Synchrony Bank manages millions of accounts ranging from high-yield savings to major retail credit cards. Because Synchrony partners with so many brands, finding the right support line depends on your specific account type. This guide provides the direct numbers for all major Synchrony departments to help you get assistance fast.
Synchrony Bank Customer Support Number Directory
Below are the verified contact numbers for Synchrony Bank services as of 2026:
| Account or Card Type | Phone Number |
|---|---|
| Synchrony Bank Savings (High-Yield/CDs) | 1-866-226-5638 |
| CareCredit Customer Service | 1-866-893-7864 |
| Synchrony Mastercard® Support | 1-877-295-2080 |
| General Credit Card Assistance | 1-866-419-4096 |
| Business & Merchant Services | 1-800-333-1082 |
| Report Fraud or Identity Theft | 1-866-834-3205 |
| International Support | +1-937-534-3624 |
Note: If you have a store-branded card (like Amazon or Lowe's), you can also find a specific support number on the back of your physical card or on your most recent billing statement.
Visit Official Synchrony Contact Page
Synchrony Bank Support Hours (Eastern Time)
Synchrony offers 24/7 automated telephone banking, but live agents are available during the following windows:
- Savings & Banking: Mon–Fri 8:00 AM – 10:00 PM ET; Sat–Sun 8:00 AM – 5:00 PM ET.
- CareCredit Support: Mon–Sun 8:00 AM – Midnight ET.
- Credit Card Services: Generally 8:00 AM – Midnight ET (varies slightly by card).
You may also find helpful support pages for other banking and financial services.
Explore additional customer support guides for related services.
How to Talk to a Live Person at Synchrony Bank
Synchrony’s automated systems are designed to handle routine tasks, but if you need a human agent:
- Dial 1-866-419-4096 (for cards) or 1-866-226-5638 (for savings).
- When prompted for your account number, you can say "I don't have it" or simply wait without pressing any buttons.
- Once the main menu starts, say "Representative" or "Agent."
- Chat Option: Synchrony’s "Sydney" virtual assistant can often transfer you to a live chat agent faster than a phone call. Look for the chat icon on the MySynchrony login page.
Common Reasons to Contact Synchrony Support
- Locked Accounts: If you've had too many failed login attempts on the MySynchrony app.
- Credit Limit Increases: Requesting a higher limit for a major purchase (common for CareCredit users).
- Promotional Financing Questions: Clarifying "Deferred Interest" periods to avoid unexpected charges.
- Card Activation: Confirming receipt of a new or replacement retail credit card.
Frequently Asked Questions (FAQ)
What is the Synchrony Bank routing number?
The routing number for Synchrony Bank (Savings/Banking) is 021213591.
How do I report a lost Synchrony Bank card?
Call the specific department for your card immediately (e.g., 1-866-893-7864 for CareCredit). Most cards can also be "locked" or reported missing via the MySynchrony mobile app.
Can I pay my Synchrony bill over the phone?
Yes, you can use the automated system at 1-866-419-4096 to make a payment. Note that there may be a fee if you insist on making a payment through a live representative instead of the automated system.
