Where to send your Old Navy credit card payment

Old Navy's credit card is issued by Barclays Bank Delaware, so you send payments to Barclays, not to Old Navy directly. You can pay online through your Barclays account, by phone, by mail, or in person at an Old Navy store. The fastest and most common method is online through the Barclays website or mobile app, where payments post within one business day.

If you haven't set up an online account yet, you'll need your card number and the phone number or email associated with your account. Barclays will send you login credentials by mail if you request them, though creating an account online is faster.

Key Takeaways

  • Pay your Old Navy credit card to Barclays online at barclaycard.com, by calling 1-866-408-4156, or by mailing a check to the address on your statement.
  • Online payments typically post within one business day; phone and mail payments take longer and should be sent at least 10 days before your due date to avoid late fees.
  • You can also pay in person at any Old Navy store using cash, debit card, or another credit card, though this method doesn't show as a payment to Barclays immediately.
  • Set up automatic payments through your Barclays account to avoid missing a due date, and choose the payment date that works with your paycheck schedule.
  • Late payments report to credit bureaus after 30 days and trigger late fees starting at your first missed due date.

Paying online through Barclays

Log in to your Barclays account at barclaycard.com or use the Barclays Mobile app. From your account dashboard, select your Old Navy card and choose "Make a Payment." You can pay the full balance, the minimum payment, or any amount in between. Enter the payment amount and confirm the date you want it to process.

Online payments are free and typically post within one business day. If you pay before 11:59 p.m. Eastern Time on a business day, it usually posts the next business day. Payments made on weekends or holidays post the next business day after that. This method is the most reliable way to ensure your payment arrives on time.

Paying by phone or mail

To pay by phone, call Barclays at 1-866-408-4156. Have your card number and the amount you want to pay ready. A representative will process the payment over the phone. Phone payments are free but take longer to post than online payments—typically 1 to 3 business days.

To pay by mail, write a check payable to Barclays and include your card number on the check. Mail it to the address printed on your monthly statement under "Payment Address." Do not send payments to an Old Navy store or to Old Navy's corporate office. Mail payments take 7 to 10 business days to post, so send your check at least 10 days before your due date to avoid a late payment.

Paying in person at Old Navy stores

You can walk into any Old Navy store and pay your credit card bill in cash or with a debit card. Tell a cashier you want to make a credit card payment and provide your card number. The store will process the payment and give you a receipt. This method is useful if you prefer to pay with cash or need to pay immediately.

However, in-store payments do not post to Barclays right away. The store sends the payment to Barclays, which then processes it like a mail payment—taking several business days. Do not rely on in-store payments if your due date is within a few days. For urgent payments close to your due date, pay online instead.

Setting up automatic payments

Log into your Barclays account and select "Manage Automatic Payments" or "Autopay." Choose your Old Navy card, decide whether you want to pay the full balance or the minimum payment each month, and select the date the payment should process. Most people choose a date a few days after their paycheck arrives.

Automatic payments are free and eliminate the risk of forgetting a due date. You can change or cancel automatic payments anytime through your account. If your balance changes unexpectedly, you can still make an additional payment online or by phone without affecting your automatic payment schedule.

What happens if you miss a payment

If your payment doesn't arrive by the due date shown on your statement, Barclays charges a late fee. The fee amount depends on your card terms, typically $25 to $40 for the first late payment. Your interest rate may also increase if you have a promotional rate.

After 30 days past the due date, the late payment reports to the three major credit bureaus (Equifax, Experian, and TransUnion) and stays on your credit report for seven years. This can lower your credit score and make it harder to borrow money in the future. If you miss a payment, contact Barclays as soon as possible to bring your account current and ask about late fee waivers.

Frequently Asked Questions

How do I know if my payment went through?

Log into your Barclays account and check your transaction history. Online payments show as pending immediately and post within one business day. You can also call 1-866-408-4156 to confirm a payment was received. Barclays will also send you a confirmation email if you set up online payments.

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

Yes, you can pay with cash, debit card, or another credit card at the register. However, in-store payments take several days to post to Barclays, so they are not the fastest option. If your due date is soon, pay online instead.

What if I pay more than I owe?

Barclays will credit the overpayment to your account. You can use the credit toward future purchases, or contact Barclays to request a refund check. Overpayments do not hurt your credit and can actually help by lowering your credit utilization ratio.

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

No. Barclays does not charge a fee for online, phone, or mail payments. In-store payments are also free. Some payment methods (like wire transfers through your bank) may have fees charged by your bank, not by Barclays.

What if I can't pay the full balance?

You can pay any amount, as long as it is at least the minimum payment shown on your statement. Paying only the minimum means you'll pay interest on the remaining balance, but it keeps your account in good standing and avoids a late fee.