear what is the best way to talk to Lowe's Credit representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.
GetHuman does not provide call center services or customer support operations for Lowe's Credit. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Lowe's Credit. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.