Where and how to pay your Old Navy card
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 — log in to your account, find the payments section, and enter your payment amount and bank details. You'll see the payment post within one to two business days.
If you prefer to call, the customer service number is on the back of your card. A representative can take a one-time payment over the phone using your checking or savings account. Payments made by phone typically post the next business day if you call before 8 p.m. Eastern time.
Mail payments should be sent to the address printed on your monthly statement — never to a store location. Include your account number and the payment amount, and allow 7 to 10 business days for the check to arrive and post. In-store payments at Old Navy locations are also an option; ask a cashier to direct you to the customer service desk.
Key Takeaways
- Online payment through oldnavy.com is the fastest method and posts within one to two business days.
- Phone payments using your bank account can be made by calling the number on your card and typically post the next business day.
- Mail payments require 7 to 10 business days to arrive and post, so send them well before your due date to avoid late fees.
- Your monthly statement shows the mailing address for payments and your current balance, due date, and minimum payment.
- Late payments trigger a fee and can raise your interest rate, so set a reminder for your due date if you pay by mail or phone.
Understanding your due date and payment important date
Your due date appears on your monthly statement and is usually the same day each month. A payment is on time if it posts to your account by 11:59 p.m. Eastern time on that date. If your due date falls on a weekend or holiday, the important date moves to the next business day.
A late fee applies if your payment posts after the due date. The amount varies but typically ranges from $25 to $40 for the first late payment. If you miss a payment by 30 days or more, the card issuer may also raise your interest rate, which affects how much interest you pay on any remaining balance.
If you know you'll miss a due date, contact customer service before the date arrives. Some cardholders can request a one-time due date change or a short extension, though this is not may provide. It's better to ask than to let a payment become late.
Automatic payments and setting up autopay
Setting up automatic payments removes the risk of forgetting your due date. Log into your account on oldnavy.com, go to the payments section, and choose "Set up automatic payment." You'll enter your bank account details and select whether you want to pay the full statement balance, the minimum payment, or a fixed amount each month.
Automatic payments deduct from your bank account on your chosen date each month. If you set autopay for your full balance, you'll pay no interest on purchases. If you set it for the minimum payment, you'll carry a balance and pay interest, but you'll avoid late fees.
You can change or cancel automatic payments anytime through your online account. If your bank account changes, update your payment method in your account settings to prevent failed payments. A failed automatic payment may trigger a late fee, so confirm the update went through before your due date.
What happens if you miss a payment
If your payment is 30 days late, the late payment appears on your credit report and stays there for seven years. This can lower your credit score and make it harder to borrow money in the future. The card issuer may also freeze your account, preventing new purchases until you bring the balance current.
If your account reaches 60 or 90 days past due, the card issuer may close the account and send your debt to a collection agency. At that point, you owe not just the balance but also collection fees and potentially court costs if the agency sues.
If you fall behind, contact Old Navy customer service when ready. Some cardholders can negotiate a payment plan or a temporary reduction in the interest rate. The sooner you reach out, the more options you may have.
Paying more than the minimum to reduce interest
The minimum payment is the smallest amount you can pay without triggering a late fee, but it's rarely enough to pay off your balance quickly. If you carry a balance, paying only the minimum means most of your payment goes to interest rather than reducing what you owe.
Paying more than the minimum shrinks your balance faster and saves you money on interest. For example, a $1,000 balance at 24% interest costs roughly $240 per year in interest if you pay only the minimum. Paying an extra $50 per month cuts that interest cost significantly and gets you out of debt months sooner.
You can pay more than the minimum anytime through your online account or by phone. There's no penalty for paying early or paying extra. If you're trying to pay off the card, aim to pay at least enough to cover the interest charge plus a portion of the principal each month.
Disputing charges and payment problems
If you see a charge on your statement that you don't recognize or believe is wrong, contact customer service within 60 days of the statement date. Explain the charge and why you dispute it. The card issuer will investigate and either remove the charge, adjust it, or explain why it's correct.
While a dispute is being investigated, you don't have to pay that charge. However, you should still pay the rest of your bill on time to avoid late fees and interest on the undisputed balance.
If a payment posts incorrectly — for example, if you paid online but the payment doesn't show up — contact customer service with your confirmation number. Keep records of all payments you make, including confirmation numbers from online payments and check numbers from mailed payments. These documents prove you paid if a dispute arises.
Frequently Asked Questions
Can I pay my Old Navy card at a store?
Yes, you can make a payment at the customer service desk in any Old Navy store. Bring your card or account number and the cash or debit card you want to pay with. In-store payments typically post within one to two business days, similar to online payments.
What if I pay online but my payment doesn't show up?
Check your confirmation number and the date you submitted the payment. Online payments usually post within one to two business days. If more than two business days have passed and the payment still doesn't appear, contact customer service with your confirmation number. They can trace the payment and correct any errors.
Does paying early hurt my credit score?
No. Paying early or paying more than the minimum has no negative effect on your credit. In fact, paying down your balance lowers your credit utilization ratio, which can improve your score over time.
What's the difference between the statement balance and the current balance?
The statement balance is what you owed on the day your statement closed. The current balance includes new charges made after the statement closed. You only owe the statement balance by the due date; new charges aren't due until the next statement closes.
Can I change my due date?
Some card issuers allow you to request a due date change through your online account or by calling customer service. Old Navy may offer this option, but it's not may provide. Contact them to ask if a different due date is available for your account.