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 online, where you can see your balance and payment history when ready and schedule payments in advance.
If you pay online, you'll log into your Synchrony account at synchronybank.com or through the Old Navy mobile app. If you pay by phone, call the number on the back of your card — Synchrony's customer service team can process a payment over the phone in minutes. Mail payments should be sent to the address printed on your monthly statement; this method takes 7 to 10 business days to post. In-store payments at Old Navy locations are processed when ready but only accept cash or debit cards, not credit cards.
Key Takeaways
- Online payment through Synchrony's website or the Old Navy app is the fastest method and lets you schedule payments ahead of time.
- Phone payments to the number on your card are processed the same day and require no account login.
- Mail payments take 7 to 10 business days to reach Synchrony, so send them early if you have a due date approaching.
- In-store cash payments at Old Navy are when ready but do not appear in your online account for one to two business days.
- Late fees begin 21 days after your due date, so paying even a few days late can add $25 to $35 to your balance.
Setting up online payments through Synchrony
To pay online, go to synchronybank.com and select "Sign In" in the top right. Enter your username and password. If you don't have an online account yet, select "Enroll Now" and follow the prompts — you'll need your card number, Social Security number, and date of birth. Once logged in, select "Make a Payment" or "Pay My Bill" (the exact wording varies by page update).
You can make a one-time payment when ready or set up automatic payments on a date you choose each month. For one-time payments, enter the amount and select your payment method — you can pay from a checking account, savings account, or debit card. Synchrony will show you the date the payment will post. For automatic payments, select the day of the month you want the payment to come out and the amount (you can choose to pay a fixed dollar amount, the minimum payment, or the full statement balance).
Payments made before 8 p.m. Eastern Time on a business day usually post the same day. Payments made after 8 p.m. or on weekends post the next business day. If you're close to your due date, paying online is safer than mailing because you can see confirmation when ready.
Paying by phone or mail
To pay by phone, call the customer service number printed on the back of your Old Navy credit card. A representative will ask for your card number and the amount you want to pay, then confirm your payment method — checking account, savings account, or debit card. The payment is processed when ready and you'll receive a confirmation number. Keep this number for your records in case you need to dispute the payment later.
To pay by mail, write a check or money order for the amount you owe and send it to the address shown on your monthly statement. Include your card number on the check or money order so Synchrony can match the payment to your account. Mail payments typically take 7 to 10 business days to arrive and post, so if your due date is within two weeks, paying by mail is risky — your payment may not post in time to avoid a late fee.
In-store payments at Old Navy locations
You can pay your Old Navy credit card balance in cash at any Old Navy store. Go to the register and tell the cashier you want to make a credit card payment. Provide your card and the amount in cash. The store will give you a receipt when ready, but the payment won't show in your online Synchrony account for one to two business days.
In-store payments are useful if you have cash on hand and want an when ready receipt, but they're not the best choice if you're trying to meet a important date — because of the delay in posting, a payment made on the due date may not show up until after the late fee has been charged. If you're paying in person to meet a important date, pay online or by phone instead.
Understanding your due date and late fees
Your due date appears on your monthly statement and is usually 21 to 25 days after your statement closing date. If you pay after the due date, Synchrony charges a late fee — typically $25 for the first late payment and $35 for subsequent ones within six months. The late fee is added to your balance when ready, even if you pay the next day.
Late payments also affect your credit score. A payment reported as 30 days late stays on your credit report for seven years. If you're going to miss a due date, call Synchrony before the date passes — they sometimes offer a one-time courtesy waiver of the late fee or a brief extension, though this is not may provide and depends on your account history.
Paying off a balance faster
If you want to reduce what you owe more quickly, you can make multiple payments in a single month. Pay online or by phone as often as you like — there's no limit on the number of payments you can make. Some people pay weekly or every two weeks to stay on top of their balance and reduce the amount of interest they're charged.
Interest on Old Navy credit card purchases accrues daily based on your average daily balance. The interest rate varies by creditworthiness but typically ranges from 19% to 27% annually. If you carry a balance, paying more than the minimum payment each month saves you money on interest. For example, a $1,000 balance at 24% interest costs about $20 per month in interest alone — paying an extra $50 per month cuts that interest cost significantly over time.
What to do if you can't pay on time
If you know you won't be able to pay by your due date, contact Synchrony before the date arrives. Call the number on your card and explain your situation. Synchrony may offer a payment plan, a temporary reduction in your interest rate, or a one-time late fee waiver — none of these are may provide, but asking before you miss a payment is more effective than calling after.
If you've already missed a payment, you can still call to discuss options. Synchrony is more likely to work with you if you have a history of on-time payments and if you're willing to set up a plan to catch up. Ignoring missed payments leads to higher fees, damage to your credit score, and eventually a collections account — all of which are harder to fix than a conversation now.
Frequently Asked Questions
How long does it take for an online payment to post?
Online payments made before 8 p.m. Eastern Time on a business day post the same day. Payments made after 8 p.m. or on weekends post the next business day. If you're paying to meet a important date, pay before 8 p.m. on a weekday to be safe.
Can I pay my Old Navy credit card at the register with another card?
No. In-store payments at Old Navy accept cash only. To pay with a debit card or another credit card, you must pay online through Synchrony, by phone, or by mail.
What happens if I pay late?
A late fee of $25 to $35 is added to your balance when ready. The late payment is reported to credit bureaus and damages your credit score. If the payment is 30 or more days late, it stays on your credit report for seven years.
Can I set up automatic payments for the full balance each month?
Yes. When you set up automatic payments through Synchrony, you can choose to pay the full statement balance, the minimum payment, or a fixed dollar amount. Automatic payments for the full balance may support you never carry interest charges, as long as you don't make new purchases after the payment is scheduled.
Is there a fee for paying online or by phone?
No. Synchrony does not charge a fee for online or phone payments. The only fees are late fees if you miss your due date, and interest if you carry a balance.