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. You can pay online through your Synchrony account, by phone, by mail, or in person at an Old Navy store. The fastest route is usually the online portal — you log in, enter the amount, and the payment posts within one business day.
If you do not have your Synchrony login set up yet, you will need to create an account on the Synchrony website using your card number and other identifying information. Once you are logged in, you can see your balance, due date, and payment history all in one place.
Key Takeaways
- Synchrony Bank handles Old Navy credit card payments, not Old Navy itself, so you pay through Synchrony's website, phone line, or mail address.
- Online payment through your Synchrony account usually posts within one business day and is the fastest method.
- Phone payments can be made by calling the number on the back of your card, and payments typically post within one to two business days.
- Mail payments should be sent to the address printed on your statement and take five to seven business days to post.
- Paying in person at an Old Navy store is not an option — you must pay through Synchrony directly.
Paying online through your Synchrony account
Log in to your Synchrony account at synchrony.com or through the Synchrony mobile app. Click on your Old Navy card, then select "Make a Payment" or "Pay Now." Enter the amount you want to pay — you can pay the full balance, the minimum payment, or any amount in between. Review the payment date and confirm.
Synchrony will show you when the payment will post. If you pay before 8 p.m. Eastern time on a business day, it typically posts the next business day. Payments made after 8 p.m. or on weekends and holidays post the following business day.
You can also set up automatic payments through your Synchrony account. This is useful if you want to avoid late fees — you choose the amount and the date each month, and Synchrony withdraws it from your bank account automatically.
Paying by phone or mail
To pay by phone, call the number on the back of your Old Navy credit card. A representative will ask for your card number, the amount you want to pay, and your bank account or debit card information. Phone payments typically post within one to two business days.
To pay by mail, write a check or money order payable to Synchrony and include your account number on the check. Send it to the address listed on your monthly statement under "Payment Address" — this address changes depending on which processing center handles your account, so always use the one on your current bill. Mail payments take five to seven business days to post, so send your payment at least a week before your due date if you want to avoid a late fee.
What happens if you miss a payment
If your payment does not arrive by the due date shown on your statement, Synchrony will charge a late fee. The fee amount depends on your card terms, but typically ranges from $25 to $40 for the first late payment. After 30 days past due, the late payment appears on your credit report and can lower your credit score.
If you realize you will miss a due date, contact Synchrony before the date arrives. Some cardholders can negotiate a one-time extension or a temporary adjustment to their due date, though this is not may provide. After you miss a payment, calling to explain your situation may help prevent further penalties, but it will not remove the late fee that has already been charged.
Setting up automatic payments to avoid missed important date
Automatic payments remove the risk of forgetting a due date. In your Synchrony account, go to "Manage Automatic Payments" and choose whether you want to pay the full balance, the minimum payment, or a fixed amount each month. Select the date the payment should come out of your bank account — most people choose a date shortly after they get paid.
You can change or cancel automatic payments anytime through your account. If your balance varies month to month, paying the full balance automatically ensures you never carry a balance and never pay interest. If you prefer to pay a fixed amount, make sure it is at least the minimum payment shown on your statement, or you will still be charged a late fee.
Understanding your statement and due date
Your Old Navy credit card statement shows your current balance, minimum payment due, and the due date. The due date is the last day Synchrony will accept a payment without charging a late fee. Your statement also lists all transactions from the billing period, interest charges if you carried a balance, and any fees.
The minimum payment is usually 1 to 3 percent of your balance, but Synchrony calculates the exact amount based on your card terms. Paying only the minimum means you will pay interest on the remaining balance. If you want to avoid interest charges, pay the full balance by the due date.
Frequently Asked Questions
Can I pay my Old Navy credit card at an Old Navy store?
No. Old Navy stores do not accept credit card payments. You must pay through Synchrony Bank using their website, phone line, or mail address. Some Old Navy locations have customer service desks, but they cannot process payments on your account.
How long does it take for a payment to show up?
Online and phone payments typically post within one to two business days. Mail payments take five to seven business days. If you pay online before 8 p.m. Eastern time on a business day, Synchrony usually posts it the next business day. Payments made after hours or on weekends post the following business day.
What if I pay late by accident?
Synchrony will charge a late fee, usually $25 to $40. The late payment will not appear on your credit report until 30 days past due. If you catch it within a few days, call Synchrony and ask if they will waive the fee as a one-time courtesy — some cardholders succeed, though it is not may provide.
Can I set up automatic payments for just one month?
No. Automatic payments are recurring. You can set them up, use them for one month, and then cancel them through your Synchrony account. If you need a one-time payment on a specific date, pay manually online or by phone instead.
What if my payment is rejected?
Synchrony will notify you if a payment fails — usually because your bank account does not have enough funds or your bank information is outdated. Log into your Synchrony account, update your payment method, and try again. If the payment was due, contact Synchrony to ask about a late fee waiver.