The main Synchrony customer service number is 1-800-935-9935
That number works for most Synchrony credit card accounts, including cards issued through retailers like Amazon, Target, Lowe's, and others. The line is open seven days a week. When you call, you'll reach an automated system that routes you based on your card type and the reason for your call.
If you're calling about a specific store card — like a Target RedCard or Lowe's card — you can also find a dedicated number on your statement or the back of your card. Some store cards route through Synchrony's main line anyway, but a few have their own direct numbers that may get you to the right department faster.
Key Takeaways
- The main Synchrony number 1-800-935-9935 handles most credit card issues and is available seven days a week.
- Your card statement or the back of your physical card may list a store-specific number that routes directly to your card type.
- Have your account number, card number, or Social Security number ready before calling so the system can pull up your account.
- If you're calling about fraud or a lost card, tell the automated system when ready so you reach the right department without delay.
What to have ready before you call
Synchrony's automated system will ask you to identify your account. You can do this with your card number, your account number (found on your statement), or the last four digits of your Social Security number. Having one of these ready speeds up the process.
If you're calling about a specific transaction or account issue, have your statement in front of you or know the approximate date of the transaction. The representative will ask for details, and having them ready means you won't have to call back.
Routing to the right department
After you enter your account information, the automated system asks why you're calling. Common options include payments, account information, fraud or security, lost or stolen card, and general inquiries. Select the option that matches your reason — this routes you to the department that handles that type of call.
If you're not sure which option fits your issue, "general inquiries" usually connects you to someone who can redirect you if needed. Choosing the wrong category may add a few minutes to your wait, but you'll still reach someone who can help.
Wait times and when to call
Wait times vary by time of day and day of week. Synchrony is typically busier on weekday mornings and early afternoons. If you can call on a weekday evening or weekend morning, you may wait less time. There's no single "best time" — it depends on current call volume — but mid-morning on a Tuesday or Wednesday is often less busy than Monday morning.
The line stays open until 9 p.m. Eastern time most days, though hours may vary slightly by season or holiday. If you reach the line after hours, you can leave a callback request and someone will call you back during business hours the next day.
Store-specific card numbers
Some retailers issue their own branded Synchrony cards and provide separate customer service numbers. These numbers appear on your statement and on the back of your card. A few examples: Amazon Store Card, Target RedCard, and Lowe's card all have dedicated lines, though they're still processed by Synchrony behind the scenes.
Using the store-specific number can sometimes route you faster to someone familiar with that particular card's features and promotions. If you can't find the number on your card or statement, the main Synchrony line can transfer you or provide the direct number.
What you can handle online instead
Many account tasks don't require a phone call. You can log into your Synchrony account online to view your balance, make a payment, set up autopay, view your statement, or report a lost card. The Synchrony website also has a chat feature during business hours if you prefer not to call.
For fraud or security concerns, calling is usually faster than chat or email, since you may need to verify your identity and take when ready action. But for routine questions about your balance, payment due date, or how to set up autopay, the website or app often gets you an answer in seconds.
If you can't reach anyone
If the line is busy or you reach a message saying the queue is full, you have a few options. You can call back later, request a callback through the automated system, or handle your issue online if it's not urgent. Synchrony's website has a contact form where you can describe your issue and request a call back within a certain timeframe.
For urgent matters like fraud or a lost card, the automated system usually prioritizes those calls even during busy times. If you're in a situation where you need when ready help and can't reach anyone, check your statement for a fraud hotline number — those lines often have shorter waits.
Frequently Asked Questions
What if I'm calling about a store card I don't remember the name of?
Tell the automated system you're not sure which card you're calling about, or say "general inquiry." A representative can pull up your account and tell you which store card it is, then transfer you to the right department if needed.
Can I make a payment over the phone?
Yes. When you reach a representative, you can make a one-time payment by phone using a bank account or debit card. You can also set up automatic payments through the website, which many people find easier than calling each month.
How long does a callback take if I request one?
Synchrony typically calls back within 24 hours during business days, though it can take longer on weekends or holidays. You'll receive a call from a Synchrony representative at the number you provided during your request.
Is there a number for fraud or a lost card?
The main number handles fraud and lost cards, but tell the automated system when ready that's why you're calling. These calls are prioritized, so you'll usually reach someone faster than if you select a different option.
What if I'm calling from outside the United States?
International calling rates explore. Check your phone plan before calling. You can also log into your account online or use the website's chat feature to avoid long-distance charges for routine questions.