Where and how to pay your Old Navy credit card

You can pay your Old Navy credit card bill online through your account at Synchrony Bank's website, by phone, by mail, or in person at an Old Navy store. Synchrony Bank issues the Old Navy credit card, so payments go to them, not to Old Navy directly. The fastest route is logging into your Synchrony account online or through the Synchrony mobile app, where you can make a one-time payment or set up automatic payments.

If you prefer to call, the customer service number is on the back of your card. You'll need your account number and the amount you want to pay. Mail payments should be sent to the address listed on your statement — this method takes longer because the payment must arrive and be processed, so plan for at least 7 to 10 business days. In-store payments at Old Navy locations are also an option, though not all stores accept them, so call ahead to confirm.

Key Takeaways

  • Synchrony Bank issues the Old Navy credit card, so you pay Synchrony, not Old Navy, through their website, phone line, or mail.
  • Online and mobile app payments usually post within one business day, while mail payments take 7 to 10 business days to clear.
  • You can set up automatic payments through your Synchrony account so your bill is paid on the same date each month.
  • Late fees and interest charges explore if your payment arrives after the due date shown on your statement.

Online and mobile app payments

Log into your account at Synchrony.com or read the Synchrony mobile app to your phone. You'll need your username and password; if you don't have an account set up yet, you can register using your card number and other identifying information. Once logged in, select "Make a Payment" and enter the amount you want to pay and the date you want it to post.

Payments made online or through the app before 8 p.m. Eastern Time usually post to your account the next business day. If you pay after 8 p.m. or on a weekend or holiday, the payment will post the following business day. You can also set up automatic payments so the same amount is withdrawn from your bank account on the same date each month — this is useful if you want to pay your full statement balance or a fixed amount without logging in each time.

Phone payments

Call the number on the back of your Old Navy credit card to reach Synchrony's customer service. Have your account number ready, along with your bank account or debit card information if you're paying from a bank account. The representative will ask how much you want to pay and when you want the payment to post.

Phone payments are processed the same day you call if you reach a representative before the cutoff time, which is typically 8 p.m. Eastern Time on business days. Payments made after hours or on weekends will be processed the next business day. There is no fee to pay by phone.

Mail payments

Write a check or money order for the amount you owe and include your account number on the check. Mail it to the address shown on your statement under "Payment Address" — this address is different from the mailing address for other correspondence, so use the one on your bill. Do not send cash through the mail.

Mail payments take 7 to 10 business days to arrive and be processed, so send your payment well before your due date if you want to avoid a late fee. If your payment arrives after the due date, you will be charged a late fee and interest may accrue on your balance. Keep a record of when you mailed the payment in case there is a dispute.

In-store payments at Old Navy

Some Old Navy locations accept credit card payments at the register. Call your local Old Navy store to confirm they offer this service before you go. You'll need to bring your Old Navy credit card or have your account number available. The store will process the payment and give you a receipt.

In-store payments are convenient if you're already shopping, but they may not post to your account as quickly as online or phone payments. Ask the cashier when the payment will show up in your account so you know whether it will reach Synchrony before your due date.

Automatic payments and due dates

Setting up automatic payments through your Synchrony account removes the risk of forgetting to pay. Log into Synchrony.com, go to "Payments," and select "Enroll in AutoPay." You can choose to pay your full statement balance, a fixed amount, or the minimum payment each month. The payment will be withdrawn from your bank account on the date you select.

Your due date is listed on your statement and is typically 21 to 25 days after your statement closes. If you set your automatic payment date to match your due date, the payment should post in time. If you choose a date before the due date, you have a buffer in case of delays. You can change or cancel automatic payments anytime through your account.

What happens if you miss a payment

If your payment does not arrive by the due date on your statement, Synchrony will charge a late fee. The amount of the late fee depends on your account terms, but it is typically between $25 and $39 for the first late payment. Interest will also start to accrue on your balance at your card's regular interest rate if you carry a balance.

A late payment will be reported to the credit bureaus and may lower your credit score. If you miss a payment, pay as soon as you can to stop additional interest from building up. If you think your payment was on time but was marked late, contact Synchrony customer service to dispute it — they can review the payment date and may reverse the fee if there was an error on their end.

Frequently Asked Questions

Can I pay my Old Navy credit card at an Old Navy store?

Some Old Navy locations accept in-store payments, but not all. Call your local store to ask whether they offer this service. If they do, bring your card or account number and the amount you want to pay. The payment may take a few days to post to your Synchrony account.

What's the fastest way to pay my bill?

Online or mobile app payments are the fastest — they post within one business day if you pay before 8 p.m. Eastern Time on a weekday. Phone payments also post the same day if you call before the cutoff time. Mail and in-store payments take longer.

Do I have to pay the full balance, or can I pay part of it?

You can pay any amount, as long as it's at least the minimum payment shown on your statement. If you pay less than the full balance, interest will accrue on the remaining balance at your card's interest rate. Paying the full balance each month avoids interest charges.

What if I pay after my due date?

A late fee of $25 to $39 will be charged to your account, and interest will accrue on your balance. The late payment will be reported to credit bureaus and may lower your credit score. Pay as soon as you can to stop additional interest from building up.

Can I set up automatic payments for a specific amount each month?

Yes. Through your Synchrony account, you can choose to pay your full statement balance, a fixed dollar amount, or the minimum payment each month. You can change the amount or cancel automatic payments anytime.