Call Lowe's Credit Card Customer Service to Make a Payment
The phone number for Lowe's credit card payments is 1-866-208-4106. This line is run by Synchrony Bank, which manages the Lowe's credit card on behalf of Lowe's. You can call this number to make a one-time payment, set up automatic payments, or ask questions about your account balance and due date.
The line is open Monday through Friday, 8 a.m. to 8 p.m. Eastern time, and Saturday and Sunday, 9 a.m. to 6 p.m. Eastern time. Have your card number and the amount you want to pay ready before you call. The system will ask you to verify your identity using your Social Security number or the last four digits of your card.
If you are calling from outside the United States, you can reach the international line at 1-803-749-4040. This number may have different hours and may charge international calling rates depending on your phone plan.
Key Takeaways
- Call 1-866-208-4106 to pay your Lowe's credit card by phone during business hours Monday through Friday, 8 a.m. to 8 p.m. Eastern, or Saturday and Sunday, 9 a.m. to 6 p.m. Eastern.
- Have your card number, account information, and the payment amount ready before calling to speed up the process.
- You can make a one-time payment or set up automatic recurring payments through the phone line.
- Synchrony Bank operates the payment line, not Lowe's directly, so you will be speaking with a Synchrony representative.
What Information You Need Before Calling
Gather these details before you dial so the call moves faster. You will need your Lowe's credit card number or the phone number associated with your account. The representative will use one of these to pull up your account.
Have the amount you want to pay decided in advance. You can pay any amount from your minimum payment up to your full balance. If you do not know your balance or minimum payment, the representative can tell you both during the call.
You may also want to have your bank account information ready if you are paying from a checking or savings account rather than another credit card. The system will ask for your routing number and account number. If you are paying with a debit card or another credit card, have that card number available instead.
Making a One-Time Payment Over the Phone
When you call 1-866-208-4106, the automated system will walk you through the payment process. Press the option for making a payment when prompted. The system will ask you to enter your card number or account information to verify your identity.
Once your account is pulled up, you will see your current balance and minimum payment amount. Tell the system how much you want to pay. You can pay any amount between your minimum and your full balance, or you can pay more than your full balance if you want to prepay future charges.
The system will then ask for your payment method. You can pay from a bank account, a debit card, or another credit card. Enter the requested information and confirm the payment amount one more time before submitting. The system will give you a confirmation number — write this down for your records.
Setting Up Automatic Payments
If you want your payment to happen the same day each month without calling again, you can set up automatic payments on the same phone line. When you reach the menu, select the option for automatic or recurring payments instead of a one-time payment.
The system will ask you to choose a payment date between the 1st and the 28th of each month. Pick a date that gives you time to have funds in your account before your bill is due. You will also choose the payment amount — you can set it to your minimum payment, a fixed dollar amount, or your full statement balance each month.
Automatic payments take effect on your chosen date each month. You can call back anytime to change the amount, the date, or to stop the automatic payment. Synchrony will send you a confirmation of the setup, usually by mail within a few days.
Other Ways to Pay Your Lowe's Credit Card
Phone payment is one option, but you have other routes depending on what works for your schedule. You can pay online through the Synchrony website by logging into your account at mysynchrony.com. Online payment usually posts the same day if you submit it before the cutoff time, which varies by day of the week.
You can also mail a check to the address on your statement. Write your account number on the check and mail it to the address listed under "Payment Address" on your bill. Mail payments take 7 to 10 business days to post, so send them early if your due date is coming up.
Some Lowe's stores accept in-person credit card payments at the customer service desk, though this is not available at all locations. Call your local store ahead of time to confirm they offer this service before you visit.
What to Do If You Cannot Reach Customer Service
If the phone line is busy or you are calling outside business hours, you have other options. The Synchrony website at mysynchrony.com is open 24 hours a day, and you can log in and make a payment anytime without waiting on hold.
You can also mail your payment to the address on your statement. If your payment is due soon and you cannot reach the phone line, mailing a check or paying online will be faster than waiting for the next business day to call.
If you have a question that requires speaking to a representative and the phone line is closed, send a message through your online account. Synchrony typically responds to account messages within one business day during the week.
Frequently Asked Questions
Will my payment post the same day if I call?
Same-day posting depends on when you call. Payments made before 8 p.m. Eastern on a business day usually post the same day. Payments made after 8 p.m. or on weekends typically post the next business day. Ask the representative for the exact posting date when you make your payment.
Can I pay someone else's Lowe's credit card by phone?
No. The phone system requires you to verify your identity using your Social Security number or card information. You can only pay an account you own. If you are an authorized user on someone else's account, you may be able to pay it, but you will need to contact Synchrony to confirm.
What if I pay more than my balance?
If you pay more than your current balance, the extra amount becomes a credit on your account. You can use this credit toward future purchases, or you can call back and request a refund of the overpayment. Synchrony will mail a check for the credit if you request one.
Is there a fee for paying by phone?
No. Synchrony does not charge a fee for phone payments on the Lowe's credit card. You will not be charged for calling the payment line or for making a payment, regardless of the payment method you use.
Can I change my automatic payment after I set it up?
Yes. Call the same number (1-866-208-4106) and select the option to modify automatic payments. You can change the payment date, the payment amount, or stop the automatic payment entirely. Changes usually take effect within one to two business days.