Where to send your Old Navy card payment
Old Navy issues its credit card through Synchrony Bank, so your payment goes to Synchrony, not to Old Navy itself. You can 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 logging into your Synchrony account at synchronybank.com and making a payment from there — it posts the same day if you pay before the cutoff time, which is usually 8 p.m. Eastern.
If you prefer to call, Synchrony's customer service number is on the back of your card. A representative can take your payment over the phone using a bank account or debit card. Mail payments take 7 to 10 business days to arrive, so send them early if your due date is coming up. Some Old Navy locations also accept in-store payments, though this is less common and you should call ahead to confirm your store does it.
Key Takeaways
- Your Old Navy card is managed by Synchrony Bank, so you pay Synchrony, not Old Navy directly.
- Online payment through synchronybank.com is the fastest method and usually posts the same day.
- Phone payments work if you have your bank account or debit card ready, and customer service is on your card's back.
- Mail payments take a week or more, so plan ahead if you use this method to avoid a late fee.
- Your due date and minimum payment appear on your monthly statement and in your online account.
Setting up automatic payments to avoid missed due dates
Synchrony lets you set up automatic payments so you never miss a due date. Log into your account, go to the payments section, and choose "Automatic Payments." You can set it to pay your full balance, a fixed amount, or just the minimum due each month. Most people choose the full balance so they do not carry interest charges month to month.
Automatic payments pull from your checking or savings account on the date you choose — usually a few days before your statement due date. This gives you a buffer in case something goes wrong. If your income varies or you want to skip a month, you can pause or cancel automatic payments anytime through your account, though you will need to make a manual payment that month to stay current.
Understanding your statement and due date
Your Old Navy card statement shows your opening balance, all purchases made that month, any fees or interest charges, your new balance, and your due date. The due date is the last day you can pay without triggering a late fee — usually 21 to 25 days after your statement closes. Your statement closing date and due date both appear at the top of your statement and in your online account.
The minimum payment is the smallest amount Synchrony will accept that month. Paying only the minimum means you carry the rest of your balance forward and pay interest on it. If you pay the full balance by the due date, you owe no interest. If you pay late, even by one day, Synchrony charges a late fee (usually $25 to $40 for the first late payment) and may raise your interest rate.
What happens if you miss a payment
If your payment does not arrive by the due date, Synchrony reports it as late to the credit bureaus after 30 days. A single late payment can lower your credit score by 100 points or more and stays on your credit report for seven years. Synchrony also charges a late fee on top of your balance and may increase your interest rate to a penalty rate, which can be 29% or higher.
If you realize you will miss a due date, call Synchrony before the date passes. Explain your situation — a one-time hardship or a recent job loss — and ask if they can waive the late fee or give you a few extra days. They cannot always do this, but many cardholders have had success asking. If you are already late, paying as soon as possible stops the damage from getting worse, though the late payment itself will still be reported.
Paying down your balance faster
If you carry a balance on your Old Navy card, the interest rate (called the APR, or annual percentage rate) is usually between 20% and 29%, depending on your credit score when you opened the account. This means a $500 balance costs you $8 to $12 per month in interest alone. The fastest way to lower your balance is to pay more than the minimum each month.
One strategy is to pay the minimum automatically each month, then make one or two extra payments when you have cash on hand. Another is to set your automatic payment to a fixed amount higher than the minimum — say $150 instead of $50 — so you pay down the balance steadily. A third option is to stop using the card while you pay it off, so new purchases do not keep the balance high. You can always use the card again once it is paid down.
Transferring your balance to a lower-rate card
If you have a large balance on your Old Navy card, you might save money by moving it to a different card with a lower interest rate or a 0% introductory period. A balance transfer card lets you move debt from one card to another, usually with a one-time fee of 3% to 5% of the amount transferred. If the new card offers 0% interest for 12 to 18 months, you can pay down the balance without interest charges during that time.
Balance transfers make sense only if you can pay off the balance before the introductory period ends. If you still owe money when the 0% period expires, the interest rate jumps to the card's regular APR, which can be just as high as your Old Navy card. You also need decent credit to be approved for a balance transfer card — usually a score of 670 or higher. If your score is lower, focus on paying down your Old Navy balance first, which will improve your score over time.
Frequently Asked Questions
Can I pay my Old Navy card at the store?
Some Old Navy locations accept in-store payments, but it is not standard at every store. Call your local Old Navy before you go to confirm they offer this service. Even if they do, paying online or by phone is faster and gives you an when ready confirmation number.
What time does my online payment post?
Online payments usually post the same day if you submit them before 8 p.m. Eastern time. Payments submitted after that time or on weekends may post the next business day. Check your Synchrony account to confirm the payment went through.
Will paying early hurt my credit score?
No. Paying early or paying more than the minimum does not hurt your score. It actually helps because it lowers your credit utilization — the percentage of your credit limit you are using — which is a factor in your credit score calculation.
What if I do not have a bank account to pay from?
You can pay by phone using a debit card, or by mail with a check or money order. Some Synchrony locations also accept cash payments in person, though this is rare. Call Synchrony to ask what payment methods are available in your area.
Can Synchrony take a payment directly from my paycheck?
No, Synchrony does not offer paycheck deduction. You can set up automatic payments from your bank account, or you can make manual payments whenever you want. Automatic payments are the closest option if you want payments to happen without you thinking about them each month.