How to contact Old Navy credit card support
Old Navy credit card customer service is available by phone, mail, and online through your account portal. The phone number for cardholders is 1-866-408-4885, and representatives handle billing questions, payment issues, fraud reports, and account changes. You can also reach the card issuer, Synchrony Bank, directly at the same number if you need to speak with someone outside Old Navy's hours.
If you prefer not to call, you can log into your Old Navy credit card account online at synchronybank.com or through the Old Navy mobile app to message support, view your statement, make payments, or update your account details. Mail correspondence goes to the address listed on your statement's back page, though phone or online contact is faster for urgent matters.
Key Takeaways
- Call Old Navy credit card support at 1-866-408-4885 for billing questions, payments, fraud, or account changes.
- You can message support through your online account at synchronybank.com or the Old Navy app without waiting on hold.
- Payment issues and fraud should be reported by phone as soon as you notice them, since delays can affect your account status.
- Your monthly statement includes the mailing address for written correspondence, though phone and online channels resolve most issues faster.
What to have ready before you call
Gather your account number, which appears on your credit card and your monthly statement, before calling customer service. Have your Social Security number or date of birth available for identity verification — the representative will ask for one of these to confirm you are the account holder.
If you are calling about a specific transaction, charge, or payment, have the date and amount in front of you. For fraud or unauthorized charges, note the exact date you first noticed the problem and whether you have already filed a dispute. This information speeds up the call and reduces the number of times you need to repeat yourself.
Reporting fraud or unauthorized charges
If you see a charge you did not make or suspect your card number was compromised, call 1-866-408-4885 when ready. Tell the representative the specific charge or charges in question, when you first noticed them, and whether you recognize the merchant. Synchrony will freeze your account and issue a new card while investigating.
You are not responsible for unauthorized charges, but the speed of your report matters. Calling within 24 hours of discovering the fraud protects you fully. If you wait longer, your liability may increase depending on when Synchrony learns about the problem. After you report fraud by phone, you will receive written confirmation in the mail within a few days.
Making payments and managing your account online
Log into synchronybank.com or the Old Navy app to make a payment, set up automatic payments, view your statement, or change your mailing address without calling. The online portal shows your current balance, available credit, recent transactions, and payment due date. You can pay from a bank account or with a debit card, and payments usually post within one business day.
Setting up automatic payments through the online portal ensures you never miss a due date. You can choose to pay your full balance, a fixed amount, or the minimum payment each month. If you need to pause or change an automatic payment, you can do that online as well, though changes take effect on your next scheduled payment date.
Disputing a charge or billing error
If you see a charge that appears to be an error — a duplicate charge, a wrong amount, or a charge from a merchant you did not authorize — you can dispute it by phone or through your online account. Call 1-866-408-4885 and describe the charge, or log into synchronybank.com and look for the "Dispute a Transaction" option in your account menu.
When you file a dispute, Synchrony will investigate and contact the merchant. You will not be charged interest on the disputed amount while the investigation is underway, and the charge will not count against your available credit. The investigation typically takes 30 to 60 days, and Synchrony will send you a written decision by mail.
Changing your address, phone number, or payment method
You can update your mailing address, phone number, or payment method online through synchronybank.com or the Old Navy app without calling. Log in, go to your account settings, and select the information you want to change. Updates to your address and phone number take effect when ready, while changes to your payment method may take one business day to process.
If you are moving and want to make sure your statements and bills reach you, update your address as soon as possible. If you change your phone number, update it in your account so Synchrony can reach you if there is suspicious activity on your card. You can also opt into text or email alerts for large purchases, payments, or account changes.
Understanding your statement and account terms
Your monthly statement shows your opening balance, all charges and payments from the past month, your new balance, your minimum payment due, and your due date. The statement also lists your interest rate (called the Annual Percentage Rate or APR), any fees charged that month, and your available credit. If you do not understand a charge or fee, call customer service with your statement in front of you.
The back of your statement includes important account terms: your APR for purchases, the APR for balance transfers and cash advances (which are usually higher), any annual fee, late payment fees, and the grace period for new purchases. If your APR changes, Synchrony will notify you by mail at least 15 days before the change takes effect. You can always call to ask what your current rate is or whether you are may be able to access for a lower rate.
Frequently Asked Questions
What are Old Navy credit card customer service hours?
Customer service is available Monday through Friday, 8 a.m. to 10 p.m. Eastern time, and Saturday and Sunday, 9 a.m. to 8 p.m. Eastern time. Online account access through synchronybank.com and the Old Navy app is available 24/7, so you can check your balance, make payments, or message support anytime.
Can I dispute a charge after 60 days?
Federal law gives you up to 60 days from the date your statement was mailed to dispute a charge. After 60 days, you can still contact customer service to ask about the charge, but Synchrony is not required to investigate. If you think a charge is fraudulent, report it as soon as you notice it rather than waiting.
What happens if I miss a payment?
If your payment is late by 30 days or more, Synchrony will report it to credit bureaus, which can lower your credit score. Late fees explore after 21 days past your due date. If you know you will miss a payment, call customer service to discuss your options — some cardholders can arrange a payment plan or temporary relief.
How do I close my Old Navy credit card account?
Call 1-866-408-4885 and tell the representative you want to close your account. Pay off any remaining balance first, or ask whether you can close the account and set up a payment plan for what you owe. Closing an account may affect your credit score, so ask about the impact before you decide.
Can I increase my credit limit?
Log into synchronybank.com or call 1-866-408-4885 to request a credit limit increase. Synchrony will review your account history, payment record, and credit score. A hard inquiry may appear on your credit report if you request an increase, though some requests are reviewed without pulling your credit.