Where to pay your Old Navy credit card bill
You can pay your Old Navy credit card through three main routes: online through your account portal, by phone with a customer service representative, or by mail. The online portal is the fastest and most direct — you log in, see your balance, and submit payment in minutes. Phone payment takes longer but works if you prefer speaking to someone or have questions about your account. Mail is the slowest option and should only be your choice if you have no internet access.
Your bill arrives by mail or email depending on what you chose when you opened the card. The statement shows your minimum payment due, your full balance, and the due date. You do not have to wait for the statement to pay — you can pay any amount at any time once your account is active.
Key Takeaways
- The Old Navy credit card is issued by Synchrony Bank, so you pay through Synchrony's portal or by calling their customer service line, not through Old Navy's main website.
- Online payment through the Synchrony portal is free and posts to your account within one business day if you pay before 8 p.m. ET.
- Phone payments also post within one business day and cost nothing, but you will need your card number and the amount you want to pay ready before you call.
- Mail payments take seven to ten business days to arrive and post, so send them at least two weeks before your due date to avoid a late fee.
- Setting up automatic payments through the Synchrony portal removes the risk of forgetting a payment and triggering interest charges.
Paying online through the Synchrony portal
Go to mysynchrony.com and sign in with your username and password. If you have not set up an online account yet, click "Enroll Now" and follow the prompts — you will need your card number, Social Security number, and date of birth. Once you are logged in, your dashboard shows your current balance, minimum payment, and due date.
Click "Make a Payment" or "Pay Now" (the exact wording varies by browser). Enter the amount you want to pay — you can pay the full balance, the minimum, or any amount in between. Choose your payment method: you can pay from a checking or savings account (free, takes one business day) or use a debit card (also free, also one business day). Review the details and confirm. You will see a confirmation number on screen — write it down or take a screenshot.
Payments submitted before 8 p.m. ET on a business day post the next business day. If you pay after 8 p.m. or on a weekend, the payment posts the following business day. You can check the status of your payment by logging back into the portal and looking at your transaction history.
Paying by phone
Call Synchrony's customer service line at 1-866-396-8254. Have your Old Navy credit card number ready, along with the amount you want to pay and your preferred payment method (checking account, savings account, or debit card). A representative will walk you through the payment and give you a confirmation number.
Phone payments are free and post within one business day, the same as online payments. The line is open Monday through Friday, 8 a.m. to 9 p.m. ET, and Saturday and Sunday, 9 a.m. to 8 p.m. ET. If you call outside these hours, you can leave a message and a representative will call you back, but your payment will not process until they reach you.
Paying by mail
Write a check or money order for the amount you owe. Do not send cash. On the back of the check, write your Old Navy credit card number so the payment gets matched to your account. Include a copy of your billing statement if you have it — the statement shows the mailing address and your account number.
Mail your payment to the address on your statement. Payments typically take seven to ten business days to arrive and post to your account. To avoid a late fee, mail your payment at least two weeks before your due date. If you are cutting it close to the important date, use online or phone payment instead.
Setting up automatic payments
Log into your Synchrony account at mysynchrony.com. Go to "Manage Autopay" or "Automatic Payments" (the exact location varies). Choose whether you want to pay your full statement balance, your minimum payment, or a fixed amount each month. Select the date you want the payment to come out — most people choose a few days before their due date to may support it posts on time.
Enter your bank account or debit card information. Confirm the setup. Your payment will come out automatically on the date you chose each month, and you will receive a confirmation email. You can change or cancel automatic payments at any time through the same portal.
Automatic payments are free and remove the risk of forgetting a payment and triggering a late fee or interest charges. If your balance varies month to month, set it to pay your full statement balance so you never carry a balance into the next month.
What to do if you miss a payment
If your payment is late, you will be charged a late fee (the amount depends on your card terms) and your interest rate may increase. The damage to your credit report happens after 30 days past due, so if you realize you missed a payment, contact Synchrony when ready at 1-866-396-8254 and make a payment right away.
If you are struggling to pay, call Synchrony and ask about hardship programs or payment plans. Representatives can sometimes work with you to avoid late fees or reduce your interest rate if you have a legitimate reason for the missed payment. The sooner you call, the more options you may have.
Frequently Asked Questions
Does Old Navy charge a fee to pay my credit card bill?
No. Paying online, by phone, or by mail through Synchrony is free. If you use a third-party bill payment service or a credit card to pay your balance, that service may charge a fee, but Synchrony itself does not.
Can I pay my Old Navy credit card through the Old Navy website or app?
No. The Old Navy credit card is issued by Synchrony Bank, not by Old Navy. You must pay through Synchrony's portal at mysynchrony.com or by calling 1-866-396-8254. The Old Navy app and website do not have a payment option for the credit card.
How long does it take for my payment to show up?
Online and phone payments post within one business day if submitted before 8 p.m. ET on a business day. Mail payments take seven to ten business days to arrive and post. If you are close to your due date, use online or phone payment to avoid a late fee.
What happens if I pay more than my balance?
The extra amount becomes a credit on your account. You can use it toward your next purchase or request a refund by calling Synchrony at 1-866-396-8254. Refunds typically take five to seven business days to appear in your bank account.
Can I set up automatic payments for a specific dollar amount?
Yes. When you set up autopay through mysynchrony.com, you can choose to pay your full balance, your minimum payment, or a fixed amount of your choice each month. Pick the option that works best for your budget.