Where to pay your Old Navy credit card
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 mailing a check to the payment address on your statement. The online portal is the fastest and most direct — you log in, enter the amount you want to pay, and the payment posts within one business day in most cases. Phone payments take slightly longer to process but let you speak to someone if you have questions about your balance or payment options.
Your Old Navy credit card is issued by Synchrony Bank, not by Old Navy itself. This matters because it means your payment goes to Synchrony, not to Old Navy stores. The payment address, phone number, and online portal all route to Synchrony's systems. You'll find all three payment methods listed on the back of your physical card and on your monthly statement.
Key Takeaways
- Online payments through your Synchrony account portal are the fastest method and typically post within one business day.
- You can pay by phone at the number on the back of your card, and a representative can answer questions about your balance or payment plan options.
- Mailed payments should be sent to the address on your statement and take 7 to 10 business days to post, so send them early if your due date is near.
- Your minimum payment is due by the date shown on your statement; paying only the minimum means you'll pay interest on the remaining balance.
Paying online through your Synchrony account
Go to Synchrony's website (synchronybank.com) and select "Sign In" in the top right corner. Enter your username and password. If you don't have an online account yet, you'll need to create one — you can do this on the same page by selecting "Enroll Now" and following the prompts. You'll need your card number and the last four digits of your Social Security number to set up an account.
Once you're logged in, look for "Make a Payment" or "Pay Now" — the exact wording varies slightly depending on which version of the portal you see. Select the amount you want to pay (you can pay the full balance, the minimum, or a custom amount), choose your payment method (bank account or debit card), and confirm. The payment posts to your account within one business day. You'll receive a confirmation number on screen and by email.
If you set up online banking, you can also arrange automatic payments so your bill is paid on the same day each month. This prevents missed payments and late fees. You can change or cancel automatic payments anytime through your account settings.
Paying by phone
Call the number on the back of your Old Navy credit card. A Synchrony representative will answer and ask for your card number or the phone number associated with your account. Have your checking account or debit card information ready — the representative will need it to process the payment. You can pay any amount from the minimum to the full balance.
Phone payments typically post within one to two business days. The representative will give you a confirmation number before you hang up — write it down or ask them to email it to you. If you have questions about your balance, interest rate, or payment options like a hardship plan, this is the time to ask. Representatives can sometimes work with you on payment arrangements if you're having trouble making your full payment.
Paying by mail
Write a check for the amount you want to pay and include a payment stub from your statement if you have one — it has a barcode that helps Synchrony match your payment to your account quickly. If you don't have a stub, write your card number on the check itself. Mail the check to the address printed on your statement under "Payment Address" or "Make Checks Payable To."
Mailed payments take 7 to 10 business days to reach Synchrony and post to your account. If your due date is within two weeks, mail your payment when ready or use online or phone payment instead to avoid a late fee. Late fees are typically $25 to $40 depending on your account terms, and a late payment can also trigger a higher interest rate on future purchases.
Understanding your payment due date and minimum payment
Your statement shows two important dates: the statement closing date (when the billing cycle ends) and the payment due date (when your payment must arrive). Your minimum payment is listed on the statement as well. The minimum is usually 1 to 3 percent of your total balance, but it's always at least $25 if you have a balance.
Paying only the minimum means the rest of your balance carries over to next month and you'll pay interest on it. The interest rate on Old Navy credit cards varies by person and is shown on your statement as the APR (Annual Percentage Rate). If you want to avoid interest charges, pay your full statement balance by the due date. If you can't pay the full amount, paying more than the minimum reduces the interest you'll owe.
What to do if you miss a payment
If your payment doesn't arrive by the due date, Synchrony will report it as late to the credit bureaus and may charge a late fee. A single late payment can lower your credit score by 50 to 100 points depending on your current score. If you realize you've missed a payment, log into your account or call the number on your card right away and make the payment when ready.
If you're having trouble making your payment, call Synchrony before your due date and ask about hardship options. Some cardholders can request a temporary lower payment, a payment plan, or a pause on interest charges. These options vary and aren't may provide, but Synchrony is more likely to work with you if you reach out before you miss a payment rather than after.
Setting up automatic payments to avoid missed important date
Automatic payments remove the risk of forgetting your due date. Log into your Synchrony account online, find the "Automatic Payments" or "Recurring Payments" section, and enter your bank account or debit card information. You can choose to pay the full balance, the minimum, or a fixed amount each month. Select the date you want the payment to come out — most people choose a date shortly after they get paid.
You can change your automatic payment amount or cancel it anytime through your account. If you cancel, make sure you have a plan to pay manually, or you could accidentally miss a payment. Automatic payments are free and don't cost anything extra.
Frequently Asked Questions
How long does it take for an online payment to show up on my account?
Online payments typically post within one business day. If you pay on a Friday evening, it may not show until Monday. If you're close to your due date, use online or phone payment rather than mail to make sure it arrives on time.
Can I pay my Old Navy credit card at an Old Navy store?
No. Old Navy stores cannot process credit card payments. You must pay through Synchrony Bank using one of the three methods: online, by phone, or by mail. Some stores may have information about payment options, but they cannot take your payment directly.
What happens if I pay more than my balance?
If you pay more than you owe, the extra amount becomes a credit on your account. You can use this credit toward future purchases, or you can request a refund by calling Synchrony. Refunds typically take 5 to 7 business days to appear in your bank account.
Is there a fee to pay my credit card bill?
No. Synchrony does not charge a fee for online, phone, or mail payments. If you use a third-party payment service or a cash advance at an ATM, those services may charge their own fees, but paying directly through Synchrony is always free.
Can I set up automatic payments to pay just the minimum each month?
Yes. When you set up automatic payments, you can choose to pay the full balance, the minimum, or a custom fixed amount. If you choose the minimum, your payment will adjust automatically if your minimum changes based on your balance.