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 Old Navy's behalf. You have four main ways to pay: online through your Synchrony account, by phone, by mail, or in person at an Old Navy store.
The fastest and most direct route is logging into your Synchrony account at synchrony.com or through the Old Navy mobile app. You can see your balance, due date, and payment history all in one place, and payments posted online usually show up within one business day. If you do not have an online account yet, you can set one up using your card number and Social Security number.
If you prefer not to go online, you can call Synchrony's customer service line at the number on the back of your card. A representative can take your payment over the phone using a bank account or debit card. Phone payments typically process the same day if you call before the cutoff time, which varies by time zone.
Key Takeaways
- Online payment through Synchrony.com or the Old Navy app is the fastest method and shows your balance and due date in real time.
- Phone payments through the number on your card can be processed the same day, but you must call before the daily cutoff time.
- Mailed checks should be sent to the address printed on your statement, and you should mail them at least five business days before your due date to avoid late fees.
- In-store payments at Old Navy locations are accepted but may take longer to post to your account than online or phone payments.
- Your payment due date and minimum payment amount appear on your monthly statement and in your online account.
Paying by mail or check
If you send a check, the mailing address appears on your monthly statement under "Payment Address" or "Make Checks Payable To." Do not send payment to an Old Navy store location — mail goes to Synchrony's processing center, which is separate from retail locations.
Mail your check at least five business days before your due date. Payments received after the due date will be marked late, even if you mailed it on time. Write your account number on the check memo line so the payment reaches the right account. If you are unsure of your account number, check your statement or log into your Synchrony account.
Mailed payments typically take seven to ten business days to post after they arrive at the processing center. If your due date is coming up soon, mailing a check is riskier than paying online or by phone because of this delay.
In-store payments at Old Navy
You can pay your Old Navy credit card bill at the register of any Old Navy store. Tell the cashier you want to make a credit card payment, and they will process it using your card or another payment method. In-store payments do not post when ready — they go through Synchrony's system like other payments and may take several business days to show on your account.
In-store payments are useful if you are already shopping and want to make a quick payment, but they are not faster than online or phone payments. If you are trying to avoid a late fee, paying online or by phone is more reliable because you know the payment will post the same day.
What happens if you miss your due date
A payment is late if it arrives after 5 p.m. Eastern Time on your due date (or the next business day if the due date falls on a weekend or holiday). Late payments trigger a fee — the amount depends on your account history and state law, but typically ranges from $25 to $40 for a first late payment. A late payment also appears on your credit report and can lower your credit score.
If you realize you will miss the due date, call Synchrony before the date passes. Some accounts have a grace period or hardship options, and speaking to a representative before you are late gives you more options than calling after. Even if the company cannot waive the fee, you may be able to set up a payment plan or discuss your account.
If you have already missed a payment, paying as soon as possible stops additional late fees from piling up. Each month you remain unpaid, another late fee can be added. Paying the full amount owed, including any fees, brings your account current.
Setting up automatic payments
Synchrony allows you to set up automatic payments from your bank account through your online account or the Old Navy app. You can choose to pay a fixed amount each month, your minimum payment, or your full statement balance. Automatic payments remove the risk of forgetting your due date and can help you avoid late fees.
To set up automatic payments, log into your Synchrony account, go to the payment settings section, and enter your bank account information. You will need your routing number and account number, which you can find at the bottom of a check or by logging into your bank's website. Automatic payments typically process on the date you choose, and you can change or cancel them anytime.
If you set automatic payments to cover your full balance each month, you will avoid interest charges on purchases. If you set them to pay only the minimum, interest will still accrue on any remaining balance.
Understanding your statement and due date
Your monthly statement shows your opening balance, all purchases and credits from the past month, your new balance, your minimum payment due, and your due date. The due date is usually the same day each month — often the 15th or 25th, depending on when your account was opened.
Your statement also lists the interest rate (called the Annual Percentage Rate or APR) that applies to your balance. If you carry a balance from month to month, interest is calculated daily and added to what you owe. Paying your full statement balance by the due date avoids interest charges.
You can view your current statement online anytime through your Synchrony account. If you prefer paper statements, you can request them during account setup, though most accounts default to online statements to reduce mail delays.
Frequently Asked Questions
How long does it take for an online payment to show up?
Online payments through Synchrony typically post within one business day. If you pay before 5 p.m. Eastern Time on a business day, it usually shows in your account by the next morning. Payments made on weekends or holidays post on the next business day.
What if I pay more than my minimum payment?
Any amount over your minimum payment goes toward your balance and reduces the interest you owe. If you pay your full statement balance, no interest is charged. Paying extra does not hurt your account — it only helps reduce what you owe.
Can I pay my Old Navy credit card at an Old Navy store with a different payment method?
Yes. At the register, you can pay your credit card bill using cash, a debit card, another credit card, or a gift card. The payment is processed the same way as any other in-store payment and posts to your account within several business days.
What if I cannot pay my full balance by the due date?
You can pay any amount, even if it is less than the minimum. However, paying less than the minimum triggers a late fee and damages your credit score. If you are struggling to pay, call Synchrony before your due date to discuss your options — some accounts have hardship programs or payment plans.
Is there a fee for paying online or by phone?
No. Synchrony does not charge a fee for online or phone payments made through their official channels. Avoid third-party payment services that claim to process Old Navy payments, as they may charge fees or be fraudulent.