Where and how to pay your Old Navy card
You can pay your Old Navy credit card bill online through your account, by phone, by mail, or in person at an Old Navy store. The fastest and most common method is logging into your account at oldnavy.com or through the Old Navy mobile app, where you can make a one-time payment or set up automatic payments. You'll need your card number and online login credentials to get your free guide.
If you prefer to call, the customer service number is on the back of your card. A representative can process your payment over the phone using your bank account or debit card. Payments made online or by phone typically post within one to two business days, though the exact timing depends on your bank.
Mailing a check is slower but still an option. Your billing statement includes the mailing address for payments. Mail typically takes five to seven business days to arrive, so plan ahead if your due date is approaching. Paying in person at an Old Navy store is also possible—ask a cashier to direct you to customer service.
Key Takeaways
- Online payment through oldnavy.com or the mobile app is the fastest method and posts within one to two business days.
- You can set up automatic payments so your bill is paid on the same date each month without manual action.
- Phone payments are available by calling the number on the back of your card, and a representative can process payment immediately.
- Mailed payments take five to seven business days to arrive, so send them early if your due date is soon.
- Late payments trigger interest charges and can damage your credit score, so prioritize paying by your due date.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. Log into your Old Navy account online, go to the payment or billing section, and look for the option to set up automatic payments or autopay. You'll choose the amount (minimum payment, statement balance, or a custom amount), the date each month when the payment should process, and the bank account to draw from.
Once set up, the payment processes automatically on your chosen date each month. You can change or cancel automatic payments anytime through your account settings. Even with autopay active, check your account periodically to make sure the payment went through and that your balance is decreasing as expected.
What happens if you miss a payment
Missing a payment triggers late fees and interest charges. Your card issuer typically charges a late fee (the amount varies but is usually $25 to $40 for the first late payment) and applies a higher interest rate to your balance. The exact penalties are in your cardholder agreement, which you received when you opened the account.
A missed payment also reports to the credit bureaus after 30 days, which lowers your credit score. The damage worsens if the account goes 60 or 90 days past due. If you know you'll miss a due date, call customer service before the date arrives—some issuers can work with you on timing or temporarily adjust your due date.
Paying more than the minimum
The minimum payment covers only interest and a small portion of principal, so paying only the minimum keeps you in debt much longer and costs significantly more in interest. If you can afford to pay more than the minimum, do so. Any amount above the minimum goes directly toward reducing your balance.
Paying the full statement balance each month is ideal because it avoids interest charges entirely. If you can't pay the full balance, paying as much as you can afford still saves money compared to the minimum. Use an online calculator to see how long it will take to pay off your balance at different payment levels—the difference is often eye-opening.
Understanding your billing cycle and due date
Your billing cycle typically runs 28 to 31 days, and your statement closes on a specific date each month. Your due date is usually 21 to 25 days after the statement closes. Both dates appear on your billing statement and in your online account. Payments received by 5 p.m. Eastern Time on your due date are considered on time; payments after that may incur a late fee.
If your due date falls on a weekend or holiday, the payment is due the next business day. Some issuers allow you to request a different due date if the current one doesn't align with your paycheck or budget. Contact customer service to ask about changing your due date—this is a simple change that can help you stay on schedule.
Payment methods and security
Old Navy accepts payments from checking or savings accounts, debit cards, and credit cards (though paying a credit card with another credit card usually incurs a cash advance fee). Online and phone payments are encrypted and secure. Never share your full card number, PIN, or online password with anyone, and always pay through official Old Navy channels—not through links in unsolicited emails or texts.
If you receive an email or text claiming to be from Old Navy asking you to verify your account or payment information, do not click the link. Instead, go directly to oldnavy.com or call the number on your card. Scammers often impersonate credit card companies to steal account details.
Frequently Asked Questions
Can I pay my Old Navy card with a different credit card?
Technically yes, but it's not recommended. Paying one credit card with another usually triggers a cash advance fee (typically 3 to 5 percent of the amount), which increases what you owe. If you're short on funds, contact customer service to discuss payment options instead.
How long does it take for a payment to show up in my account?
Online and phone payments typically post within one to two business days. Mailed checks take five to seven business days. If you're close to your due date, pay online or by phone to ensure the payment arrives on time and avoids a late fee.
What if I paid but my balance didn't change?
Payments take one to two business days to post. Check your account again after that window. If the payment still hasn't appeared, contact customer service with your confirmation number or receipt. Keep records of all payments you make.
Can I change my due date?
Yes. Contact Old Navy customer service and ask to change your due date. They can usually move it to align better with your paycheck or budget. The change typically takes effect on your next billing cycle.
What's the difference between the minimum payment and the statement balance?
The minimum payment is the smallest amount you must pay to avoid a late fee—usually 1 to 3 percent of your balance plus interest. The statement balance is the full amount you charged during the billing cycle. Paying the statement balance avoids interest; paying only the minimum keeps you in debt and costs more over time.