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 can pay online through your Synchrony account, by phone, by mail, or in person at an Old Navy store. The method you choose affects how fast the payment posts and whether you can set it to happen automatically.
Online payment through Synchrony's website or mobile app is the fastest route — payments typically post within one business day. You'll need your Synchrony account login, which you set up when you opened the card. If you don't have an online account yet, you can create one at Synchrony's website using your card number and Social Security number.
Phone payments go to Synchrony's customer service line at 1-866-396-8254. A representative will take your payment information and process it over the phone. This method works if you don't have internet access or prefer speaking to someone, though it takes the same one business day to post as online payment.
Key Takeaways
- Payments go to Synchrony Bank (the card issuer), not Old Navy, and you can pay online, by phone, by mail, or at an Old Navy store.
- Online and phone payments post within one business day, while mailed payments take 5 to 7 business days depending on mail delivery time.
- 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 paying at least the minimum by that date keeps your account in good standing.
- Late payments are reported to credit bureaus after 30 days past due and can lower your credit score.
Mailing a check or money order
If you prefer to mail your payment, write a check or money order to Synchrony Bank and include your account number on the front. The mailing address is on your monthly statement under "Payment Address" — do not mail to an Old Navy store location. Mail typically takes 5 to 7 business days to arrive, so send it at least 10 days before your due date to avoid a late payment.
Include only your payment and your account number — do not send your statement itself or other documents. Put your account number in the memo line of the check so Synchrony can match the payment to your account quickly. If you're paying from a business account or using a money order, the same rule applies: write your account number clearly so there's no delay in posting.
Paying in person at Old Navy
You can walk into any Old Navy store and pay your Synchrony credit card bill at the register. Tell the cashier you want to make a credit card payment, and they'll process it through the store's payment system. This payment posts to Synchrony within one business day, the same as online or phone payment.
In-store payment works if you're already shopping or live near a store, but it's not faster than paying online or by phone. You'll need your card or account number, and the store will give you a receipt. This method does not work for paying someone else's card — you must be the cardholder or an authorized user on the account.
Setting up automatic payments
Automatic payments remove the risk of missing a due date. Log into your Synchrony account online or through the mobile app, go to the "Payments" or "Autopay" section, and choose how much you want to pay and what day of the month. You can set it to pay your full statement balance, a fixed dollar amount, or just the minimum payment.
Synchrony will deduct the payment from your bank account on the date you choose, every month. If you set it to pay your full balance, the payment will cover whatever your new balance is that month — useful if you want to avoid interest charges. You can change or cancel automatic payments anytime through your account, and Synchrony will send you a confirmation email when each payment is processed.
Automatic payment is especially helpful if you tend to forget due dates or want to avoid late fees. Even if you set up autopay, check your statement each month to make sure the payment went through and your balance is what you expected.
What happens if you miss a payment
If your payment doesn't arrive by the due date on your statement, Synchrony charges a late fee — the amount depends on your card terms but typically ranges from $25 to $40 for the first late payment. More importantly, a late payment stays on your credit report for seven years and can lower your credit score by 100 points or more, depending on how late it is.
After 30 days past due, the late payment is reported to the three major credit bureaus (Equifax, Experian, and TransUnion). After 60 days, Synchrony may increase your interest rate. After 120 days, the account may be sent to a collection agency. If you miss a payment, contact Synchrony as soon as possible — sometimes they can waive a single late fee if you have a good payment history and pay when ready.
Understanding your statement and due date
Your monthly statement shows your current balance, minimum payment due, and the due date — usually 21 to 25 days after your statement closes. The statement also lists every purchase, any interest charges, and your available credit. Your due date is the same each month unless you request a change.
The minimum payment is the smallest amount Synchrony requires you to pay to keep your account in good standing. Paying only the minimum means you'll pay interest on the remaining balance, and it takes much longer to pay off the card. Paying your full statement balance by the due date means you owe no interest, as long as you don't carry a balance from the previous month.
Frequently Asked Questions
Can I pay my Old Navy card at the register when I'm shopping?
Yes. Tell the cashier you want to make a credit card payment, and they'll process it at the register. The payment posts to Synchrony within one business day, the same as online or phone payment. You'll receive a receipt.
What if I pay online but the payment doesn't show up right away?
Online payments typically post within one business day, but it can take up to two business days depending on when you submit it and bank processing times. Check your Synchrony account a day or two later to confirm it posted. If more than two business days have passed and the payment still doesn't show, contact Synchrony customer service at 1-866-396-8254.
Can I change my due date?
Yes. Log into your Synchrony account online or call customer service at 1-866-396-8254 to request a different due date. Synchrony can usually move your due date by a few days, though they may not accommodate requests for dates very far in the future. The new due date takes effect on your next statement.
What if I want to pay more than my minimum payment?
You can pay any amount up to your full balance whenever you want, through any payment method. Paying more than the minimum reduces your balance faster and lowers the interest you owe. There is no penalty for paying early or paying more than required.
Does paying in store count the same as paying online?
Yes. In-store, online, phone, and mail payments all post to the same Synchrony account and count equally toward your balance. The only difference is how long each method takes — in-store and online are fastest (one business day), phone is also one business day, and mail takes 5 to 7 business days.