Where to send your Old Navy credit card payment
Old Navy credit card payments go to Synchrony Bank, the company that issues and manages the card on behalf of Old Navy. You can pay online through your Synchrony account, by phone, by mail, or in person at an Old Navy store. The fastest route is online through the Synchrony website or mobile app, where payments post within one business day.
To pay online, log into your account at synchrony.com or use the Synchrony mobile app. You'll need your card number and online login credentials. If you haven't set up an online account yet, you can create one at synchrony.com by entering your card number and personal information. Phone payments go to Synchrony's customer service line at the number on the back of your card.
Mail payments should be sent to the address printed on your monthly statement. Include your account number and the payment amount, and allow 7 to 10 business days for the payment to reach Synchrony and post to your account. In-store payments at Old Navy locations are also an option at some stores, though availability varies by location.
Key Takeaways
- Synchrony Bank processes Old Navy credit card payments, not Old Navy itself, so you pay through Synchrony's website, app, or phone line.
- Online and phone payments post within one business day, while mailed payments take 7 to 10 business days to reach and post to your account.
- Your monthly statement shows the mailing address for payments and the phone number for customer service on the back of your card.
- You can set up automatic payments through your Synchrony account to avoid missing a due date.
Online and mobile app payments
The Synchrony website and mobile app are the most straightforward payment methods. Go to synchrony.com, select "Make a Payment," and log in with your username and password. If you don't have an online account, you can create one by providing your card number, Social Security number, and date of birth. Once logged in, you'll see your current balance, due date, and minimum payment.
To make a payment, select the amount you want to pay (minimum payment, statement balance, or a custom amount), choose the date you want it to post, and confirm. You can pay from a checking or savings account linked to your Synchrony profile. The Synchrony mobile app works the same way and is available on iOS and Android devices.
Payments made before 8 p.m. Eastern Time typically post the next business day. Payments made after that time or on weekends post the following business day. If your due date is approaching, paying online or through the app gives you the most control over the posting date.
Phone and automated payment options
To pay by phone, call the customer service number on the back of your Old Navy credit card. A representative will ask for your account number, the amount you want to pay, and the bank account you're paying from. Phone payments are processed when ready and typically post within one business day.
Automated payments, also called autopay, let you schedule recurring payments from your bank account on a date you choose each month. Set this up through your Synchrony account online by selecting "Manage Autopay" and choosing the payment amount and date. You can pay your minimum payment, statement balance, or a fixed amount each month. Autopay removes the risk of missing a due date, though you should still review your statements to catch billing errors.
If you need to stop or change an autopay payment, log into your Synchrony account at least three business days before the scheduled payment date. Changes made after that window may not take effect until the following month.
Mailed payments and in-store options
To pay by mail, write a check or money order for the amount you owe and include your account number on the check. Mail it to the address shown on your monthly statement under "Payment Address" or "Make Checks Payable To." Do not send cash through the mail. Allow 7 to 10 business days for your payment to arrive and post to your account, so mail early if your due date is near.
Some Old Navy store locations accept credit card payments in person at the register. Call your local Old Navy store to confirm whether they offer this service before visiting. In-store payments are convenient if you're already shopping, but they may take a few business days to post to your account, so they're not the best choice if your due date is soon.
What happens if you miss a payment
If your payment doesn't reach Synchrony by your due date, your account will be reported as late. A late payment can lower your credit score, trigger a late fee (typically $25 to $35 depending on your account terms), and increase your interest rate. Synchrony may also contact you by phone or mail to request payment.
If you miss a payment, contact Synchrony as soon as possible. Explain your situation and ask whether they can waive the late fee or work out a payment plan. Paying the full amount owed quickly can limit the damage to your credit score. If you're having ongoing trouble making payments, Synchrony may offer hardship programs or temporary payment reductions, though these are handled case by case.
Payments that are 30 or more days late will appear on your credit report and stay there for seven years. Even one late payment can affect your ability to borrow money in the future, so prioritizing on-time payments protects your long-term financial health.
Understanding your statement and due date
Your Old Navy credit card statement arrives monthly and shows your opening balance, purchases, payments, fees, interest charges, and closing balance. The statement also lists your due date, minimum payment, and the address where mailed payments should go. Review your statement carefully each month to spot unauthorized charges or billing errors.
Your due date is typically the same day each month, usually 21 to 25 days after your statement closes. If your due date falls on a weekend or holiday, Synchrony moves it to the next business day. Paying before the due date avoids late fees and interest charges on your balance. Paying the full statement balance by the due date also means you won't owe interest on new purchases.
If you carry a balance from month to month, Synchrony charges interest at the rate shown on your statement (the APR, or annual percentage rate). This rate varies based on your creditworthiness and current market conditions. The longer you carry a balance, the more interest you pay, so paying down your balance faster saves money over time.
Payment timing and posting dates
The date you make a payment and the date it posts to your account are not always the same. Online and phone payments typically post within one business day, but mailed payments take 7 to 10 business days. If you're close to your due date, online or phone payment is your safest choice because it posts quickly enough to avoid a late fee.
Synchrony counts a payment as on time if it posts by 5 p.m. Eastern Time on your due date. If you mail a payment and it doesn't arrive by then, you'll be charged a late fee even if you mailed it on time. For this reason, mail payments at least 10 days before your due date to give them time to arrive and post.
If you're unsure whether a payment has posted, log into your Synchrony account online or call customer service. Your account will show the payment status and the date it posted. Keeping track of when you pay and when it posts helps you stay on top of your balance and avoid accidental late fees.
Frequently Asked Questions
Can I pay my Old Navy credit card at an Old Navy store?
Some Old Navy locations accept in-store payments, but not all. Call your local store to ask whether they offer this service. Even if they do, in-store payments take a few business days to post, so they're not ideal if your due date is soon. Online or phone payment is faster and more reliable.
What's the difference between my minimum payment and my statement balance?
Your minimum payment is the smallest amount Synchrony requires you to pay to keep your account in good standing. Your statement balance is the total amount you owe. Paying only the minimum leaves the rest of your balance to accrue interest. Paying your full statement balance by the due date avoids interest charges on that balance.
How do I set up autopay for my Old Navy credit card?
Log into your Synchrony account online, go to "Manage Autopay," and choose the amount you want to pay each month (minimum payment, statement balance, or a fixed amount) and the date you want it to post. You'll need a checking or savings account linked to your Synchrony profile. You can change or stop autopay anytime through your account.
What should I do if I think there's an error on my statement?
Contact Synchrony customer service within 60 days of the statement date. Explain the error and provide details about the transaction in question. Synchrony will investigate and respond within 30 days. Do not ignore billing errors—disputing them quickly protects your rights and may prevent interest charges on disputed amounts.
Can I pay more than my statement balance?
Yes. You can pay any amount up to your full account balance whenever you want. Paying extra reduces the amount of interest you owe and helps you pay off your balance faster. Some people pay their full balance weekly or after each purchase to avoid carrying a balance and paying interest.