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Lost or Stolen Lowe’s Credit Card - What to Do Immediately

Losing your Lowe’s Credit Card or having it stolen can feel stressful, but Synchrony Bank makes reporting and replacement fast and free. Here is what to do right away to protect your account.

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Quick Answer

If your Lowe’s Credit Card is lost or stolen, call Synchrony immediately at 1-888-840-7651 or log in to lowes.syf.com to lock your card. Synchrony will block the card, issue a replacement (usually within 7 to 10 business days), and remove any unauthorized charges thanks to zero-liability protection.

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Step-by-Step: What to Do Right Now

1

Lock your card online

Log in at lowes.syf.com, go to Card Services, and click Lock Card to prevent new charges instantly.
2

Call Synchrony Bank

Dial 1-888-840-7651 (available 24/7) to report the loss or theft.
3

Verify recent transactions

Review recent activity for any unauthorized purchases with the representative.
4

Request a replacement card

Synchrony will mail a new card with a new number, usually within 7-10 business days.
5

Update autopay and stored payments

Update any subscription or autopay services that used your old card.
6

Activate the new card

Once your replacement arrives, activate it at lowes.syf.com/activate.

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Zero Liability Protection

You are not responsible for unauthorized charges on a lost or stolen Lowe’s Credit Card, as long as you report it promptly. Synchrony will investigate and remove fraudulent transactions from your account.

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How Long for Replacement?

  • Standard shipping: 7 to 10 business days (free)
  • Expedited shipping: 1 to 2 business days (fees may apply)

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Preventing Future Loss

Use Digital Wallets

Add your card to Apple Pay or Google Pay for safer contactless payments.

Set Purchase Alerts

Get real-time text alerts for every transaction.

Lock/Unlock Feature

Instantly lock your card via the app when you misplace it.

Regular Statement Review

Check statements monthly for unfamiliar charges.

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What if Someone Already Used My Card?

Dispute the unauthorized charges immediately:
  1. Log in to lowes.syf.com and navigate to Recent Transactions.
  2. Click Dispute next to the suspicious charge.
  3. Provide details about why the charge is fraudulent.
  4. Synchrony investigates within 30 to 90 days.
  5. Fraudulent charges are removed and credited back.

Customer Service

All Synchrony contact numbers.

Activate Your Card

Activate any new or replacement card.