Where to send your Old Navy credit card payment

Old Navy credit cards are issued by Synchrony Bank, not by Old Navy itself. This means you send your payment to Synchrony, not to an Old Navy store or the main company. The payment address and methods available depend on which type of Old Navy card you have — the store card or the Synchrony Mastercard.

You can pay online through your Synchrony account, by phone, by mail, or in person at an Old Navy store if you have the store card. The fastest and most reliable method is online, where you can see your balance update within one business day.

Key Takeaways

  • Old Navy credit cards are managed by Synchrony Bank, so you pay Synchrony, not Old Navy directly.
  • Online payment through your Synchrony account is the fastest method and shows your updated balance within one business day.
  • You can also pay by phone at the number on the back of your card, by mail to the address on your statement, or in person at an Old Navy store for the store card.
  • Setting up automatic payments prevents late fees and keeps your account in good standing.
  • Your payment due date appears on your monthly statement, and paying at least the minimum by that date avoids a late fee.

Paying online through your Synchrony account

Log in to your Synchrony account at mysynchrony.com or through the Synchrony mobile app. Enter your card number or the email address associated with your account. Once logged in, select your Old Navy card from the list of accounts if you have multiple cards.

Click "Make a Payment" and enter the amount you want to pay. You can pay your full balance, the minimum payment, or any amount in between. Choose your payment method — you can pay from a checking or savings account, or use a debit card. Synchrony will show you the date the payment will post to your account, usually within one business day for bank transfers.

After you confirm the payment, Synchrony sends you a confirmation number. Save this number or take a screenshot in case you need to reference the transaction later.

Paying by phone or mail

The phone number for Synchrony customer service appears on the back of your Old Navy credit card. Call that number and a representative will walk you through the payment process. You will need your card number and the amount you want to pay. Payments made by phone typically post within one to two business days.

To pay by mail, write a check or money order payable to Synchrony Bank. Include your account number on the check. The mailing address is on your monthly statement — it usually appears near the top or bottom of the first page. Mail your payment at least five to seven days before your due date to make sure it arrives on time. Payments sent by mail can take one to two weeks to post, so this method carries more risk of a late fee if you are close to your due date.

Paying in person at Old Navy stores

If you have the Old Navy store card (not the Mastercard), you can pay your bill in person at any Old Navy location. Go to the customer service desk and tell them you want to make a credit card payment. Bring a form of payment — cash, debit card, or another credit card. The store will process your payment on the spot.

In-store payments post to your account within one to three business days. This method works well if you are already shopping at Old Navy, but it is not faster than paying online, so it should not be your primary method if you are trying to avoid a late fee.

Setting up automatic payments to avoid missed due dates

Automatic payments remove the risk of forgetting your due date. Log into your Synchrony account, go to the payment settings, and select "Set Up Auto Pay." Choose whether you want to pay your full statement balance, the minimum payment, or a fixed amount each month. Select the date you want the payment to come out — most people choose a date shortly after they receive their paycheck.

Synchrony will pull the payment from your bank account on that date every month. You can change or cancel automatic payments anytime through your account. If your balance changes significantly, you can adjust the payment amount or pause it for a month if needed.

Automatic payments are the most reliable way to stay current on your account and avoid late fees, which typically run 25 to 35 dollars depending on your account terms.

Understanding your statement and due date

Your monthly statement shows your current balance, the minimum payment due, and the due date. The due date is always the same day each month — for example, the 15th or the 25th. Your payment must post to your account by 5 p.m. Eastern Time on the due date to avoid a late fee.

The statement also shows your interest rate (called the APR, or annual percentage rate) and how much interest you paid that month. If you carry a balance from month to month, interest charges add up quickly. Paying your full balance each month avoids interest charges entirely.

If you miss your due date, Synchrony reports the late payment to the credit bureaus after 30 days. This can lower your credit score and make it harder to borrow money in the future. If you are more than 60 days late, the consequences become more serious, including higher interest rates and potential legal action.

What to do if you cannot pay on time

If you know you cannot make your payment by the due date, contact Synchrony before the date arrives. Call the number on the back of your card and explain your situation. Synchrony may be able to extend your due date by a few days or work out a payment plan, though this is not may provide.

Paying even a small amount before the due date is better than paying nothing. A partial payment shows good faith and may prevent Synchrony from reporting you as late to the credit bureaus. If you are struggling with multiple debts, a credit counselor can help you create a plan to catch up. The National Foundation for Credit Counseling (NFCC) offers free or low-cost counseling through local agencies.

Frequently Asked Questions

Can I pay my Old Navy credit card at an Old Navy store if I have the Mastercard version?

No, in-store payments are only available for the Old Navy store card. If you have the Synchrony Mastercard, you must pay online, by phone, by mail, or through automatic payment. The store card and Mastercard are separate products with different payment systems.

How long does it take for an online payment to show up on my account?

Online payments typically post within one business day. Synchrony shows you the expected posting date when you confirm the payment. Payments made after 5 p.m. Eastern Time may not post until the next business day.

What happens if I pay more than my minimum payment?

The extra amount goes toward your balance and reduces the interest you pay. If you pay your full statement balance each month, you pay no interest at all. Paying more than the minimum is always a good idea if you can afford it.

Can I set up automatic payments for a specific amount instead of my full balance?

Yes. You can choose to pay a fixed dollar amount each month, your full balance, or just the minimum. If you choose a fixed amount, make sure it is at least the minimum payment shown on your statement, or you will still be late.

What should I do if I think a payment was lost in the mail?

Log into your Synchrony account and check whether the payment posted. If it has not posted after two weeks, call Synchrony customer service with the date you mailed it. They can search for the payment and may be able to locate it or credit your account if it was lost.