Where to send your Old Navy credit card payment

Old Navy credit card payments go to Synchrony Bank, the company that issues and manages the card. You can pay online through your Synchrony account, by phone, by mail, or in person at an Old Navy store. The method you choose affects when the payment posts and whether you can set it up to happen automatically.

Online payment through the Synchrony website or mobile app is the fastest route — payments typically post within one business day. Phone payments take the same amount of time to post but require you to speak with a representative. Mail and in-store payments take longer to process and should only be used if you cannot pay online or by phone.

Key Takeaways

  • Synchrony Bank processes Old Navy credit card payments, and you can pay online, by phone, by mail, or at an Old Navy store location.
  • Online and phone payments post within one business day, while mail payments typically take five to seven business days to reach your account.
  • You can set up automatic payments through your Synchrony account to pay a fixed amount or your full balance on a date you choose each month.
  • Your payment due date appears on your monthly statement and in your online account, and paying by that date avoids late fees and interest charges.
  • If you miss a payment, contact Synchrony as soon as possible — some late fees can be waived if you call within a short window after the due date.

Paying online or through the Synchrony app

Log into your Synchrony account at synchronybank.com or open the Synchrony mobile app on your phone. Enter your username and password, then select the Old Navy card from your accounts list. Click "Make a Payment" and enter the amount you want to pay — you can pay any amount from your minimum payment up to your full balance.

Choose your payment date. If you select today or tomorrow, the payment posts within one business day. If you schedule it for a future date, Synchrony will process it on that day. You will see a confirmation number on screen and receive an email receipt. Keep the confirmation number in case you need to track the payment later.

Setting up automatic payments

Automatic payments remove the risk of forgetting a due date. In your Synchrony account, go to "Manage Autopay" or "Automatic Payments" and select the Old Navy card. Choose whether you want to pay your full balance, a fixed dollar amount, or your minimum payment each month.

Select the day of the month when the payment should process — most people choose a date shortly after they receive income. Synchrony will deduct that amount from your bank account on that date every month until you cancel the autopay. You can change the amount or the date anytime by logging back into your account, and you can cancel autopay at any time without penalty.

Paying by phone

Call Synchrony's customer service line at the number on the back of your Old Navy credit card. A representative will ask for your account number and the amount you want to pay. Have your checking or savings account information ready if you want to pay from your bank account, or a debit card number if you prefer to pay that way.

Phone payments post within one business day, the same as online payments. You will receive a confirmation number during the call — write it down. Synchrony will send you an email confirmation as well. Phone payments are useful if you have questions about your account or need help setting up autopay, but online payment is faster if you know exactly what you want to do.

Paying by mail

Write a check or money order payable to Synchrony Bank. Include your account number on the check. Mail it to the address shown on your statement under "Payment Address" — this address is different from your billing address and changes depending on where payments are processed.

Mail payments take five to seven business days to arrive and post to your account. Because of this delay, mail payments should only be used if you cannot pay online or by phone. If your due date is within a week, do not use mail — the payment will not arrive in time to avoid a late fee. Always mail your payment at least ten days before your due date if mail is your only option.

Paying at an Old Navy store

Walk into any Old Navy location and ask a cashier or customer service associate to help you make a credit card payment. You can pay with cash, a debit card, or another credit card. The associate will process the payment at the register and give you a receipt.

In-store payments take three to five business days to post to your Synchrony account because the store must send the payment to the bank. Like mail payments, in-store payments should not be your first choice if your due date is soon. Use in-store payment only if you are already at Old Navy and cannot pay online or by phone.

Understanding your due date and late fees

Your payment due date appears on your monthly statement and in your Synchrony online account. Synchrony sends statements 21 days before the due date, giving you time to pay. If you pay by the due date, you avoid a late fee and interest charges on your balance.

If you miss the due date, Synchrony charges a late fee — the amount depends on your account history and state law, but typically ranges from $25 to $40 for a first late payment. Your interest rate may also increase. If you realize you have missed a payment, call Synchrony right away — some late fees can be waived if you call within a few days of the due date and have a good payment history.

What to do if you cannot pay the full amount

You must pay at least your minimum payment by the due date to avoid a late fee. Your minimum payment appears on your statement and in your online account. The minimum is usually around 1 to 3 percent of your balance, depending on how much you owe and your account terms.

If you pay only the minimum, you will owe interest on the remaining balance at your card's annual percentage rate (APR). The longer you carry a balance, the more interest you pay. If you are struggling to pay, contact Synchrony to discuss your options — some customers can request a temporary lower payment or a hardship plan, though approval is not may provide.

Frequently Asked Questions

How do I know if my payment went through?

Log into your Synchrony account and check your recent transactions — your payment should appear within one business day for online or phone payments, or three to seven days for mail or in-store payments. You will also receive an email confirmation. If you do not see the payment after the expected time, call Synchrony customer service.

Can I pay my Old Navy credit card with a different bank account?

Yes. When you make an online or phone payment, you can enter any checking or savings account number. The account does not have to be at the same bank where you have your Old Navy card. Synchrony will pull the payment from whichever account you specify.

What happens if I pay more than my balance?

If you overpay, Synchrony will hold the extra amount as a credit on your account. You can use that credit toward your next purchase or payment, or you can request a refund by calling customer service. Synchrony will not charge you interest on a credit balance.

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-store payments are also free, but they take longer to process. Some third-party payment services charge fees to pay your bill, so always pay directly through Synchrony or at an Old Navy store to avoid extra costs.

Can I change my payment due date?

You can request a different due date by calling Synchrony customer service. They can move your due date to a different day of the month if it helps you manage your budget. The change usually takes effect on your next billing cycle.