Where to pay your Old Navy credit card bill
You can pay your Old Navy credit card through three main routes: online through the cardholder portal, by phone with a customer service representative, or by mail. The fastest and most direct method is logging into your account online at the Old Navy credit card website, where you can make a one-time payment or set up automatic payments. If you prefer to speak with someone, you can call the customer service number on the back of your card. Mailing a check is also an option, though it takes longer to process.
Your payment method depends on how quickly you need the transaction to go through and whether you want to set up recurring payments. Online payments typically post within one to two business days. Phone payments can sometimes post the same day if you call before the cutoff time, which is usually in the afternoon. Mailed payments take seven to ten business days to arrive and process, so plan ahead if you use this method.
Key Takeaways
- Log into your Old Navy credit card account online to pay when ready without calling or mailing anything.
- You can set up automatic monthly payments through the online portal so you never miss a due date.
- Calling the number on the back of your card lets you pay by phone, though online is faster and leaves a record.
- Mailed payments take one to two weeks to process, so send them well before your due date to avoid late fees.
- Your due date and minimum payment appear on your monthly statement and in your online account.
Paying online through your account
Go to the Old Navy credit card website and select "Log In" or "Sign In." Enter your username and password. If you do not have an online account yet, you will need to create one using your card number, Social Security number, and date of birth. Once you are logged in, look for a "Make a Payment" or "Pay Now" button, usually displayed prominently on the dashboard.
Enter the amount you want to pay. You can pay your full balance, your minimum payment, or any amount in between. Choose your payment method — you can pay from a checking or savings account, or use another debit card. Review the details to make sure the amount and account are correct, then confirm the payment. You will receive a confirmation number when ready, and the payment will post within one to two business days.
To set up automatic payments, look for an "Autopay" or "Automatic Payments" option in the same menu. Select the amount (usually your full statement balance or minimum payment), the date each month you want it to come out, and the bank account to draw from. Once this is set up, the payment will happen automatically on that date each month, which removes the risk of forgetting and paying late.
Paying by phone
Call the customer service number printed on the back of your Old Navy credit card. A representative will answer and ask for your account information to pull up your account. Have your card number, Social Security number, or the phone number associated with your account ready. The representative will tell you your current balance, minimum payment due, and due date.
Tell the representative the amount you want to pay. They will ask for your bank account information (routing number and account number) or debit card details to process the payment. Confirm all details before the representative submits the payment. You will receive a confirmation number over the phone — write this down or ask the representative to email it to you. Phone payments typically post within one business day.
Phone payments are useful if you have questions about your account or need help understanding your bill, since you are speaking with someone who can explain charges or discuss your account status. However, online payments leave a clearer record and do not require you to share banking details verbally, so many people prefer that route for security reasons.
Paying by mail
Write a check or money order for the amount you owe. Do not send cash. On the check, write your account number in the memo line so the payment is credited to the right account. Include a copy of your payment coupon from your monthly statement if you have it — this coupon has your account number printed on it and helps the processor match your payment to your account faster.
Mail your payment to the address listed on your statement or on the back of your card. Different Old Navy credit card accounts may have different mailing addresses depending on which bank issues the card, so always check your statement for the correct address. Mail your payment at least ten business days before your due date to account for postal delays. Keep a copy of the check or money order number for your records.
Mailed payments are the slowest option and carry the risk of being lost in the mail or delayed. Use this method only if you do not have online access or a phone available, or if you strongly prefer not to share banking information electronically.
What happens if you miss a payment
If your payment does not arrive by the due date, your account will be marked as late. Most credit card issuers charge a late fee, usually between $25 and $40 depending on your card terms. A late payment also appears on your credit report and can lower your credit score. The later your payment, the more damage it does to your score.
If you realize you will miss a due date, contact customer service when ready. Some issuers will waive a late fee if you call before the due date and explain your situation, especially if you have a good payment history. Paying as soon as possible after you miss the date will limit the damage. If you are consistently late, setting up automatic payments removes the risk entirely.
Understanding your statement and due date
Your monthly statement shows your due date, current balance, minimum payment, and the last day to pay without a late fee. The due date is usually the same day each month. Your statement also lists all charges from the previous month and any interest or fees applied to your account. Review your statement each month to make sure all charges are correct and to catch any fraud early.
Your minimum payment is the smallest amount you can pay to keep your account in good standing, but paying only the minimum means you will pay interest on the remaining balance. Paying your full statement balance each month avoids interest charges entirely. If you cannot pay the full balance, pay as much as you can above the minimum to reduce the interest you owe.
Setting up automatic payments to avoid late fees
Automatic payments are the simplest way to may support you never miss a due date. Log into your online account, find the autopay section, and choose whether you want to pay your full balance, your minimum payment, or a fixed amount each month. Select the date the payment should come out — many people choose a few days after payday to make sure the money is in their account. Confirm the bank account or debit card you want to use.
Once autopay is active, the payment will happen automatically on that date every month. You can change or cancel autopay at any time through your online account. If your balance varies significantly month to month, paying your full statement balance on autopay ensures you never carry a balance and never pay interest. If you prefer to pay a fixed amount, make sure it is at least your minimum payment to avoid late fees.
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. If you pay on a Friday evening, it may not show until Tuesday. If you are close to your due date, call customer service to confirm the payment went through rather than waiting to see it online.
Can I pay my Old Navy credit card with a credit card?
No, you cannot pay a credit card bill with another credit card. You must pay from a checking or savings account, or with a debit card. Paying with a credit card would count as a cash advance and would charge you fees and higher interest rates.
What if I pay more than I owe?
If you overpay, 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 customer service. Some issuers will refund overpayments automatically after a certain period.
Can I change my due date?
Many issuers allow you to request a different due date through your online account or by calling customer service. This can be helpful if your due date falls before payday. Check your account or call to see if your issuer offers this option.
What should I do if my payment was rejected?
If a payment fails, you will usually receive a notice by email or mail. Common reasons include insufficient funds, an expired debit card, or incorrect account information. Log back into your account, update your payment method, and try again. Call customer service if you are unsure why the payment failed.