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 need help locating your account number. Mail is slowest and leaves a gap between when you send the check and when it posts to your account.
Your bill statement lists all three payment methods with specific instructions. The online portal address appears at the top of your statement or in any email reminder Old Navy sends you. The phone number for payments is also on your statement. If you have lost your statement, you can find the payment portal by going to the Old Navy website and looking for the credit card section, then signing into your account.
Key Takeaways
- Online payment through your Old Navy account portal is the fastest method and shows your payment posting within one to two business days.
- Phone payments require your account number and the amount you want to pay, and a representative will confirm the transaction before it processes.
- Mail payments take seven to ten business days to reach Old Navy and post to your account, so send them well before your due date.
- Your due date is printed on your statement, and paying after that date triggers a late fee even if you pay within the same month.
- Setting up automatic payments from your bank account prevents missed due dates and removes the need to remember to pay each month.
Paying online through your account portal
Log into your Old Navy credit card account at the website or through the Old Navy mobile app. Once you are signed in, look for a link labeled "Make a Payment," "Pay My Bill," or "Payments" — the exact wording varies slightly by when your account was opened, but it is always in the main menu. Click that link and you will see your current balance, minimum payment due, and due date.
Enter the amount you want to pay. You can pay the full balance, the minimum payment, or any amount in between. Then select your payment method — most accounts let you pay from a bank account (checking or savings) or a debit card. Enter the account or card details if you have not saved them before, review the transaction summary, and submit. Old Navy will show you a confirmation number on screen and send a confirmation email. The payment usually posts within one to two business days.
Paying by phone
Call the number on the back of your Old Navy credit card or on your statement. A representative will answer and ask for your account number and the last four digits of your Social Security number to verify your identity. Have your account number ready — it is printed on your card and on every statement.
Tell the representative the amount you want to pay. They will confirm the amount, your account number, and the payment method (bank account or debit card). You will need to provide your bank routing number and account number, or your debit card number and expiration date. The representative will read back the details and ask you to confirm before processing. The payment posts within one to two business days, the same as online payment.
Paying by mail
Write a check or money order payable to Old Navy. Do not send cash. Include a payment stub from your statement if you have one — it has a tear-off section with your account number printed on it. If you do not have a stub, write your account number on the check itself so Old Navy can match it to your account.
Mail the check to the address printed on your statement under "Payment Address" or "Mail Payments To." This address is different from the Old Navy store mailing address, so use only the address on your statement. Mail takes five to seven business days to arrive, and Old Navy takes another two to three days to process and post it. Plan to mail your payment at least ten days before your due date to avoid a late fee.
Setting up automatic payments
Automatic payments remove the risk of missing a due date. Log into your account portal, find the "Automatic Payments" or "Autopay" section, and choose how much you want to pay each month. Most cardholders choose to pay the full statement balance automatically on the due date, but you can set it to pay the minimum or a fixed dollar amount instead.
You will need to provide your bank account number and routing number, or a debit card number. Old Navy will deduct the payment on the date you select each month. You can change or cancel automatic payments at any time through your account portal. If your balance changes or you want to make an extra payment in a given month, you can still pay manually through the portal or by phone without affecting your automatic payment schedule.
What happens if you miss a payment
If your payment does not arrive by the due date, Old Navy charges a late fee. The amount of the late fee depends on your account terms, but it is typically between $25 and $40 for the first late payment. A late payment also appears on your credit report and can lower your credit score.
If you realize you have missed a payment, pay as soon as possible through any of the three methods above. Paying late does not erase the late fee or the credit report entry, but it stops additional fees from accumulating. If you are having trouble making your payment, call the customer service number on your statement and ask about hardship options — some cardholders are offered temporary payment plans or fee waivers in certain situations.
Understanding your statement and due date
Your Old Navy credit card statement arrives each month and shows your opening balance, all purchases and credits from that month, your new balance, your minimum payment due, and your due date. The due date is the last day of a set period — usually 21 to 25 days after your statement closes. Payments received on or before the due date are on time; payments received after that date are late, even if they arrive the next day.
Your statement also shows your interest rate (called the Annual Percentage Rate or APR) and how much interest you paid that month. If you carry a balance from month to month, interest accrues daily on the unpaid amount. Paying your full balance by the due date each month avoids interest charges entirely.
Frequently Asked Questions
How long does it take for an online payment to show up?
Online payments typically post within one to two business days. You will see a confirmation number when ready after you submit, and an email confirmation follows within a few minutes. The payment may show as "pending" in your account for a day before it posts as complete.
Can I pay my Old Navy credit card with a credit card?
No. Old Navy only accepts payments from a bank account (checking or savings) or a debit card. Paying with another credit card is not an option through any of the three payment methods.
What if I pay more than my balance?
If you pay more than you owe, Old Navy will hold the extra amount as a credit on your account. You can use that credit toward future purchases, or you can request a refund by calling customer service. Refunds typically take five to seven business days to appear in your bank account.
Is there a fee for paying my bill?
No. Old Navy does not charge a fee for any payment method — online, phone, or mail. There is no cost to pay your bill on time or early.
Can I pay someone else's Old Navy credit card bill?
Only the cardholder or an authorized user on the account can make payments. If you are not the cardholder, you cannot pay the bill through the portal or by phone. You can mail a check to the payment address with a note, but Old Navy may not process it without the cardholder's authorization.