Where to pay your Old Navy credit card

You can pay your Old Navy credit card through three main routes: online at the Synchrony Bank website (which issues the card), by phone, or by mail. The online method is fastest and shows your payment post immediately. Phone and mail payments take longer to process and may not show on your account for several business days.

Old Navy credit cards are issued by Synchrony Bank, not by Old Navy itself. This means you pay Synchrony, not Old Navy. If you try to pay through Old Navy's website or a store, the payment will not reach your credit card account. You must go directly to Synchrony or use one of the payment methods Synchrony accepts.

Key Takeaways

  • Old Navy credit cards are issued by Synchrony Bank, so you pay Synchrony directly, not Old Navy or any other company.
  • Online payment through Synchrony's website is the fastest method and shows your payment immediately after submission.
  • Phone payments and mail payments take several business days to post, so plan ahead if your due date is soon.
  • You will need your account number and routing information ready before you pay by phone or mail.
  • Setting up automatic payments through Synchrony prevents missed due dates and late fees.

Paying online through Synchrony

Go to Synchrony Bank's payment website at mysynchrony.com. Log in with your username and password. If you do not have an online account yet, you will need to create one using your credit card number and other identifying information. Once logged in, select "Make a Payment" and enter the amount you want to pay.

You can pay from a checking or savings account using your bank's routing number and account number. Synchrony also accepts payments from another credit card, though this typically costs a fee. Choose your payment method, confirm the amount and date, and submit. The payment posts to your account immediately, though it may take one to two business days for the money to leave your bank account.

Paying by phone

Call Synchrony's customer service line at the number on the back of your Old Navy credit card. Have your account number and the bank account or card you want to pay from ready before you call. A representative will walk you through the payment process and confirm the amount and date.

Phone payments typically take three to five business days to post to your account. If your due date is within a few days, paying by phone may not stop a late fee from being charged. Ask the representative when the payment will post and whether paying now will prevent late fees if your due date is very soon.

Paying by mail

Write a check or money order payable to Synchrony Bank. Include your account number on the check. Mail it to the address listed on your credit card statement or on the Synchrony website. Do not send cash through the mail.

Mail payments take seven to ten business days to arrive and post. If you are close to your due date, mailing a check is the slowest option and may result in a late fee even if you send it before the due date. Use mail only if you have time to spare or do not have online or phone access.

Setting up automatic payments

Automatic payments prevent missed due dates and late fees. Log into your Synchrony account online, go to "Manage Automatic Payments," and choose how much you want to pay each month. You can set it to pay the full balance, the minimum payment, or a fixed amount you choose. Select the date each month when the payment should come out of your bank account.

Synchrony will pull the payment automatically on that date each month. You can change or cancel automatic payments anytime through your online account. If your balance changes or you want to make an extra payment in a given month, you can still make a one-time payment in addition to the automatic one.

What to do if you miss a payment

If your payment is late, a late fee will be added to your balance. The fee amount depends on your card terms, but typically ranges from $25 to $40 for the first late payment. Late payments also damage your credit score and may trigger a higher interest rate on future purchases.

If you miss a payment, pay as soon as you can. Contact Synchrony to ask whether the late fee can be waived, especially if this is your first late payment. Some representatives will remove the fee as a one-time courtesy. Paying immediately after missing a due date limits the damage to your credit report.

Understanding your due date and grace period

Your due date is listed on your monthly statement and in your online account. Synchrony typically gives you 21 to 25 days from the end of your billing cycle to pay before the payment is considered late. If you pay only the minimum by the due date, you will not be charged a late fee, but you will owe interest on the remaining balance.

There is no grace period on interest charges if you carry a balance from month to month. Interest starts accruing on new purchases immediately unless you pay the full balance by the due date. Paying more than the minimum reduces the interest you owe over time.

Frequently Asked Questions

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

No. Old Navy stores do not process credit card payments. You must pay through Synchrony Bank directly, either online, by phone, or by mail. Attempting to pay at a store will not reach your credit card account and will not count as a payment.

How long does it take for an online payment to show up?

Online payments show on your account immediately after you submit them. However, it takes one to two business days for the money to actually leave your bank account. Your due date is based on when Synchrony receives the payment, not when it posts to your account.

What happens if I pay late?

A late fee (typically $25 to $40) is added to your balance, your interest rate may increase, and the late payment is reported to credit bureaus and damages your credit score. Paying as soon as you realize you are late limits the damage. Contact Synchrony to ask if the fee can be waived.

Can I set up automatic payments for a specific amount each month?

Yes. When you set up automatic payments through your Synchrony account, you can choose to pay the full balance, the minimum payment, or any fixed amount you decide. You can change the amount or cancel automatic payments anytime through your online account.

What if I do not have online access or a bank account?

You can pay by phone using a credit card or debit card, or by mail with a check or money order. Phone payments take three to five business days to post, and mail payments take seven to ten days. Plan ahead so your payment reaches Synchrony before your due date.