Call Old Navy's payment line at 1-866-697-2680 to make a payment over the phone
Old Navy's credit card payment phone number is 1-866-697-2680. This is the dedicated line for cardholders who want to pay their balance by phone rather than online or by mail. You will need your card number and the amount you want to pay ready when you call.
The line is open during standard business hours. Have your statement or card in front of you so you can provide your account information quickly. The system will walk you through the payment process and confirm the transaction before you hang up.
Key Takeaways
- Old Navy's payment phone number is 1-866-697-2680, and you can use it to pay your balance directly without logging into an online account.
- Payments made by phone are usually processed the same day if you call before the cutoff time, though you should confirm the exact timing when you call.
- You will need your card number, account number, or the phone number associated with your account to verify your identity.
- If you cannot reach the main line, check your statement for alternative contact numbers or visit the Old Navy website for other payment methods.
- Paying by phone does not change your due date or statement cycle — it only processes the payment you request on that day.
What information you need before calling
Before you dial, gather your Old Navy credit card and your most recent statement. The automated system will ask for your card number or the phone number linked to your account. If you are calling from a different phone than the one on file, have your statement handy so you can provide your account details to verify your identity.
Know the exact amount you want to pay. You can pay your full balance, your minimum payment, or any amount in between. The system will confirm the amount before processing, so you have a chance to correct it if you make a mistake.
When payments are processed after you call
Payments made by phone are typically posted to your account the same business day if you call before a certain time — usually late afternoon. Payments made after hours or on weekends may not process until the next business day. When you complete the call, the system will tell you when to expect the payment to show on your account.
Do not assume the payment is complete just because you hung up. Wait for the confirmation message at the end of the call, and note the confirmation number if one is provided. This number is your proof of payment if there is ever a dispute.
Other ways to pay your Old Navy card besides calling
If you prefer not to call, you can pay online through your Old Navy account or the card issuer's website. You can also set up automatic payments so your bill is paid on a date you choose each month. Automatic payments reduce the chance you will miss a due date.
Mailing a check is another option, though it takes longer — typically 7 to 10 business days for the payment to reach Old Navy and post to your account. If you are close to your due date, mailing is riskier than calling or paying online.
What to do if the phone line is busy or not working
If you cannot reach 1-866-697-2680, check your most recent statement for an alternative phone number. Old Navy sometimes lists a backup number on the statement itself. You can also visit the Old Navy website and look for a "Contact Us" page, which may have additional phone numbers or a live chat option.
If the automated system is down or you need to speak to a person, calling during early morning hours (before 9 a.m.) often means shorter wait times. If you are having trouble with the payment system itself — for example, if the system will not accept your card number — ask to be transferred to a representative who can help troubleshoot.
How phone payments affect your credit and account
A payment made by phone is treated the same way as a payment made online or by mail. It reduces your balance and counts toward your payment history. Paying on time, even by phone, helps your credit score. Paying late — whether by phone, online, or mail — does not help your score and may result in a late fee.
The payment method does not change your due date. If your statement is due on the 15th and you call on the 20th to pay, the payment will be recorded as late unless your card issuer has a grace period. Always check your statement for the exact due date, and plan to pay a few days before it arrives.
Frequently Asked Questions
Is there a fee to pay by phone?
Old Navy does not charge a fee for paying by phone using the main customer service line. However, if you use a third-party payment service or a bill-pay service through your bank, that service may charge a fee. Always confirm with Old Navy before paying through an unfamiliar service.
Can I pay someone else's Old Navy card by phone?
No. For security reasons, you can only pay an account if your name is on it or if you have been authorized as an account manager. If you need to pay on behalf of someone else, that person should call and add you as an authorized user first, or they should make the payment themselves.
What if I want to dispute a charge instead of just paying?
The payment phone line is for payments only. If you want to dispute a charge or report fraud, ask to be transferred to the disputes department when you call, or look for a disputes phone number on your statement. Disputes are handled separately from payments.
How long does a phone payment take to show up online?
Most phone payments appear in your online account within a few hours to one business day. If you do not see the payment posted within 24 hours of calling, contact Old Navy again with your confirmation number to verify the payment went through.