Where to send your Old Navy credit card payment

Old Navy issues its credit card through Synchrony Bank, so your payment goes to Synchrony, not to Old Navy itself. You have four main ways to pay: online through your Synchrony account, by phone, by mail, or in person at an Old Navy store. The fastest and most common route is online, which posts to your account within one business day.

To pay online, log into your Synchrony account at synchronybank.com or through the Synchrony mobile app. You'll enter the amount you want to pay and choose whether to pay from a bank account or debit card. If you don't have an online account yet, you can set one up using your credit card number and Social Security number.

By phone, call Synchrony at the number on the back of your Old Navy credit card. A representative will take your payment information over the phone. This method works if you prefer not to set up an online account or if you have questions about your balance before paying.

Key Takeaways

  • Old Navy credit card payments are processed by Synchrony Bank, not Old Navy, so you send payment to Synchrony regardless of where you shop.
  • Online payment through your Synchrony account is the fastest method and typically posts within one business day.
  • You can also pay by phone using the number on your credit card, by mail to the address on your statement, or in person at an Old Navy store.
  • Your payment due date appears on your monthly statement, and paying at least the minimum by that date avoids late fees and protects your credit score.
  • Setting up automatic payments through your Synchrony account prevents missed payments and gives you control over the amount and date each month.

Paying by mail or at an Old Navy store

If you prefer to pay by mail, write a check or money order and send it to the address printed on your monthly statement. Include your account number on the check. Mail payments typically take 5 to 7 business days to reach Synchrony and post to your account, so send your payment well before your due date to avoid late fees.

You can also pay in person at any Old Navy store. Walk up to the customer service desk and tell them you want to make a credit card payment. They'll process your payment on the spot, though it may take a day or two to appear in your online account. This option works well if you're already shopping or if you want to hand over cash.

Setting up automatic payments

Automatic payments remove the risk of forgetting a due date. Log into your Synchrony account, go to the payments section, and select "Set Up Auto Pay." You'll choose whether to pay the full balance, the minimum payment, or a fixed amount you set yourself. You'll also pick the day of the month you want the payment to come out.

Most people choose to pay the full balance automatically each month so they don't carry interest charges. If you choose the minimum payment option, you'll still pay interest on any remaining balance. You can change or cancel automatic payments anytime through your account, and Synchrony will send you a confirmation email each time a payment is scheduled.

Understanding your due date and late fees

Your payment due date is listed on your monthly statement and typically falls 21 to 25 days after your statement closes. If you pay after this date, Synchrony charges a late fee. The amount varies but typically ranges from $25 to $40 for the first late payment, and higher amounts for repeat late payments within six months.

Late payments also hurt your credit score. Even one payment 30 days late can lower your score by 100 points or more and stays on your credit report for seven years. Paying at least the minimum by your due date protects both your wallet and your credit history.

What to do if you can't pay on time

If you know you won't be able to pay by your due date, contact Synchrony before the date passes. Call the number on your card and explain your situation. Synchrony may be willing to extend your due date by a few days or work out a payment plan, though they're not required to do so. Asking ahead of time is far better than letting a payment slip past the due date without notice.

If you've already missed a payment, call Synchrony as soon as you can to bring your account current. The sooner you pay, the less damage to your credit score. One late payment is recoverable; multiple late payments in a row can lead to account closure or legal action.

Checking your balance and payment history

Log into your Synchrony account anytime to see your current balance, available credit, and recent transactions. Your monthly statement also shows your balance, due date, minimum payment, and how much interest you've paid that month. Reviewing your statement each month helps you catch errors and track your spending.

Your payment history is visible in your online account under the transactions or payment history section. You can see which payments have posted, which are pending, and when each one cleared. This record is useful if you need to prove you made a payment or if you're disputing a charge.

Frequently Asked Questions

How long does it take for my payment to show up in my account?

Online and phone payments typically post within one business day. Mail payments take 5 to 7 business days. In-store payments may take a day or two. If you're paying close to your due date, use online or phone payment to make sure it arrives on time.

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

Yes. Go to the customer service desk and tell them you want to make a credit card payment. They can process cash, check, or debit card payments. The payment posts to your Synchrony account, though it may take a day or two to show online.

What happens if I pay more than my balance?

The extra amount becomes a credit on your account. You can use it toward future purchases, or you can request a refund from Synchrony. Contact them by phone or through your online account to request a refund check.

Do I have to set up an online account to pay my bill?

No. You can pay by phone, mail, or in person at an Old Navy store without an online account. However, an online account makes it easier to track your balance, see your due date, and set up automatic payments.

Is there a fee for paying online or by phone?

No. Synchrony does not charge a fee for online or phone payments. Mail and in-person payments are also free. Some third-party payment services charge fees, but paying directly through Synchrony costs nothing.