Where to send your Old Navy credit card payment
Old Navy credit card payments go to Synchrony Bank, which handles the account on behalf of Old Navy. You can pay online through your Synchrony account, by phone, by mail, or in person at an Old Navy store. The method you choose affects how quickly the payment posts and whether you can set it up to happen automatically.
The fastest route is the Synchrony website or mobile app, where payments post the same day if submitted before the cutoff time (usually 8 p.m. Eastern). Phone payments also post same-day. Mail and in-store payments take longer — typically three to five business days — so use those only if you cannot access online or phone options.
Key Takeaways
- Synchrony Bank processes Old Navy credit card payments, and you can pay online at mysynchrony.com, by phone at 1-866-396-8254, or by mail to the address on your statement.
- Online and phone payments post the same day if submitted before the evening cutoff, while mail payments take three to five business days to reach your account.
- You can set up automatic payments through your Synchrony account to pay a fixed amount or your full balance on a date you choose each month.
- Late fees begin 21 days after your due date, so paying by the due date shown on your statement prevents penalties even if the payment takes a few days to post.
Paying online through Synchrony
Go to mysynchrony.com and log in with your username and password. If you do not have an online account yet, you can create one using your card number and the last four digits of your Social Security number. Once logged in, select "Make a Payment" and choose the amount you want to pay — you can pay the full balance, the minimum payment, or a custom amount.
You will be asked to confirm your payment method. Synchrony accepts payments from a bank account (checking or savings) at no charge. Paying with a debit card or credit card incurs a fee, so avoid that route unless you have a specific reason. After you confirm, the payment posts when ready to your account, though it may take one to two business days for the money to leave your bank.
The Synchrony mobile app works the same way and is often faster if you are paying from a phone. read it from the App Store or Google Play, log in, and follow the same steps.
Paying by phone
Call Synchrony at 1-866-396-8254 to pay by phone. Have your card number and bank account information ready. A representative will ask how much you want to pay and confirm your bank details before processing the payment. Phone payments post the same day and do not carry a fee.
Phone lines are open Monday through Friday, 8 a.m. to 10 p.m. Eastern, and Saturday and Sunday, 9 a.m. to 8 p.m. Eastern. If you call outside these hours, you can leave a callback request and a representative will contact you during business hours.
Paying by mail
The mailing address for Old Navy credit card payments appears on your monthly statement. Write a check or money order for the amount you owe, include your account number on the check, and mail it to the address listed. Do not send cash through the mail.
Mail payments take three to five business days to arrive and post to your account. If your due date is approaching, mail is the slowest option and carries the risk that your payment will not arrive in time. Use mail only if you have no other way to pay, or if you are paying well before your due date.
Setting up automatic payments
Automatic payments prevent missed due dates and late fees. Log into your Synchrony account online or through the app, go to "Manage Automatic Payments," and choose the amount and date. You can set it to pay your full balance, your minimum payment, or a fixed amount each month.
Most people choose to pay the full balance on the due date shown on their statement. This ensures you never carry a balance and never pay interest. If you choose to pay only the minimum, you will owe interest on the remaining balance, and the debt will take much longer to pay off.
You can change or cancel automatic payments at any time through your account. If you cancel, make sure you have another way to pay so you do not miss a due date.
What happens if you miss a payment
Your payment is considered late if it does not post by 11:59 p.m. Eastern on your due date. Synchrony charges a late fee (the amount varies but is typically $25 to $40 for the first late payment) and reports the late payment to credit bureaus after 30 days. A single late payment can lower your credit score by 50 to 100 points.
If you miss a payment, contact Synchrony as soon as possible. Explain the situation and ask whether they will waive the late fee — many issuers will do this once if you have a clean payment history. Pay the full amount owed plus the late fee to bring your account current.
If you cannot pay the full amount, ask about a payment plan. Synchrony sometimes works with cardholders who are struggling to pay, though they are not required to do so. The sooner you contact them, the more options you may have.
Understanding your statement and due date
Your monthly statement shows your current balance, minimum payment due, and due date. The due date is always the same day each month (for example, the 15th). Your payment must post by 11:59 p.m. Eastern on that date to avoid a late fee.
The statement also shows your interest rate (called the Annual Percentage Rate or APR) and how much interest you will owe if you carry a balance. Old Navy credit card APR varies based on your credit score and current market rates, but typically ranges from 18% to 27%. If you carry a balance, you will owe interest on top of your principal balance each month.
Review your statement each month to check for unauthorized charges or errors. If you see something wrong, contact Synchrony within 60 days of the statement date to dispute it.
Frequently Asked Questions
Can I pay my Old Navy credit card at an Old Navy store?
Yes. Walk into any Old Navy location and ask a cashier to process a credit card payment. You will need your card or account number. In-store payments take three to five business days to post, so they are slower than online or phone payments. Use this option only if you cannot pay online or by phone.
What if I pay more than I owe?
The extra amount becomes a credit on your account and reduces what you owe next month. You can also request a refund of the overpayment by contacting Synchrony, though this takes several business days. Most people straightforward let the credit roll forward to the next billing cycle.
Do I have to pay the full balance, or can I pay just the minimum?
You can pay any amount between the minimum and the full balance. However, if you pay less than the full balance, you will owe interest on the remaining amount at your card's APR. Paying only the minimum means your debt grows each month and takes years to pay off. Paying the full balance avoids interest entirely.
What if my payment is rejected?
Payments are usually rejected because the bank account information is incorrect or the account does not have enough funds. If your payment is rejected, you will receive a notice from Synchrony. Contact them when ready to correct the problem and resubmit your payment before your due date passes.
Can I change my due date?
Yes. Log into your Synchrony account, go to "Account Settings," and select "Change Due Date." You can move your due date to any day of the month. This is useful if your due date falls before you get paid. Changing your due date does not affect your current payment — you still owe by the original due date this month.