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. You have three main ways to pay: online through your Synchrony account, by phone, or by mail. The online method is fastest and shows up in your account within one business day. Phone payments process the same day if you call before the payment deadline.

To pay online, log into your Synchrony account at synchrony.com or through the Old Navy app if you have it linked there. You'll enter the amount, choose your payment date, and confirm. If you prefer to call, the customer service number is on the back of your card. For mail payments, send a check or money order to the address printed on your statement—never send cash through the mail.

Key Takeaways

  • Old Navy credit card payments are processed by Synchrony Bank, and you can pay online, by phone, or by mail using the information on your statement or card.
  • Online and phone payments post within one business day, while mailed checks typically take 7 to 10 business days to arrive and process.
  • Your payment due date appears on your monthly statement, and paying at least the minimum by that date keeps your account in good standing.
  • Setting up automatic payments through your Synchrony account prevents missed payments and late fees.

Online payment through Synchrony

The fastest way to pay is through your Synchrony account online. Go to synchrony.com and sign 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 enter the amount you want to pay.

You can schedule the payment for today or pick a future date, which is useful if you want to time it with your paycheck. Synchrony will show you the exact date the payment will post to your account. Most payments show up within one business day. Keep in mind that if you schedule a payment for a weekend or holiday, it will process on the next business day.

Phone payments and automated systems

Call the number on the back of your Old Navy credit card to speak with a representative or use Synchrony's automated phone system. If you use the automated system, you'll need your card number and the amount you want to pay. The system will confirm the payment date and give you a confirmation number—write this down in case you need to reference it later.

Phone payments typically post the same day if you call before 8 p.m. Eastern Time. If you call after that time or on a weekend, the payment will process on the next business day. Speaking with a representative takes longer than the automated system but allows you to ask questions about your account or payment options.

Mailed check payments

If you prefer to pay by check or money order, write it out to Synchrony Bank and include your account number on the check. The mailing address is printed on your monthly statement in the payment section. Mail your payment at least 10 business days before your due date to account for postal delays and processing time.

Checks typically take 7 to 10 business days to arrive and another few days to process once received. This method is slower than online or phone payments, so plan ahead if you're close to your due date. Never send cash through the mail, as it cannot be tracked and you'll have no proof of payment if it's lost.

Setting up automatic payments

Automatic payments remove the risk of forgetting your due date. Log into your Synchrony account, go to the payment settings, and choose "Set Up Automatic Payments." You can select the amount (minimum payment, statement balance, or a fixed amount you choose) and the date each month when the payment should process. Most people set it for a few days after payday to ensure funds are available.

You can change or cancel automatic payments anytime through your account. If you set up automatic payments for your minimum payment, remember that you'll still carry a balance and pay interest on it. To avoid interest charges, set your automatic payment to cover your full statement balance each month.

Understanding your due date and late fees

Your payment due date appears on your monthly statement and is typically 21 to 25 days after your statement closes. If your payment doesn't arrive by that date, Synchrony charges a late fee—the amount depends on your credit limit but typically ranges from $25 to $40 for the first late payment. A second late payment in the same billing cycle may result in a higher fee.

Late payments also trigger a higher interest rate on your balance, sometimes called a penalty APR. This rate can stay in effect for six months or until you make several on-time payments in a row. Paying even one day late can have these consequences, so building in a buffer by paying a few days early is worth the effort.

What to do if you can't pay on time

If you know you won't be able to pay by your due date, contact Synchrony before the deadline. Call the number on your card and explain your situation. While they cannot waive the late fee, they may be able to work with you on a payment plan or temporarily adjust your due date. Some representatives can also remove a single late fee if you have a good payment history and this is your first miss.

If you've already missed a payment, call as soon as possible to bring your account current. The sooner you pay, the less damage to your credit score. Accounts that are 30 days or more past due are reported to credit bureaus and can significantly lower your score.

Frequently Asked Questions

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

Online payments typically post within one business day. If you pay on a Friday afternoon, it may not show until Monday. Synchrony will give you a confirmation number and expected posting date when you submit the payment, so you'll know exactly when to expect it.

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

No, you cannot pay at Old Navy stores. Payments must go through Synchrony Bank using the methods listed on your statement or card. Old Navy store associates cannot process credit card payments.

What happens if I pay more than my minimum payment?

Any amount you pay above the minimum goes toward your balance and reduces the interest you owe. If you pay your full statement balance, you won't be charged interest on purchases made during that billing cycle. Paying extra is always beneficial and costs you nothing.

Can I change my due date?

Yes, you can request a due date change by calling Synchrony. They typically allow you to move your due date by a few days to align with your pay schedule. This change usually takes effect on your next statement.

Is there a fee for paying online or by phone?

No, Synchrony does not charge a fee for online or phone payments. Both methods are free. Mailed payments are also free, though they take longer to process.