Synchrony Bank Customer Service

Phone Number & Contact Info

Synchrony Bank's Best Phone Number

Toll-free·Calls Customer Service·Most popular Synchrony Bank number

How do I talk to a live human at Synchrony Bank?

A:Say "I don't have it", then "Yes", then "I don't have it", then "Yes"

Does Synchrony Bank offer 24 hour customer service?

A:Not at this number; hours here are Mon-Fri 7:30am-midnight, Sat 10am-7pm EST. The least busy day is Saturday, and the most busy day is Thursday.

How long will I wait on hold?

A:The average hold time is 1 minute and 10 seconds. The longest hold times are on Wednesday, and the shortest are on Friday. How is this calculated?

Synchrony Bank Customer Phone Numbers

General Inquiries

Toll-free · Mon-Fri 7:30am-midnight, Sat 10am-7pm EST · Say "I don't have it" then "Yes" then "I don't know it" and "Yes" ·

CareCredit Customer Service

Toll-free · Mon-Fri 7:30am-midnight, Sat 10am-7pm EST · For CareCredit customers ·

GE Money Bank Customer Service

Toll-free · Mon-Fri 7:30am-midnight, Sat 10am-7pm EST · Direct Line ·

Member Services

Toll-free · Mon-Fri 7:30am-midnight, Sat 10am-7pm EST · Press Option 6 twice ·

Bank Deposit Accounts Customer Service

Toll-free · Mon-Fri 7:30am-midnight, Sat 10am-7pm EST · Say "I don't have it" then "Yes" then "I don't know it" and "Yes" ·

How do I get through the phone menu to a live person?

GetHuman researchers routinely call this Synchrony Bank phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Say "I don't have it", then "Yes", then "I don't have it", then "Yes"
Below are some clips we've found from Synchrony Bank'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. Synchrony Bank fraud department. This is Tony. If I may ask, for your first and last name, please? Synchrony Bank fraud department. This is Tony. If I may ask, your name, please?"
Excerpt from a call with Synchrony Bank
Saturday, January 27, 2024 8:52 PM

They may ask your reason for calling (instead of a menu)

"This entire call will be recorded and monitored.
Synchrony Bank. This is Ira from fraud solutions team. What is your first and last name?
Thank you, miss Nieves. How can I help you?"
Excerpt from a call with Synchrony Bank
Thursday, May 9, 2024 11:53 AM

They may ask you to enter information with the dial pad

"Thank you for calling Synchrony Bank. First thing, let's bring up your account. Please say enter your account or card number."
Excerpt from a call with Synchrony Bank
Tuesday, January 9, 2024 5:14 PM

They may ask you to say or enter information

"For example, you could say things like, I wanna pay my bill, or I lost my credit card. Could you try that again? Remember, you can say things like, check my balance or I lost my card."
Excerpt from a call with Synchrony Bank
Thursday, January 4, 2024 9:16 PM

What are the hours and when should I call?

Synchrony Bank operates the call center for this 800-250-5411 phone number Mon-Fri 7:30am-midnight, Sat 10am-7pm ET. 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 1,592 calls made in the last 90 days using our free, web-based phone (see above).
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 Synchrony Bank 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 Synchrony Bank 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 Synchrony Bank is Saturday. The most busy day to call is Thursday, which averages 168% more phone calls by comparison. Again, this is based on a sample of 1,592 calls made with our AI-powered, web-based phone in the last 90 days.

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 Wednesday, which is 527% 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.

The best time to call Synchrony Bank

In summation, the best day to call Synchrony Bank 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 Synchrony Bank staffs up on Friday to handle the higher call volume, and that makes it the best time to call.

Why Customers Call Synchrony Bank

If you have time to do a bit of reading before you call Synchrony Bank, we recommend you read over some of our problem-specific articles.

What are the interest rates for Synchrony Bank accounts?

The interest rates for Synchrony Bank accounts vary depending on the type of account and current market conditions. Synchrony Bank offers a range of deposit products, such as savings accounts, money market accounts, and certificates of deposit (CDs). These accounts provide competitive interest rates that are typically higher than traditional brick-and-mortar banks. The interest rates can be affected by factors such as the account balance, term length for CDs, and ongoing promotions. To ensure that you have the most accurate and up-to-date information regarding interest rates, it is recommended to visit the Synchrony Bank website or contact their customer service. Additionally, the website may provide details on any special offers or introductory rates.

Are there any fees associated with Synchrony Bank accounts?

No, Synchrony Bank does not charge any fees for its accounts. They are committed to providing a fee-free banking experience to their customers. This means that there are no monthly maintenance fees, minimum balance fees, or ATM fees when using their network of ATMs. Additionally, there are no charges for online banking services, bill pay, or incoming wire transfers. Synchrony Bank believes in transparency and aims to make banking hassle-free for its customers by eliminating unnecessary fees. They prioritize customer satisfaction by offering a range of competitive products and services without any associated fees, allowing customers to have peace of mind and full control over their accounts.

What is the minimum balance requirement for Synchrony Bank accounts?

There is no minimum balance requirement for Synchrony Bank accounts. Whether you have a checking or savings account, you are not obligated to maintain a specific minimum balance. This means you can open an account with any amount and still enjoy the benefits of the bank's services. Synchrony Bank aims to provide flexibility and convenience to its customers, ensuring that everyone can access and manage their funds without restrictions. Whether you're just starting to save or have a considerable balance, Synchrony Bank welcomes you to take advantage of their services and grow your finances at your own pace.

Top Synchrony Bank customer service problems

Click the link above to get answers to just about any Synchrony Bank 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 Synchrony Bank, and their purpose. Are any of these similar to the reason you are trying to call?
Confirming payment made: "I made a payment in the store and I want to make sure they receive it."
- From a call lasting 1m 32s , May 17, 2024 10:39 PM
Lower minimum payment request: "I recently lost my job and I'm trying to see if I can lower the minimum payment."
- From a call lasting 1m 5s , May 16, 2024 12:03 AM
Issue with CareCredit application: "I applied for CareCredit card but was denied due to prior satisfactory obligation that I am not aware of."
- From a call lasting 11m 58s , May 14, 2024 2:54 PM
Payment reconciliation: "I need my account to be cleaned."
- From a call lasting 15m 46s , May 14, 2024 2:32 PM
Language preference: "And you speak Spanish?"
- From a call lasting 3m 2s , May 13, 2024 7:50 PM
Assistance with account payment: "I made a purchase a couple months back, and I don't have my account number to ensure I don't miss a payment."
- From a call lasting 13m 8s , May 10, 2024 7:29 PM
Billing issue resolution: "I paid off the item and requested the account be closed, but I continue to be charged and now they say I owe money."
- From a call lasting 15m 58s , May 9, 2024 2:58 PM
Clarification on email: "I received an email from Synchrony Bank but unsure which account it refers to."
- From a call lasting 6m 30s , May 9, 2024 11:53 AM
Account closure inquiry: "The error message I get when I try to log in says the account may have been closed or blocked."
- From a call lasting 15m 28s , May 2, 2024 8:47 PM
Credit card payment inquiry: "I made two payments but the credit is not available, trying to find out why."
- From a call lasting 5m 11s , May 1, 2024 11:38 PM

More Synchrony Bank Customer Service Contacts

There are of course other ways to contact Synchrony Bank customer service besides the phone. Below we list the best ones, by medium.

Synchrony Bank Customer Help Desk / Web Support - Customer Service
Online customer service support
As a last, sometimes only, resort- Synchrony Bank 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 Synchrony Bank'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 Synchrony Bank agent. This phone number is Synchrony Bank's best phone number because 42,060 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 800-250-5411 include Cancel Account, Overcharge on Account, Account Access, Account Setup, Statement Request and other customer service issues. The Synchrony Bank call center that you call into has employees from Arizona, South Dakota, Ohio, Georgia and is open Mon-Fri 7:30am-midnight, Sat 10am-7pm ET according to customers. In total, Synchrony Bank has 6 phone numbers. It's not always clear what is the best way to talk to Synchrony Bank 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 Synchrony Bank. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Synchrony Bank. 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.

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