Old Navy accepts payment through multiple channels, both online and by phone

You can pay your Old Navy credit card bill online through the Old Navy website, by phone, by mail, or in person at an Old Navy store. The fastest route is the online payment portal at oldnavy.com — you log in with your account credentials, navigate to the payment section, and submit payment when ready. Payments made online typically post to your account within one business day.

If you prefer not to use the website, you can call the customer service number on the back of your Old Navy credit card to make a payment by phone. A representative will walk you through the process and can answer questions about your balance or due date. Payments by phone are processed the same day you call, though they may take one to two business days to appear on your account.

Key Takeaways

  • Online payment through oldnavy.com is the fastest method and posts within one business day.
  • Your payment due date appears on your monthly statement, and paying by that date avoids late fees and interest charges.
  • You can set up automatic payments so your bill is paid on the same day each month without manual action.
  • Payments by mail should be sent at least one week before your due date to may support they arrive on time.
  • If you miss a payment, contact Old Navy customer service when ready — many issuers offer options to reverse a late fee if you call within a few days.

Setting up automatic payments to avoid missed due dates

Automatic payments remove the risk of forgetting your due date. Log into your Old Navy account online, find the autopay or automatic payment section, and choose the amount you want paid each month — you can select the full statement balance, a fixed dollar amount, or the minimum payment. You also choose the day of the month the payment should process.

Once autopay is active, the payment withdraws from your bank account on your chosen date each month. You can change or cancel autopay at any time through your online account. Many cardholders set autopay to the full statement balance so they carry no month-to-month debt, though you can adjust this if you prefer to pay over time.

Understanding your statement and due date

Your Old Navy credit card statement arrives each month and shows your current balance, minimum payment due, and the date by which payment must arrive. The due date is typically 21 to 25 days after your statement closes. Paying by this date means you avoid late fees and interest charges on new purchases.

If you pay only the minimum amount, interest accrues on the remaining balance at the card's annual percentage rate (APR). The APR for Old Navy credit cards varies based on your creditworthiness and current market rates — check your statement or account page to see your specific rate. Paying the full statement balance each month avoids interest entirely.

Mailing a payment by check or money order

If you prefer to pay by mail, your statement includes a payment coupon with the mailing address. Write your account number on the check or money order, include the coupon, and mail it at least one week before your due date to account for postal delays. Payments received after the due date incur a late fee, typically $25 to $40 depending on your card terms.

Do not mail cash. Use a check, money order, or electronic payment method instead. If you are unsure whether your payment arrived, log into your account online a few days after mailing to confirm the payment posted.

Paying in person at an Old Navy store

Some Old Navy locations accept in-store payments at the register. Call your local store before visiting to confirm they offer this service, as not all locations do. Bring your credit card or account number and the payment amount in cash, check, or debit card. In-store payments typically post within one to two business days.

This option works best if you are already shopping at Old Navy and want to make a quick payment. For regular monthly payments, online or automatic payment is more convenient and faster.

What to do if you miss a payment or cannot pay on time

If your payment is late, a late fee appears on your next statement and your interest rate may increase. Contact Old Navy customer service as soon as possible — if you call within a few days of the due date, the company may reverse the late fee as a one-time courtesy, especially if you have a good payment history. The sooner you call, the better your chances.

If you are struggling to pay your full balance, ask about a payment plan or hardship program. Some card issuers offer temporary relief such as lower interest rates or extended payment terms if you explain your situation. Making any payment, even a partial one, shows good faith and may prevent additional fees or account suspension.

Frequently Asked Questions

How do I find my Old Navy credit card account number?

Your account number appears on your physical credit card, on your monthly statement, and in your online account. If you cannot locate it, call the customer service number on the back of your card and a representative will provide it.

Can I pay my Old Navy card with a different payment method, like PayPal?

Old Navy's online payment portal accepts bank account transfers and debit or credit cards. PayPal is not a direct payment method through Old Navy, but you can use PayPal to fund your bank account and then pay Old Navy from that account.

What happens if I pay more than my statement balance?

Any overpayment creates a credit on your account that applies to future purchases or can be refunded to you. Log into your account to request a refund, or the credit will automatically explore to your next month's balance.

Is there a fee for paying online or by phone?

No. Old Navy does not charge a fee for online or phone payments. Paying by mail or in person also has no fee, though mailing costs postage.

How long does it take for a payment to show up after I submit it online?

Online payments typically post within one business day. If you submit payment after business hours or on a weekend, it may take until the next business day to process. Check your account the following day to confirm the payment posted.