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 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.
Your payment address and account number appear on your monthly statement. If you've lost your statement, log into your Synchrony account online or call the customer service number on the back of your card to find the correct mailing address and confirm your account details before sending a check.
Key Takeaways
- Online payment through Synchrony's website or mobile app is the fastest method and typically posts within one business day.
- Phone payments to Synchrony can be made 24/7 by calling the number on your card, and you'll need your account number and routing information ready.
- Mail payments take 7 to 10 business days to arrive and post, so send them at least two weeks before your due date to avoid late fees.
- In-store payments at Old Navy locations are processed immediately but may not post to your account until the next business day.
- Setting up automatic payments through Synchrony prevents missed due dates, though you should still check your statement monthly to catch billing errors.
Paying online through Synchrony
The fastest way to pay is through Synchrony's website or mobile app. Go to Synchrony.com, select Old Navy as your card issuer, and log in with your username and password. If you don't have an online account yet, you can create one using your card number and other identifying information from your statement.
Once logged in, select "Make a Payment" and choose the amount you want to pay — you can pay your full balance, the minimum payment, or any amount in between. You can pay from a checking or savings account using your routing and account number, or from another credit card (though this usually carries a fee). Payments made before 8 p.m. Eastern Time typically post the same business day; payments after that post the next business day.
The Synchrony mobile app offers the same features as the website and lets you check your balance and due date on the go. You can also set up automatic payments through the app so you never miss a due date.
Paying by phone or mail
To pay by phone, call the customer service number on the back of your Old Navy credit card. A representative will ask for your account number, the amount you want to pay, and your bank account or routing information. Phone payments are available 24/7 and are processed immediately, though they may take one business day to show in your account.
If you prefer to mail a check, write your account number on the check and send it to the address listed on your statement. Include only the check — do not send your card or other documents. Mail payments typically take 7 to 10 business days to arrive at Synchrony's processing center and another 1 to 2 business days to post to your account, so plan ahead to avoid late fees. Send your payment at least two weeks before your due date to be safe.
Paying in person at Old Navy stores
You can walk into any Old Navy location and pay your credit card bill at the register. Bring your card or account number and the amount you want to pay in cash or debit card. The payment is processed immediately at the register, though it may not show in your Synchrony account until the next business day.
In-store payments are useful if you're already shopping or if you prefer to handle money in person, but they don't offer any speed advantage over online payment and require you to visit a physical location. This method works best as a backup if you're close to your due date and other methods aren't convenient.
Setting up automatic payments
Automatic payments ensure you never miss a due date and help you avoid late fees and interest charges. Log into your Synchrony account online or through the mobile app, go to "Automatic Payments," and choose the amount and frequency you want to pay. You can set it to pay your full balance, your minimum payment, or a fixed amount each month.
Select the bank account you want the payment to come from and the date you want it to post each month. Most people choose a date shortly after they get paid so the money is available. Once set up, the payment happens automatically on that date each month until you cancel it.
Even with automatic payments turned on, check your statement each month to make sure the payment went through and to catch any billing errors or unauthorized charges. If you notice a problem, contact Synchrony right away — you have the right to dispute charges within 60 days of the statement date.
What happens if you miss a payment
If your payment doesn't arrive by the due date, Synchrony will charge a late fee (the amount varies but is typically $25 to $40 for the first late payment). Your interest rate may also increase, and the missed payment will show on your credit report after 30 days, which can lower your credit score.
If you realize you're going to miss a due date, contact Synchrony as soon as possible. Some cardholders can negotiate a one-time late fee waiver or a short extension, especially if you have a good payment history. The sooner you call, the better your chances of working something out.
If you fall behind on multiple payments, Synchrony may freeze your account and stop allowing new purchases. They may also send your account to a collection agency if the debt goes unpaid for several months. Catching up as quickly as you can prevents these consequences from getting worse.
Frequently Asked Questions
Can I pay my Old Navy credit card bill at the store with a different payment method?
Yes. At the register, you can pay with cash, a debit card, or another credit card. You cannot pay with a check in store. Bring your Old Navy card or account number so the cashier can apply the payment to the correct account.
How do I know if my payment went through?
Log into your Synchrony account online or through the app and check your balance and recent transactions. You should see the payment listed within one business day of making it. If you paid by mail or phone, allow extra time before checking. If a payment doesn't show after the expected timeframe, call Synchrony to confirm it was received.
What if I want to pay more than my balance?
Synchrony will accept overpayments and hold the extra money as a credit on your account. You can use that credit toward future purchases or request a refund. If you request a refund, it typically takes 5 to 7 business days to appear in your bank account.
Can I change my automatic payment amount or date?
Yes. Log into your Synchrony account, go to "Automatic Payments," and edit the amount or date. Changes usually take effect on your next scheduled payment. If you need to stop automatic payments entirely, you can cancel them the same way, though you'll need to make manual payments after that to avoid late fees.
Is there a fee to pay my Old Navy credit card online?
No. Paying through Synchrony's website or app is free. Paying by phone is also free. Paying by mail costs only the price of a stamp. In-store payments are free as well. The only exception is if you pay with a credit card instead of a bank account — Synchrony charges a fee for that, usually 2% to 3% of the payment amount.