Synchrony Bank Customer Service

Phone Number & Contact Information

Toll-free·Calls Customer Service·Most popular Synchrony Bank number
Q:How do I get a live human at Synchrony Bank?
A:Say "I don't have it", then "Yes", then "I don't have it", then "Yes"
Q: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. Details
Q:How long will I have to wait on hold?
A:The average hold time is 1 minute and 19 seconds. The longest hold times are on Wednesday, and the shortest are on Friday.

More Synchrony Bank Customer Phone Numbers

866-419-4096 - General Inquiries
Toll-free · Say "I don't have it" then "Yes" then "I don't know it" and "Yes" ·
866-893-7864 - CareCredit Customer Service
Toll-free · For CareCredit customers ·
866-396-8254 - Member Services
Toll-free · Press Option 6 twice ·
866-226-5638 - Bank Deposit Accounts Customer Service
Toll-free · 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 real 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 Michael from fraud. Can I ask your name, please?
Thank you. How can I help?"
Excerpt from a call with Synchrony Bank
Wednesday, April 10, 2024 8:29 PM
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 1,372 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 132% more phone calls by comparison. Again, this is based on a sample of 1,372 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 401% 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
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 call this Synchrony Bank number?

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?
Inquiring about letter: "I'm just calling to get information about the letter they send you."
- From a call lasting 6m 45s , Apr 18, 2024 8:26 PM
Asking for payment assistance: "I do not have my card number. I'm going to pay my my what's this?"
- From a call lasting 2m 38s , Apr 18, 2024 5:03 PM
Updating personal information: "Could you use my Social Security instead?"
- From a call lasting 2m 39s , Apr 17, 2024 6:57 PM
Loan payoff inquiry: "I called them up and told them I wanna pay my you know, my loan off, and I did."
- From a call lasting 2m 54s , Apr 17, 2024 6:20 PM
Providing card number: "Okay. It's six five zero one seven two six two two."
- From a call lasting 4m 25s , Apr 16, 2024 5:36 PM
Payment inquiry: "Hi. I just got a text message from y'all saying that there was a problem with my payment."
- From a call lasting 8m 25s , Apr 15, 2024 9:34 PM
No clear purpose: ""
- From a call lasting 42s , Apr 13, 2024 12:48 AM
Combining two accounts: "I was wanting them to combine them together and make like, one payment of four hundred dollars a month."
- From a call lasting 16m 38s , Apr 12, 2024 7:47 PM
Account balance discrepancies: "How in the world do they look at an account and a balance jumps from three twenty nine to over a thousand dollars in less than a month."
- From a call lasting 59m 28s , Apr 12, 2024 4:59 PM
Questioning paycheck garnishment: "Synchrony is garnishing my paycheck and I'm wondering why."
- From a call lasting 4m 47s , Apr 11, 2024 7:32 PM

More Ways to Contact Synchrony Bank Customer Service

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's website
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 Account Setup, Statement Request, Account Access, Overcharge on Account, Cancel Account 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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