Pay your Old Navy card through the Synchrony website, by phone, or by mail
Old Navy credit cards are issued by Synchrony Bank, not by Old Navy itself. This means you make payments to Synchrony, not to Old Navy stores. You have three main ways to pay: online through Synchrony's website, by phone, or by mailing a check. Online is fastest and shows your payment when ready. Phone payments take one business day to post. Mail takes five to seven business days.
You do not need an Old Navy account to pay your card — you only need your card number and the account information Synchrony has on file. If you have never paid online before, you will need to set up a login the first time, which takes about five minutes.
Key Takeaways
- Old Navy credit cards are managed by Synchrony Bank, so you pay Synchrony directly, not Old Navy.
- The fastest way to pay is online at Synchrony's website, where payments post the same day.
- You can also pay by phone at 1-866-396-8254 or by mailing a check to the address on your statement.
- Set up automatic payments through Synchrony if you want to avoid missing a due date.
- Your minimum payment and due date appear on your monthly statement and in your online account.
Pay online through Synchrony's website
Go to www.mysynchrony.com and log in with your username and password. If you do not have a login yet, click "Enroll Now" and follow the prompts. You will need your card number, Social Security number, and date of birth to set up an account. Enrollment takes about five minutes and you can pay when ready after.
Once logged in, click "Make a Payment" or "Pay Now." Enter the amount you want to pay and choose your payment date. If you pay before 8 p.m. Eastern time on a business day, the payment posts the same day. Payments made after 8 p.m. or on weekends post the next business day. You will see a confirmation number on screen — write it down or take a screenshot.
Synchrony also lets you set up automatic payments from your checking or savings account. Go to "Manage Automatic Payments" in your account and choose whether you want to pay the full balance, the minimum payment, or a fixed amount each month. Automatic payments remove the risk of forgetting your due date.
Pay by phone with a Synchrony representative
Call Synchrony at 1-866-396-8254. Have your card number and the bank account you want to pay from ready. A representative will ask you to confirm your identity, then process your payment over the phone. Phone payments take one business day to post to your account.
This method works if you do not have internet access or prefer to speak to someone. The phone line is open Monday through Friday, 8 a.m. to 9 p.m. Eastern time, and Saturday 9 a.m. to 6 p.m. Eastern time. Sunday hours vary. There is no fee for paying by phone.
Pay by mail with a check
Write a check to Synchrony Bank and mail it to the address printed on your monthly statement. Do not send payment to an Old Navy store — it will not reach Synchrony and your payment will be late. The address on your statement is the correct mailing address.
Include your account number on the check memo line so Synchrony can match the payment to your card. Mail takes five to seven business days to arrive, so send your check at least a week before your due date. If you are close to your due date, pay online or by phone instead to avoid a late fee.
Find your due date and minimum payment
Your due date and minimum payment appear on your monthly statement, which Synchrony mails to you or makes available online. Log into www.mysynchrony.com and look at your account summary — it shows your current balance, minimum payment due, and due date in one place.
If you do not have your statement handy, call Synchrony at 1-866-396-8254 and a representative will tell you your due date and balance. Paying at least the minimum by the due date keeps your account in good standing and avoids late fees. Paying more than the minimum reduces your interest charges.
What happens if you miss a payment
If your payment is late by 30 days or more, Synchrony reports it to the credit bureaus and it appears on your credit report. A late payment can lower your credit score and may trigger a higher interest rate on your card. Synchrony may also charge a late fee, which varies but is typically $25 to $40 for the first late payment.
If you miss a payment, contact Synchrony as soon as you can. Bring your account current by paying the full amount you owe plus any late fees. The sooner you pay, the less damage to your credit. If you are having trouble making payments, ask Synchrony about hardship options — some cardholders can negotiate a payment plan or temporary rate reduction.
Frequently Asked Questions
Can I pay my Old Navy card at an Old Navy store?
No. Old Navy stores do not accept credit card payments. You must pay through Synchrony Bank online, by phone, or by mail. Trying to pay at a store will not post to your account and your payment will be late.
Is there a fee to pay my card online?
No. Synchrony does not charge a fee for online payments, phone payments, or mail payments. You only pay interest on your balance if you do not pay it in full by your due date.
How long does it take for my payment to show up?
Online and phone payments post within one business day. Mail payments take five to seven business days. If you need your payment to post quickly, pay online or by phone before 8 p.m. Eastern time on a business day.
What if I pay more than I owe?
Synchrony will hold the overpayment as a credit on your account. You can use it toward your next statement balance, or call Synchrony to request a refund check. There is no fee for either option.
Can I set up automatic payments if I do not have a Synchrony online account yet?
You need to create a login at www.mysynchrony.com first. Once you are logged in, go to "Manage Automatic Payments" and set up recurring payments from your bank account. This takes about ten minutes total.