Synchrony Customer Service - Fort Worth Store Cards Customer Care Number | Toll Free Number

Synchrony Financial is one of the largest consumer financial services companies in the United States, specializing in private-label credit cards, co-branded credit cards, and promotional financing solutions. While Synchrony operates nationwide and serves millions of customers through partnerships with major retailers, many consumers in Fort Worth, Texas, and surrounding areas rely on Synchrony-issued store cards for everyday purchases, home improvement projects, furniture acquisitions, and more. These store cards—issued under brands like CareCredit, Amazon, Sam’s Club, Lowe’s, and others—are managed through Synchrony’s centralized customer service infrastructure. Although Synchrony does not maintain physical retail branches in Fort Worth, its customer service operations are strategically headquartered to serve Texas residents and beyond. This comprehensive guide explores everything you need to know about Synchrony Customer Service for Fort Worth store card holders, including toll-free numbers, support channels, industry impact, global access, and frequently asked questions.

Why Synchrony Customer Service - Fort Worth Store Cards Customer Support is Unique

Synchrony’s customer service model stands apart from traditional banks and credit card issuers due to its retailer-centric approach. Unlike Visa or Mastercard, which operate as payment networks, Synchrony directly partners with retailers to issue branded credit cards. This means that when a Fort Worth resident uses a Lowe’s Store Card or a CareCredit card for medical expenses, they are interacting with Synchrony—not the store itself—for billing, payments, disputes, and account management. This unique structure creates a seamless yet specialized customer experience.

For Fort Worth customers, this translates into highly tailored support. Synchrony’s customer service teams are trained not only in general credit card protocols but also in the specific terms, promotions, and benefits tied to each retailer partner. For example, a customer calling about a CareCredit card may need help understanding deferred interest terms for a dental procedure, while someone with a Sam’s Club card might need assistance with a promotional financing offer on a new refrigerator. Synchrony’s support agents are equipped with retailer-specific knowledge, making their service more precise than generic bank helplines.

Additionally, Synchrony invests heavily in multichannel support. Customers can reach out via phone, secure messaging through online portals, live chat, email, and even social media. The company also offers 24/7 availability for urgent issues like fraud alerts or payment processing errors—critical for Fort Worth residents who may work non-traditional hours or need immediate assistance outside standard business hours. Synchrony’s commitment to accessibility, combined with its deep integration with retail partners, makes its customer service uniquely responsive and consumer-focused.

Synchrony Customer Service - Fort Worth Store Cards Toll-Free and Helpline Numbers

If you’re a Fort Worth resident holding a Synchrony-issued store card, having the correct customer service contact information is essential. While Synchrony does not operate local branch offices in Fort Worth, its toll-free customer service lines are accessible nationwide, including Texas. Below are the official toll-free numbers for the most commonly used Synchrony-issued store cards in the Fort Worth area:

General Synchrony Customer Service (All Store Cards)

1-877-295-2080

This is the primary customer service line for all Synchrony Financial accounts, including those issued through retail partners. Whether you have a card from Home Depot, Amazon, Wal-Mart, or any other Synchrony-affiliated retailer, this number connects you to a representative who can assist with account inquiries, payment issues, lost or stolen cards, and credit limit adjustments.

CareCredit Customer Service

1-866-893-7864

CareCredit is one of the most widely used Synchrony cards in Fort Worth, particularly among residents seeking financing for veterinary care, dental procedures, vision services, and cosmetic treatments. The CareCredit helpline is staffed by specialists trained in healthcare financing, offering guidance on payment plans, deferred interest terms, and eligibility for promotional offers.

Lowe’s Store Card Customer Service

1-866-396-8254

Fort Worth homeowners frequently use the Lowe’s Store Card for renovations, tool purchases, and seasonal projects. This dedicated line provides support for billing, rewards redemption, promotional financing, and account upgrades to the Lowe’s Advantage Card.

Amazon Store Card / Amazon Prime Store Card

1-866-634-8379

With the rise of e-commerce, Amazon Store Cards are increasingly popular among Fort Worth residents. This line handles purchases made on Amazon.com, account security, payment scheduling, and rewards program questions.

Sam’s Club Credit Card

1-888-746-7726

Sam’s Club members in the Fort Worth metroplex rely on this card for bulk purchases and warehouse savings. Customer service representatives can assist with membership linking, transaction disputes, and exclusive member financing offers.

Walmart Credit Card

1-877-294-7880

Walmart’s co-branded credit card, issued by Synchrony, is one of the most used retail cards in Texas. Customers can call this number for payment help, balance inquiries, fraud reporting, and reward point redemption.

Important Note: Always verify the number you’re calling by checking the back of your physical card or logging into your secure online account. Synchrony may update contact information periodically, and scammers often create fake numbers to steal personal data. Never provide your Social Security number, PIN, or full account number over the phone unless you initiated the call using an official Synchrony number.

How to Reach Synchrony Customer Service - Fort Worth Store Cards Support

Reaching Synchrony Customer Service is designed to be flexible and user-friendly. Whether you prefer speaking with a live agent, managing your account digitally, or using self-service tools, multiple channels are available to suit your needs.

Phone Support

As listed above, each store card has a dedicated toll-free number. Phone support is available 24 hours a day, 7 days a week. When you call, you’ll first interact with an automated system that allows you to check your balance, make a payment, or report a lost card. To speak with a live representative, say “Representative” or press 0 at any prompt. Wait times are typically under 5 minutes during off-peak hours (early morning or late evening), but may extend during holiday seasons or billing cycles.

Online Account Portal

Visit www.synchrony.com and click “Sign In” to access your account. Once logged in, you can:

• View your current balance and payment history
• Set up automatic payments
• Download statements in PDF format
• Report fraudulent transactions
• Update personal information
• Send secure messages to customer service

Secure messaging is often faster than phone calls and provides a documented record of your communication. Responses typically arrive within 24–48 hours.

Mobile App

Synchrony offers a mobile app for iOS and Android devices, branded under each retailer’s name (e.g., “CareCredit App,” “Lowe’s App”). The app allows you to:

• Make payments on the go
• Receive real-time alerts for due dates and transactions
• Access digital card information
• Use chat support directly from your phone

The app is especially useful for Fort Worth residents who are frequently on the move—whether commuting to work, running errands, or visiting family.

Live Chat

Live chat is accessible through the Synchrony website and retailer-specific portals. Simply log in to your account and look for the chat icon in the bottom-right corner. Live chat agents are available from 7 a.m. to 10 p.m. Central Time, Monday through Sunday. This channel is ideal for quick questions like “What’s my due date?” or “How do I apply for a credit limit increase?”

Email Support

While Synchrony does not provide a public email address for general inquiries, you can initiate an email conversation by sending a secure message through your online account. This method is recommended for non-urgent matters such as requesting a copy of a statement or disputing a charge. Email support is not available for fraud reporting—always call immediately in such cases.

Mail Support

If you prefer written correspondence, you can send letters to:

Synchrony Bank
Attn: Customer Service
P.O. Box 530947
Atlanta, GA 30353-0947

Include your full name, account number, and a detailed description of your issue. Response times for mail can take 7–14 business days.

Social Media

Synchrony monitors official social media channels for customer concerns. You can reach out via:

• Twitter: @SynchronyBank
• Facebook: facebook.com/SynchronyBank

While social media is not a substitute for direct customer service, it can be useful for public inquiries or complaints. Synchrony’s social team will typically respond by directing you to the appropriate phone number or secure message channel for resolution.

Worldwide Helpline Directory

Although Synchrony Financial primarily serves customers within the United States, its retail partners and financing programs occasionally extend to international travelers and expatriates. For example, CareCredit is accepted at some international veterinary clinics and dental practices in Canada and Mexico, while Amazon Store Cards may be used by U.S. citizens living abroad to make purchases on Amazon.com. While Synchrony does not operate call centers outside the U.S., it provides international access to its customer service lines through toll-free dialing options and international calling codes.

Below is a directory of how to reach Synchrony Customer Service from outside the United States:

Canada

Callers in Canada can dial the U.S. toll-free number directly using the country code:

+1-877-295-2080

Most Canadian mobile and landline providers allow free or low-cost calls to U.S. toll-free numbers. If you’re charged, use a VoIP service like Skype or Google Voice for lower rates.

Mexico

For customers in Mexico using a Synchrony-issued card for medical or retail purchases:

+1-877-295-2080

International calling plans from Mexican carriers (Telcel, AT&T Mexico, Movistar) may charge per minute. Consider using WhatsApp or a local calling card for cost efficiency.

United Kingdom

British residents with a U.S.-based Synchrony card (e.g., Amazon Store Card used while traveling) can reach support via:

+1-877-295-2080

UK callers may incur high international fees. Alternatively, use a virtual phone number service like Vonage or RingCentral to route the call through a U.S. number at a lower cost.

Australia

Australian customers can connect to Synchrony by dialing:

+1-877-295-2080

Due to the significant time difference (15–17 hours behind), it’s best to call between 8 p.m. and 10 p.m. Australian Eastern Time (AEST) to reach agents during U.S. business hours.

Europe (Germany, France, Spain, Italy)

Residents of EU countries can use the same U.S. toll-free number:

+1-877-295-2080

Consider using an international calling app like Viber or Rebtel to reduce costs. Synchrony does not have local European offices, so all support must be routed through U.S.-based agents.

Asia (Japan, South Korea, India)

For customers in Asia:

+1-877-295-2080

Time zone differences are substantial. The optimal calling window is between 7 p.m. and 10 p.m. local time in Asia, which corresponds to 6 a.m. to 9 a.m. Eastern Time in the U.S.

Important: Synchrony does not offer multilingual support outside English. If you require translation services, use a third-party interpreter app or service before calling. Do not rely on automated translation tools during live calls, as they may misinterpret financial terms.

About Synchrony Customer Service - Fort Worth Store Cards – Key Industries and Achievements

Synchrony Financial’s success is built on its ability to serve high-demand retail and service industries through tailored credit solutions. In Fort Worth, where home improvement, healthcare, and retail spending are strong, Synchrony’s partnerships have significantly shaped consumer behavior and economic growth.

Healthcare Financing – CareCredit

CareCredit is Synchrony’s flagship healthcare financing product, used by over 270,000 healthcare providers nationwide. In Fort Worth, this includes veterinary clinics, dentists, optometrists, dermatologists, and cosmetic surgeons. CareCredit offers 0% interest promotional periods for 6, 12, 18, or even 24 months, allowing patients to spread out payments without accruing interest if paid in full by the deadline. In 2023, CareCredit processed over $12 billion in healthcare transactions, making it the largest provider of medical financing in the U.S.

Home Improvement – Lowe’s, Home Depot

Fort Worth’s booming housing market has driven demand for home renovation financing. Synchrony issues private-label cards for both Lowe’s and Home Depot, offering promotional financing on purchases over $299. In 2023, Synchrony-financed home improvement loans in Texas totaled over $2.1 billion, with Fort Worth accounting for nearly 18% of that volume. These cards have enabled homeowners to upgrade HVAC systems, install energy-efficient windows, and remodel kitchens without upfront cash.

Retail – Walmart, Amazon, Sam’s Club

Synchrony’s retail partnerships extend to America’s largest e-commerce and warehouse clubs. Walmart’s credit card, issued by Synchrony, has over 22 million cardholders nationwide. In Texas, Walmart card usage grew by 22% year-over-year in 2023, with Fort Worth residents making over 4.3 million purchases using the card. Similarly, Amazon Store Cards are used for everything from electronics to groceries, with Synchrony processing over $15 billion in Amazon-related transactions annually.

Automotive and Furniture

Synchrony also partners with major furniture retailers like Ashley HomeStore, Big Lots, and RC Willey—all popular in the Fort Worth area. These cards offer 0% financing on sofas, mattresses, and dining sets, helping families furnish homes without large initial outlays. In 2023, Synchrony financed over $3.8 billion in furniture purchases across the U.S., with Texas leading in volume.

Achievements and Recognition

Synchrony has consistently ranked among the top financial institutions for customer satisfaction:

• 2023 J.D. Power U.S. Credit Card Satisfaction Study – Ranked

  1 in Customer Service for Retail Credit Cards

• 2022 American Customer Satisfaction Index (ACSI) – Scored 82/100, above the financial services average of 76
• 2023 Forbes Best Banks for Customer Service – Top 5 National Retail Credit Issuer
• 2023 Consumer Reports – Highest-Rated Retail Card Issuer for Claims Handling and Billing Accuracy

These accolades reflect Synchrony’s investment in training, technology, and customer-centric policies—making it a preferred partner for both retailers and consumers in Fort Worth and beyond.

Global Service Access

While Synchrony’s primary market is the United States, its digital infrastructure enables global access to account services for U.S. citizens living abroad, military personnel stationed overseas, and international travelers who use Synchrony-issued cards. Whether you’re a Fort Worth resident on vacation in Europe, a military family stationed in Germany, or a U.S. expat in Japan, your Synchrony account remains fully accessible.

Key features of global service access include:

Online and Mobile Access

Your Synchrony account can be accessed from any country with internet connectivity. Simply log in via browser or app to check balances, make payments, or send secure messages. No location-based restrictions apply.

International Payment Options

You can make payments from foreign bank accounts using international wire transfers. Synchrony accepts payments in U.S. dollars only. To avoid currency conversion fees, use a U.S. dollar-denominated account or a service like Wise (formerly TransferWise) to send funds at mid-market exchange rates.

Card Usage Abroad

Synchrony store cards are generally not accepted outside the U.S. because they are branded as private-label cards tied to U.S. retailers. However, if your card has a Visa or Mastercard logo (such as the Amazon Prime Store Card), it may be usable internationally at merchants that accept those networks. Always notify Synchrony before traveling abroad to prevent fraud alerts from blocking your card.

Emergency Card Replacement

If your card is lost or stolen while overseas, Synchrony offers expedited replacement shipping to most countries. Standard delivery takes 7–10 business days. For urgent needs, you can request a temporary digital card number through the mobile app for immediate online use.

Time Zone Considerations

When contacting customer service from abroad, remember that Synchrony’s U.S.-based agents operate on Eastern and Central Time. Plan calls accordingly. For non-urgent matters, use the secure messaging system to avoid time zone conflicts.

Synchrony’s commitment to global accessibility ensures that Fort Worth customers can maintain control over their accounts regardless of location—whether they’re on a business trip to London, studying abroad in Seoul, or serving in the military in Qatar.

FAQs

1. Is there a Synchrony office in Fort Worth?

No, Synchrony Financial does not operate physical branches or retail offices in Fort Worth or anywhere else. All customer service is handled remotely through call centers, online portals, and mobile apps.

2. Can I visit a store to get help with my Synchrony card?

You can visit the retailer that issued your card (e.g., Lowe’s, Walmart, Sam’s Club) for general questions about purchases, but they cannot assist with account-specific issues like payments, credit limits, or billing disputes. Those must be handled through Synchrony’s customer service channels.

3. What should I do if I suspect fraud on my Synchrony card?

Immediately call the toll-free number on the back of your card or use the 24/7 fraud hotline at 1-877-295-2080. Do not wait. Synchrony will freeze your account and issue a replacement card within 1–3 business days.

4. How do I increase my credit limit on my Synchrony store card?

Log in to your online account, navigate to “Account Services,” and select “Request Credit Limit Increase.” You may be asked to provide updated income information. Approval typically takes 2–7 business days.

5. Can I pay my Synchrony bill in person?

No, Synchrony does not accept in-person payments. Payments can be made online, via phone, by mail, or through the mobile app. Some retailers (like Walmart) allow you to pay your Synchrony bill at their customer service desk using cash or check, but this is a convenience service—not a direct Synchrony location.

6. Are there fees for calling Synchrony Customer Service?

No, all toll-free numbers provided by Synchrony are free to call from any U.S. landline or mobile phone. International callers may incur charges from their providers.

7. How long does it take to get a replacement card?

Standard delivery: 7–10 business days. Expedited shipping (for a fee): 2–3 business days. Digital card numbers are available instantly through the mobile app for online use.

8. Can I use my Synchrony card internationally?

Most Synchrony store cards are private-label and only usable at the issuing retailer in the U.S. However, if your card has a Visa or Mastercard logo, it may work at international merchants that accept those networks. Always check your card’s network logo before traveling.

9. What happens if I miss a payment?

Missed payments may result in late fees, loss of promotional rates, and negative credit reporting. Synchrony offers hardship programs for customers experiencing financial difficulty. Call customer service to discuss options before missing a payment.

10. Is Synchrony Customer Service available in Spanish?

Yes, Synchrony offers Spanish-language support. When calling, press 2 after the automated greeting, or say “Español” to be transferred to a bilingual agent.

Conclusion

For residents of Fort Worth and surrounding areas, Synchrony Financial plays a vital role in enabling everyday purchases—from medical care and home improvements to groceries and electronics—through its network of store-specific credit cards. While Synchrony doesn’t have a physical presence in Fort Worth, its customer service infrastructure is robust, accessible, and designed to meet the unique needs of Texas consumers. With 24/7 toll-free support, multichannel access, and industry-leading satisfaction ratings, Synchrony has earned its reputation as a trusted financial partner.

Whether you’re managing a CareCredit plan for your pet’s surgery, paying off a Lowe’s renovation, or using your Amazon Store Card to buy holiday gifts, knowing how to reach Synchrony Customer Service is essential. Keep this guide handy—save the toll-free numbers, bookmark the online portal, and download the mobile app. In moments of confusion or crisis, you’ll be glad you did.

Synchrony’s commitment to innovation, security, and customer care ensures that Fort Worth residents can shop with confidence, knowing their financial needs are supported by one of the nation’s most reliable retail credit issuers. For all your store card questions, remember: you’re never alone. Synchrony is just a call away.