Where to pay your Old Navy credit card online

You can pay your Old Navy credit card bill through the Old Navy website, the Old Navy mobile app, or by calling customer service. The online portal is the fastest route: log in with your username and password, find the payment section, enter the amount you want to pay, and choose your payment method (bank account or debit card). Payments made online typically post within one to two business days.

If you prefer the mobile app, the process is identical — log in, navigate to payments, and submit. Both routes let you set up a one-time payment or schedule recurring payments for the same date each month. You can also pay by phone by calling the customer service number on the back of your card; a representative will walk you through the process and confirm the payment before it processes.

Key Takeaways

  • Online and mobile app payments post within one to two business days, while mail payments take seven to ten business days depending on postal delivery.
  • You can pay from a checking or savings account, or use a debit card, but credit cards are not accepted as payment methods.
  • Setting up automatic monthly payments ensures you never miss a due date and helps protect your credit score.
  • Payments made after 5 p.m. Eastern Time may not post until the next business day, so submit before that time if your due date is approaching.

Paying by mail or in person

If you prefer not to pay online, you can mail a check or money order to the address listed on your billing statement. Write your account number on the check and mail it to the payment processing center shown on your bill. Mail payments typically take seven to ten business days to post, so send your payment at least two weeks before your due date to avoid a late fee.

Old Navy does not accept in-person payments at store locations. Payments must be made online, by phone, or by mail. If you need to make a payment urgently and do not have online access, calling customer service is your fastest option.

Setting up automatic payments

Automatic payments remove the risk of forgetting your due date. Log into your account online or through the app, go to the payment settings, and select "autopay" or "automatic payment." You can choose to pay your full statement balance, a fixed amount, or just the minimum payment each month. Select the date you want the payment to come out — most cardholders choose a date shortly after payday to ensure funds are available.

You can change or cancel automatic payments anytime through your account settings. If you cancel, you will need to make manual payments going forward. Automatic payments are deducted from the bank account or debit card you have on file, so make sure that account stays active and funded.

What payment methods are accepted

Old Navy accepts payments from a checking or savings account (via electronic bank transfer) or from a debit card. Credit cards cannot be used to pay your Old Navy credit card bill. If you are paying online or through the app, you will enter your bank routing and account number, or your debit card details. By phone, a representative will ask for the same information and process the payment securely.

Do not mail cash. If you are paying by mail, use a check or money order only. Keep a record of your payment confirmation number (provided online or by phone) or a copy of your cancelled check for your records.

Understanding your due date and late fees

Your due date appears on your billing statement and is typically 21 to 25 days after your statement closes. Payments received by 5 p.m. Eastern Time on your due date are considered on time. If your payment arrives after that time or after your due date, a late fee will be charged — the amount varies but is typically $25 to $40 for the first late payment.

Late payments also affect your credit score and may trigger a higher interest rate on your balance. If you miss a payment, contact customer service as soon as possible. Some cardholders can have a single late fee waived if they have a good payment history, though this is not may provide. The sooner you catch up, the less damage to your credit.

Paying more than the minimum

Your statement shows a minimum payment (usually 1 to 3 percent of your balance) and your full statement balance. Paying only the minimum means you will carry a balance and pay interest charges each month. Paying your full balance eliminates interest charges for that billing cycle.

If you cannot pay the full balance, paying more than the minimum still reduces the interest you owe and gets you out of debt faster. Any payment you make above the minimum goes directly toward your principal balance. You can make multiple payments in a single month if you want — there is no limit on how many times you can pay.

Troubleshooting payment problems

If your online payment is declined, the most common reasons are insufficient funds in your bank account, an expired debit card, or a mismatch between the address on file and your current address. Check that your bank account has enough money and that your debit card has not expired. If the address does not match, update it in your account settings before trying again.

If you submitted a payment but it has not posted after two business days, log into your account and check the payment status. Most online systems show whether a payment is pending, processed, or failed. If it shows failed, you will need to resubmit. If it shows pending and more than two business days have passed, contact customer service with your confirmation number and they can investigate.

Frequently Asked Questions

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

No. Old Navy does not accept in-store payments. You must pay online, through the mobile app, by phone, or by mail. Paying online or by phone is fastest and posts within one to two business days.

What happens if I pay late?

A late fee (typically $25 to $40) will be added to your account, and the late payment will be reported to credit bureaus, which can lower your credit score. Your interest rate may also increase. Contact customer service immediately if you miss a payment — some cardholders with good payment history can have a single late fee waived.

Can I use a credit card to pay my Old Navy bill?

No. Old Navy only accepts payments from a checking or savings account (bank transfer) or a debit card. Credit cards cannot be used as a payment method.

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

Online and mobile app payments post within one to two business days. Mail payments take seven to ten business days. Payments submitted after 5 p.m. Eastern Time may not post until the next business day.

Can I set up a payment plan if I cannot pay my full balance?

Old Navy does not offer formal payment plans, but you can pay any amount above the minimum each month. Contact customer service if you are struggling to pay — they may be able to discuss options or temporarily lower your interest rate based on your situation.