Where to send your Old Navy credit card payment

The Old Navy credit card is issued by Barclays Bank Delaware, so you send payments to Barclays, not to Old Navy. You have three main ways to pay: online through your Barclays account, by phone, or by mail. The online method is fastest and shows up in your account when ready, while phone and mail payments take a few business days to post.

You can set up a one-time payment or recurring automatic payments through any of these methods. Most cardholders use the online portal because they can see their balance and payment history in one place, and they know right away whether the payment went through.

Key Takeaways

  • Log into your Barclays account online or through the Barclays mobile app to make a payment when ready without calling or mailing a check.
  • You can pay from a bank account, debit card, or credit card, though paying from a bank account avoids extra fees.
  • Phone payments go through Barclays customer service at the number on the back of your card, and the payment posts within one to two business days.
  • Mail payments should be sent to the address printed on your statement, and allow five to seven business days for the payment to reach and post to your account.
  • Setting up automatic payments through your Barclays account ensures you never miss a due date, though you can change or cancel the arrangement anytime.

Paying online through your Barclays account

Go to www.barclaysus.com and sign in with your username and password. If you do not have an online account yet, you can create one using your card number and other identifying information. Once you are logged in, look for "Make a Payment" or "Pay My Bill" — the exact wording varies depending on whether you are on a computer or phone.

Enter the amount you want to pay and choose your payment source. You can pay from a checking or savings account (which is free), or from a debit or credit card (which may carry a fee). Select your payment date — you can pay right away or schedule it for a future date. Review the details and confirm. The payment shows in your account when ready, though it may take one to two business days to fully post and reduce your balance.

The Barclays mobile app works the same way. read it from the Apple App Store or Google Play, sign in, and tap the payment option. Many people find the app easier because the payment button is usually on the home screen.

Paying by phone with Barclays customer service

Call the number on the back of your Old Navy credit card. A Barclays representative will ask for your account number and the amount you want to pay. They will confirm your payment source — bank account, debit card, or credit card — and the date you want the payment to go through. The call usually takes five to ten minutes.

Phone payments are processed the same day you call, but they take one to two business days to show up in your account. If you are close to your due date, calling is safer than mailing because you get confirmation when ready. Write down the confirmation number the representative gives you.

Paying by mail

Find the mailing address on your monthly statement — it is usually printed near the top or bottom of the page. Write a check or money order for the amount you owe, and include your account number on the check itself. Put the check in an envelope with your statement stub if you have one, or write your account number on a separate piece of paper.

Mail payments take five to seven business days to arrive and post to your account. If your due date is fewer than seven days away, do not use mail — use online payment or call instead. Keep a record of when you mailed the payment in case there is a question later.

Setting up automatic payments

Log into your Barclays account online and look for "Manage Automatic Payments" or "Autopay Settings." You can set up the payment to happen on a date you choose each month — for example, the 15th of every month. You decide whether to pay a fixed amount (like your minimum payment) or your full statement balance.

Automatic payments are useful if you want to avoid late fees and do not want to remember to pay each month. You can change the amount, pause the payment, or cancel it entirely anytime through your account. If you set autopay to pay your full balance, your account will show a zero balance after each payment posts.

What to do if your payment does not post

If you made a payment online or by phone and it has been more than two business days, log into your account and check the payment status. Barclays usually shows pending payments in a separate section so you can see where your money is. If the payment shows as pending, it will post within the next day or two.

If the payment shows as declined or failed, the most common reason is that your bank account or card information is outdated or your bank rejected it. Call Barclays customer service to find out why the payment did not go through, and they can help you try again with different payment information. If you mailed a check and it has been more than a week, call to confirm they received it.

Avoiding late fees and interest charges

Your payment is on time if it is received by your due date. The due date is printed on your statement and also shows in your online account. If you pay after the due date, Barclays charges a late fee (the amount varies by your card terms) and may raise your interest rate. Even a payment that is one day late counts as late.

If you are worried you will miss a due date, set up automatic payment or pay a few days early. Online payments show up the same day, so you can pay on the due date itself if you pay online. If you are already late, pay as soon as you can — the sooner you pay, the less interest you will owe going forward.

Frequently Asked Questions

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

No. Old Navy stores do not take credit card payments. You must pay through Barclays using one of the methods described here: online, by phone, or by mail. Paying in the store is not an option.

Is there a fee to pay my credit card online?

There is no fee if you pay from a bank account. If you pay from a debit card or credit card, Barclays may charge a convenience fee, usually between $1 and $3. The fee amount shows before you confirm the payment, so you can see it upfront.

What happens if I pay more than I owe?

The extra amount becomes a credit on your account. You can use it toward future purchases, or you can request that Barclays refund the overpayment to your bank account. Call customer service to request a refund if you prefer.

How do I know if my payment went through?

If you paid online, you will see a confirmation screen right away and a confirmation email within a few minutes. If you paid by phone, write down the confirmation number the representative gives you. If you paid by mail, your payment will show in your account within five to seven business days.

Can I change my automatic payment after I set it up?

Yes. Log into your Barclays account, go to the automatic payment settings, and change the amount, date, or payment source. You can also pause or cancel the payment entirely. Changes take effect on your next scheduled payment date.