Where to send your Old Navy credit card payment

Old Navy credit card payments go to Synchrony Bank, the company that issues and manages the card on Old Navy's behalf. You have four main ways to pay: online through your Synchrony account, by phone, by mail, or in person at an Old Navy store.

The fastest and most direct route is logging into your Synchrony account at mysynchrony.com. You can see your balance, due date, and transaction history there, and you can make a one-time payment or set up automatic payments from a bank account or debit card. Payments made online typically post within one business day.

If you prefer to pay by phone, call the customer service number on the back of your card or contact Synchrony directly at 1-866-206-5266. A representative will walk you through the payment over the phone and can answer questions about your account balance or due date.

Key Takeaways

  • Synchrony Bank manages Old Navy credit card accounts, so payments go to Synchrony, not to Old Navy directly.
  • Online payment through mysynchrony.com is the fastest method and usually posts within one business day.
  • You can pay by phone, mail, or in person at an Old Navy store, though these methods take longer to process.
  • Setting up automatic payments through your Synchrony account prevents missed due dates and late fees.
  • The due date appears on your monthly statement and in your online account; paying by that date avoids interest charges.

Paying online through your Synchrony account

To pay online, go to mysynchrony.com and sign in with your username and password. If you do not have an account set up yet, you can create one by entering your card number and other identifying information. Once logged in, select "Make a Payment" and choose whether you want to pay from a bank account (ACH transfer) or a debit card.

Enter the amount you want to pay — you can pay the full balance, the minimum payment, or any amount in between. Confirm the payment date; if you choose today's date, the payment posts within one business day. If you schedule it for a future date, it will process on that day. After you confirm, you will receive a confirmation number for your records.

Automatic payments are also set up through mysynchrony.com. Go to "Manage Automatic Payments" and choose a payment amount (minimum, full balance, or a fixed dollar amount) and a day each month when the payment should come out of your bank account. This prevents accidental late payments and is especially useful if you have multiple credit cards.

Paying by phone or mail

To pay by phone, call the number on the back of your card or 1-866-206-5266. Have your account number and the bank account or debit card you want to pay from ready. The representative will confirm your payment amount and processing date. Phone payments typically take two to three business days to post to your account.

If you prefer to mail a check or money order, the mailing address appears on your monthly statement. Write your account number on the check and mail it to the address listed. Mail payments take five to seven business days to arrive and post, so send your payment well before your due date to avoid late fees. Keep a copy of the check or money order number for your records.

Paying in person at Old Navy

You can make a payment at any Old Navy store location using a debit card, credit card, or cash. Ask a cashier or customer service associate to help you process a credit card payment. In-store payments are convenient if you are already shopping, but they take the same amount of time to post as online payments — usually one business day.

In-store payments do not reduce your balance immediately; the payment still goes through Synchrony's system and posts within one to two business days. If your due date is very soon, paying online or by phone is safer because you can confirm the exact posting date.

Understanding your due date and avoiding late fees

Your due date appears on your monthly statement and in your Synchrony account online. Payments must post by 5 p.m. Eastern Time on the due date to avoid a late fee. If you pay by mail or phone, account for processing time — mail takes five to seven days, and phone payments take two to three days.

If you miss your due date, Synchrony will charge a late fee (the amount varies but is typically $25 to $40 for the first late payment). More importantly, a late payment can trigger a higher interest rate on your card and will appear on your credit report. If you are unable to pay by your due date, contact Synchrony as soon as possible to discuss your options; some accounts may have hardship programs or payment arrangements available.

What to do if you cannot find your account or have trouble paying

If you have lost your card or do not remember your Synchrony login, you can still pay by phone. Call 1-866-206-5266 and provide your name, address, and the last four digits of your card. The representative can look up your account and process a payment without requiring you to log in online.

If you are having trouble accessing mysynchrony.com or your payment is not going through, try clearing your browser's cache and cookies, then log in again. If the problem persists, call Synchrony customer service. Technical issues are usually resolved quickly, and a representative can process your payment over the phone while you wait.

Frequently Asked Questions

How long does it take for my payment to show up in my account?

Online and in-store payments typically post within one business day. Phone payments take two to three business days. Mail payments take five to seven business days. The exact timing depends on when Synchrony processes the payment, not when you send it.

Can I pay my Old Navy credit card bill at an Old Navy store?

Yes. You can pay at any Old Navy register using a debit card, credit card, or cash. The payment is processed through Synchrony and posts within one to two business days, just like an online payment. Ask a cashier for help if you are unsure how to proceed.

What happens if I pay late?

Synchrony will charge a late fee (typically $25 to $40) and may increase your interest rate. A late payment will also appear on your credit report and can lower your credit score. If you are unable to pay by your due date, contact Synchrony before the deadline to discuss options.

Can I set up automatic payments so I never miss a due date?

Yes. Log into mysynchrony.com, go to "Manage Automatic Payments," and choose a payment amount and day each month. You can set it to pay your full balance, minimum payment, or a fixed dollar amount. Automatic payments come out of your bank account on the day you choose.

Is there a fee to pay my Old Navy credit card?

No. Synchrony does not charge a fee for making a payment, regardless of which method you use. However, if you pay late, you will be charged a late fee. Some banks may charge a fee if you use a third-party payment service, but paying directly through Synchrony is always free.