How do I talk to a human at this Synchrony Bank number?
A:Say "I don't have it" then "Yes" then "I don't know it" and "Yes"
Q:
Does this phone number work 24/7?
A:No. Hours for this phone number are Mon-Fri 7:30am-midnight, Sat 10am-7pm EST.The least busy day is Saturday, and the most busy day is Friday.See below for more and to learn where this data comes from.
Q:
How long will I have to wait to speak to Synchrony Bank General Inquiries?
A:The average hold time is 33 minutes.The longest hold times are on Wednesday, and the shortest are on Friday.
This is the #2 most popular Synchrony Bank phone number out of 6. Click above to go back to the main customer service number and other contact information, including Synchrony Bank email addresses, twitter handles, and live chat options.
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 know it" and "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:
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 card number or enter them using your phone keypad."
Excerpt from a call with Synchrony Bank
Monday, October 6, 2025 4:09 PM
They may ask you to say or enter information
"Thank you for calling Synchrony Bank.
First thing, let's bring up your account. Please say or enter your account or card number."
Excerpt from a call with Synchrony Bank
Monday, October 6, 2025 4:09 PM
What are the hours and when should I call?
Synchrony Bank operates the call center for this 866-419-4096 phone number Mon-Fri 7:30am-midnight, Sat 10am-7pm ET.The short answer is that you should call on a Thursday.This observation and the following section are based on analysis of a sample set of 150 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 Friday, which averages 311% more phone calls by comparison.Again, this is based on a sample of 150 calls made with our AI-powered, web-based phone in the last 90 days.
Mon
Tue
Wed
Thu
Fri
Busiest
Sat
Quietest
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.
The best time to call
In summation, the best day to call Synchrony Bank is Thursday.
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?
Inquire about account balance: "I wanna do my balance."
- From a call lasting 4m 29s , Oct 6, 2025 4:09 PM
Check validity inquiry: "I wanna know if it's valid."
- From a call lasting 30m 39s , Aug 28, 2025 2:32 PM
: ""
- From a call lasting 2m 38s , May 19, 2025 3:41 PM
Check card balance and due date: "Basically, what I've been trying to do is just get a balance on my card."
- From a call lasting 11m 41s , May 15, 2025 1:51 PM
Inquiring about card purpose: "I'm calling to find out what this card is for."
- From a call lasting 4m 23s , May 14, 2025 12:21 AM
Payment confirmation request: "I wanna make sure the payment went through."
- From a call lasting 4m 1s , Dec 27, 2024 10:20 PM
Make a payment: "I would like to make a payment, please."
- From a call lasting 9m 19s , Dec 20, 2024 1:27 AM
Account-related inquiry: "I'm calling to discuss my Synchrony Bank account."
- From a call lasting 5m 17s , Nov 20, 2024 6:29 PM
Payment for QVC bill: "I like to pay on the bill, you know, for QVC today."
- From a call lasting 3m 15s , Nov 16, 2024 7:36 PM
Questions about billing statement: "I was checking back to see if you had got that part, the fourteen ninety eight."
- From a call lasting 10m 37s , Jul 2, 2024 4:00 PM