A:Say "I don't have it", then "Yes", then "I don't have it", then "Yes".Our free phone can also navigate phone menus to get a live human at Synchrony Bank for you.
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 Friday.If the call center is closed, you can schedule a call.
Q:
How long will I wait on hold?
A:The average hold time is 2 minutes and 5 seconds.The longest hold times are on Saturday, and the shortest are on Tuesday.You can skip the hold time for free.
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" · · Free tools available: Talk for me, Skip the wait, Schedule my call
Toll-free · Mon-Fri 7:30am-midnight, Sat 10am-7pm EST · For CareCredit customers · · Free tools available: Talk for me, Skip the wait, Schedule my call
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" · · Free tools available: Talk for me, Skip the wait, Schedule my call
How do I get through the phone menu to a live person?
Consider using our free service that calls and talks to customer service for you, then sends you a report. Or use our free service that waits on hold and tells you when a human rep is on the line. But if those options don't appeal to you, our team has also documented the phone menu for Synchrony Bank below.
Our AI powered phone can dial, navigate the phone menu, wait on hold, and even talk to customer service for you, for free. You don't even need to learn about the path through the various phone options.
That same, free GetHuman Phone can call and navigate the menus and wait on hold for you, but you can opt to do all the talking. We notify you when a rep is on the line and ready to talk, so no need to worry about changing menu options and weaving your way through the maze.
Of course, we completely understand if you prefer to do all the dialing, waiting, and talking yourself. All of these free tools are optional.
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.
Thank you for calling Synchrony Bank fraud department, and I'll be assisting you further. Can I have your first and last please?
How can I help?"
Excerpt from a call with Synchrony Bank
Friday, May 31, 2024 7:19 PM
They may ask you to enter information with the dial pad
"I didn't get that.
Please say the last four of your socials or enter them using your phone keypad."
Excerpt from a call with Synchrony Bank
Thursday, December 5, 2024 5:20 PM
They may ask you to say or enter information
"Thank you for calling Synchrony Bank.
To speed things up, I used your phone number to look up the account.
Just need a little info. Please say or enter the last four digits of your Social Security number."
Excerpt from a call with Synchrony Bank
Monday, November 25, 2024 7:51 PM
They may need to look up your account
"This entire call will be recorded and monitored.
Thank you for calling Synchrony Bank. My name is Christina. May I please have your first and last name?
Alrighty, mister Modin. And do you happen to have your full account or card number?
Alright. I'm not gonna look at I can look up your account with your full social."
Excerpt from a call with Synchrony Bank
Tuesday, September 3, 2024 1:01 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 Tuesday.This observation and the following section are based on analysis of a sample set of 3,700 calls made in the last 90 days using our free, web-based phone (see above).
When you use our free AI-powered phone to call and talk, wait on hold, or navigate for you, it will automatically wait until the Synchrony Bank call center opens before trying to call. It will ask your permission before it places the call, so you can also further delay that scheduled call until you are ready. But that means you can "set it and forget it" ahead of time.
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 172% more phone calls by comparison.Again, this is based on a sample of 3,700 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 Tuesday.The longest wait in the queue on average occurs on Saturday, which is 186% 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.
In summation, the best day to call Synchrony Bank is Tuesday.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 Tuesday to handle the higher call volume, and that makes it the best time to call.
When you call the customer service line for Synchrony Bank, you're first greeted by an automated messaging system. It thanks you for calling in English, then offers a Spanish language option (press 5). Alternative language options are always appreciated as they help increase accessibility!
After presenting the Spanish language option, the system then asks you, verbally, if you have your account or card number handy. It instructs you to say "hold on" if you need time to find it. If you don't engage with the voice-activated system or are too slow, it instead asks you to enter your social security number. Thankfully, you're able to either say or enter your social security number, rather than just saying it. In my personal experience, voice-activated automated messaging systems are notoriously frustrating and unpredictable; I'd rather deal with a keypad and avoid the endless gauntlet of, "Sorry, I didn't quite catch that." So, I waited to see if the system would present a more standard phone menu.
If you don't say or enter a number—you also have the option to verbally say "I don't have it"—the request to enter it will repeat for a few cycles before the system attempts to engage in another manner. It gives a surprising number of suggestions, including but not limited to:
"I want to pay my bill"
"I lost my credit card"
"Check my balance"
"List transactions"
"Payments"
"Update my account"
"Lost or stolen card"
"Credit increase"
"Online assistance"
"Replacement cards"
"Customer service"
This is definitely appreciated, as the caller is informed of what sorts of statements will be (hopefully) registered and accepted. I also appreciate the system making multiple attempts to help the caller, whereas other systems will automatically terminate the call, sometimes in under sixty seconds.
I was able to navigate to a representative by selecting the "customer service" option, and the person I spoke to was awesome. Overall, calling Synchrony Bank wasn't the headache I typically expect a bank call to be!
Adam has been tirelessly trying to help customers find the best tips and tricks to get through phone trees and writing many guides for prickly customer service problems. He's been featured in the Wall Street Journal, Inside Edition and Bloomberg.
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.
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.
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.
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.
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?
Account closure inquiry: "I was calling because I made a payment on the ninth, December the ninth, and I don't have a payment that's due."
- From a call lasting 22m 34s , Dec 20, 2024 11:15 PM
Paying bill inquiry: "I wanna pay my bill."
- From a call lasting 16m 31s , Dec 20, 2024 9:59 PM
Account inquiry and cancellation: "I canceled that purchase because we had bought yeah?"
- From a call lasting 44m 6s , Dec 20, 2024 4:12 PM
Payment issue and account cancellation: "I need to pay it over the phone with a credit card."
- From a call lasting 9m 42s , Dec 20, 2024 3:43 PM
Applying for credit card: "I'm trying to get the Mastercard for Virgin."
- From a call lasting 5m 9s , Dec 19, 2024 11:17 PM
Credit line issue: "I guess, saying I'm not making my payments, but I'm making my payment on my stuff that I do have."
- From a call lasting 19m 50s , Dec 19, 2024 2:38 PM
Request for payoff statement: "I need a payoff statement emailed to me so I can have it soon because we are condensing debt."
- From a call lasting 14m 17s , Dec 19, 2024 1:39 PM
Open high yield savings: "I wanted to open a high yield savings account."
- From a call lasting 6m 38s , Dec 18, 2024 3:12 PM
Information about why customers call Synchrony Bank is extracted from issues that customers have reported to GetHuman.
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.
