Synchrony Bank Phone Number: Customer Service & Hours (2025)

You’ve got a Synchrony Bank card in your wallet — maybe an Amazon Store Card, a PayPal credit line, or a Care Credit account — and now you need to talk to a real person. The numbers are scattered across different pages, hours vary by department, and nobody wants to get stuck in an automated loop.

Main customer service line: 1-866-226-5638 ·
Hours (main line): Mon–Sat 8AM–12AM ET, Sun 11AM–9PM ET ·
International number: 937-534-3624 ·
Pay in Monthly program: 1-844-373-4960 ·
Amazon Card customer service: 1-866-634-5979 ·
New partner inquiries: 1-866-838-0655

Synchrony Bank Customer Service Phone Number and Hours

Whether you need balance info, account help, or want to speak with a banker, the primary number covers the most ground. Synchrony Bank’s official contact page lists 1-866-226-5638 as the central customer service line for savings products and general inquiries (Synchrony Bank – Contact Synchrony Bank). The same line handles payments for most credit card accounts.

Main customer service number for general inquiries

• General inquiries & savings: 1-866-226-5638
• Hearing-impaired assistance: Operator relay service (Synchrony Bank)
• If you can’t find the right department: 1-866-419-4096 (Synchrony Customer Service: Contact Us)

Hours of operation for the main line

Live bankers are available at 1-866-226-5638 according to this schedule (Synchrony Bank Contact Us):

• Monday – Saturday: 8:00 AM – 12:00 AM Eastern Time
• Sunday: 11:00 AM – 9:00 PM Eastern Time

Synchrony also notes that automated telephone service is available 24/7 for balance checks and PIN resets. However, IRA, Trust, and Business teams operate only on weekdays 8 AM–10 PM ET, and are not available during the Saturday/Sunday banker hours listed above (Synchrony Bank).

The implication: if you need specialized support, call Monday through Friday within traditional business hours.

How to call Synchrony Bank from outside the United States

If you’re traveling or living abroad, dial 937-534-3624 (standard international rates apply) (Synchrony Bank Contact Us). The same hours apply as the domestic main line.

The pattern is clear: one number works for most needs, but the window for specialized departments is narrower. If you need IRA, Trust, or Business support, call during weekday business hours only.

How to Reach a Live Person at Synchrony Bank

Getting past the automated menu is the most common frustration. Here’s the exact method that works based on customer reports and official system behavior.

Steps to bypass the automated menu

1. Dial the main number: 1-866-226-5638 (or your partner-specific number).
2. When the automated system answers, press 0 repeatedly or say “representative” clearly after the initial greeting.
3. If the system asks for an account number, try entering your phone number on file or say “I don’t have my account number.”
4. Stay on the line — you may be placed on hold; do not hang up and redial.

These steps have been shared across forums and confirmed by multiple callers. Synchrony’s system is designed to route you to a banker if you signal that you need human assistance (Synchrony Bank).

Best times to call to avoid long wait times

• Early morning, weekdays (8:00–9:30 AM ET) — least call volume, staff just starting shifts.
• Midweek (Tuesday–Thursday) — avoid Monday rush and Friday pre-weekend queue.
• Avoid lunch hours (12–1 PM ET) when staffing dips.
• Sunday afternoon (after 2 PM ET) — bankers are available but call volume is typically lower.

The trade-off: weekday early mornings give the best chance of a quick pickup, but weekend hours are limited to 8 AM–5 PM ET for bankers (not all departments available).

Synchrony Bank Phone Number for Making a Payment

If you need to make a payment by phone, the main number works for most accounts, but there is a dedicated line for installment plans.

Payment by phone number

For standard credit card payments, call 1-866-226-5638 and follow the prompts to make a payment. You’ll need your account number and bank routing details (Synchrony Bank).

Pay in monthly plan phone number

If you’re enrolled in Synchrony’s “Pay in Monthly” installment program, use the specific line: 1-844-373-4960 (Synchrony Customer Service: Contact Us). This team handles payment arrangements and plan questions directly.

The catch: using the dedicated installment line gets you to the right team faster than the general number. It saves 5–10 minutes of routing.

Synchrony Bank Phone Number for Specific Partner Cards (Amazon, PayPal, Care Credit)

Each major partner card has its own dedicated phone number. Using the right number first means faster service and fewer transfers.

Amazon Synchrony Bank phone number

Amazon Store Card and Amazon Secured Card holders should call 1-866-634-5979. This line is specifically for Amazon-branded accounts and is staffed during the general Synchrony hours (Synchrony Customer Service: Contact Us).

PayPal Synchrony Bank phone number

PayPal Credit accounts are serviced through Synchrony. For general PayPal Credit inquiries and payments, use 1-866-226-5638. If you have a “Pay in Monthly” installment plan, call 1-844-373-4960 (Synchrony Customer Service: Contact Us).

Care Credit Synchrony Bank phone number

Care Credit account management: 1-866-893-7864 (Synchrony Customer Service: Contact Us).

Care Credit account applications: 1-800-677-0718 (Synchrony Customer Service: Contact Us).

Care Credit enrolled providers: 1-800-859-9975 (Synchrony Customer Service: Contact Us).

Care Credit provider enrollment: 1-800-300-3046 (Synchrony Customer Service: Contact Us).

The catch: Care Credit splits its support into four different lines depending on whether you’re a cardholder, applicant, or healthcare provider. Always check the purpose before dialing.

Confirmed Facts vs. What’s Unclear

“A member of our team will assist in gathering the information needed to open a fraud claim.”

Synchrony Fraud Protection page

“Synchrony Bank is a consumer financial services company offering savings products and credit cards. The BBB profile lists alternate contacts including 800-333-1071 and 800-250-5411.”

BBB Business Profile – Synchrony Bank

For Synchrony cardholders, the best strategy is to use the partner-specific number first. If you need a live agent outside standard hours, the automated system can handle simple tasks — but complex issues will have to wait until a banker is available.

Frequently asked questions