Where to pay your Old Navy credit card
You can pay your Old Navy credit card bill online through the Synchrony Bank portal, by phone, by mail, or in person at an Old Navy store. The online method is the fastest and most common — you log into your account at synchrony.com or through the Old Navy mobile app, enter your payment amount, and choose your payment date. Synchrony is the bank that issues the Old Navy credit card, so all payments route through their system regardless of which method you choose.
If you prefer not to use the website, you can call the customer service number on the back of your card to make a payment over the phone. Payments made online or by phone typically post within one business day. Mail payments take longer — usually 7 to 10 business days from the time Synchrony receives the envelope — so this method is best used only if you have time before your due date.
In-store payments at Old Navy locations are also an option, though not all stores offer this service. Call ahead to confirm your local store accepts card payments before you go. This method is useful if you're already shopping and want to pay when ready, but it does not speed up posting time compared to online payment.
Key Takeaways
- Online payment through synchrony.com or the Old Navy app is the fastest method and posts within one business day.
- Phone payments using the number on your card are available 24/7 and also post within one business day.
- Mail payments take 7 to 10 business days to post, so send them early if your due date is approaching.
- Your payment due date is listed on your monthly statement, and paying by that date avoids late fees and interest charges.
- Setting up automatic payments through Synchrony prevents missed due dates and removes the need to remember to pay each month.
Setting up automatic payments
Automatic payments are the simplest way to may support you never miss a due date. Log into your Synchrony account online, go to the payments section, and select "Set up automatic payment." You choose the amount (minimum payment, statement balance, or a fixed dollar amount you set), the date each month when the payment should leave your bank account, and your bank account number.
Once automatic payments are active, Synchrony withdraws the amount on your chosen date every month. You can change or cancel the automatic payment at any time through your online account. Many people set automatic payments to the full statement balance on the due date, which means the card carries no balance and no interest charges month to month.
If you set automatic payments to only the minimum payment, interest will still accrue on the remaining balance. The minimum payment covers only a portion of what you owe, so the card balance shrinks slowly and you pay more in interest over time. Paying the full statement balance each month is the lower-cost approach if your budget allows it.
Understanding your due date and billing cycle
Your Old Navy credit card statement closes on a specific date each month — this is your statement closing date. Your payment is then due about 21 days later, on your due date. Both dates appear on your monthly statement and in your online account. If you pay after the due date, Synchrony charges a late fee and may report the late payment to credit bureaus, which can lower your credit score.
Charges you make after the statement closing date appear on your next month's statement and are not due until the following month. This means if you charge something on the 26th and your statement closes on the 25th, that charge won't be due for roughly 50 days. Understanding this timing helps you plan payments and avoid accidentally missing a due date.
If your due date falls on a weekend or holiday, Synchrony typically extends the important date to the next business day. However, do not rely on this — pay by the stated due date to be safe. Paying a few days early removes any risk of a late fee.
What happens if you miss a payment
A payment that arrives after your due date is considered late. Synchrony charges a late fee — the amount varies but is typically $25 to $40 for the first late payment. If you miss a payment by 30 days, the late fee may increase and Synchrony may report the account as 30 days past due to credit bureaus. This report can lower your credit score by 50 to 100 points or more, depending on your current score.
If your account reaches 60 days past due, your interest rate may increase to a penalty rate, which is higher than your regular purchase rate. At 90 days past due, Synchrony may close your account and refer it to a collections agency. Once an account goes to collections, the damage to your credit score is severe and can take years to repair.
If you miss a payment, contact Synchrony as soon as possible. Explain your situation and ask whether they can waive the late fee, especially if it's your first missed payment. Many issuers will remove a single late fee if you have a good payment history and catch up quickly. The sooner you pay, the less damage occurs to your credit.
Payment methods and processing times
| Payment Method | How to Use | Processing Time |
|---|---|---|
| Online (Synchrony website or app) | Log in, enter amount, choose date | 1 business day |
| Phone | Call number on back of card | 1 business day |
| Send check to address on statement | 7–10 business days | |
| In-store | Visit Old Navy location (call first) | 1–2 business days |
| Automatic payment | Set up once in online account | 1 business day on chosen date |
Paying down your balance faster
If you carry a balance on your Old Navy card, interest charges add up quickly. The card's purchase rate varies by creditworthiness but typically ranges from 18% to 27% annually. On a $1,000 balance at 24% interest, you pay roughly $20 per month in interest alone if you only make minimum payments. Paying more than the minimum each month reduces the balance faster and saves money on interest.
One approach is to pay the full statement balance every month, which means you owe no interest. Another is to make multiple payments throughout the month — for example, paying half the balance when you receive your paycheck and the other half a week later. This reduces the average balance Synchrony charges interest on and lowers your total interest cost.
If you're carrying a large balance and struggling to pay it down, consider whether a balance transfer to a card with a lower interest rate or a 0% introductory period makes sense. Compare the balance transfer fee (usually 3% to 5% of the amount transferred) against the interest you'd save. For balances over $2,000, a balance transfer often saves money even with the fee.
Frequently Asked Questions
Can I pay my Old Navy credit card bill at a store?
Some Old Navy locations accept in-store card payments, but not all do. Call your local store before you go to confirm they offer this service. In-store payments post to your account within 1 to 2 business days, the same as online or phone payments.
What time of day do online payments post?
Synchrony processes online payments throughout the day, but the exact posting time varies. Payments made before midnight typically post by the next business day. If your due date is tomorrow, do not wait until the last hour — pay today to may support the payment posts on time.
Is there a fee to pay my Old Navy credit card?
No. Synchrony does not charge a fee for paying your bill online, by phone, by mail, or in person. The only charges you incur are late fees (if you pay after the due date) and interest (if you carry a balance).
What if I pay more than I owe?
If you send a payment larger than your statement balance, Synchrony credits the extra amount to your account as a credit balance. You can use this credit toward future purchases, or you can request a refund. Contact Synchrony to request a refund if you prefer to have the money returned to your bank account.
Can I change my due date?
Yes. Log into your Synchrony account online, go to account settings, and look for the option to change your due date. Synchrony typically allows you to choose a date between the 1st and the 28th of each month. Changing your due date can help align your payment with your paycheck or other bills.