Where to send your Old Navy credit card payment
Old Navy credit card payments go to Synchrony Bank, which manages the card on behalf of Old Navy. You can pay online through your Synchrony account, by phone, by mail, or in person at an Old Navy store. The fastest and most reliable method is online through the Synchrony website or mobile app, where your payment posts the same day if submitted before the cutoff time (usually 8 p.m. Eastern).
To pay online, log into your account at Synchrony.com or use the Synchrony mobile app. You'll need your card number and online login credentials. If you haven't set up an online account yet, you can create one using your card number and Social Security number. The site will walk you through the process and let you set up a one-time payment or recurring automatic payments.
If you prefer to pay by phone, call the number on the back of your Old Navy credit card. A representative can process your payment over the phone using your bank account or debit card. Payments made by phone typically post within one to two business days.
Key Takeaways
- Online payment through Synchrony.com or the Synchrony app is the fastest method and posts the same day if submitted before the evening cutoff.
- You can also pay by phone using the number on your card, by mail to the address on your statement, or in person at an Old Navy store.
- 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 Synchrony prevents missed payments and late fees, though you should still review your statements monthly.
Payment due dates and how they work
Your payment due date is printed on your monthly statement and typically falls 21 to 25 days after your statement closing date. Synchrony considers a payment on time if it arrives by 5 p.m. Eastern on the due date. If your due date falls on a weekend or holiday, Synchrony extends the deadline to the next business day.
You are required to pay at least the minimum amount shown on your statement to keep your account current. The minimum is usually a small percentage of your balance plus any interest and fees. Paying only the minimum means you'll carry a balance and pay interest charges on the remaining amount. Paying your full statement balance by the due date avoids interest entirely.
If you miss your due date, Synchrony charges a late fee (typically $25 to $40 for the first late payment, higher for subsequent ones) and may increase your interest rate. A payment is considered late if it arrives after 5 p.m. Eastern on the due date, so mailing a check close to the deadline is risky.
Setting up automatic payments
Automatic payments through Synchrony remove the risk of forgetting your due date. Log into your Synchrony account, go to the payments section, and select "Set up automatic payments." You'll choose the amount (minimum payment, full balance, or a custom amount), the frequency (monthly, bi-weekly, or weekly), and the date the payment should be withdrawn from your bank account.
Most people set automatic payments for the full statement balance on a date a few days before the due date. This ensures the payment clears in time and you never carry interest. If your balance varies month to month, you can set the automatic payment to cover your full balance, and Synchrony will deduct whatever you owe that month.
You can change or cancel automatic payments anytime through your online account. If you need to stop a payment before it processes, contact Synchrony at least three business days before the scheduled withdrawal date.
Paying by mail or in person
To pay by mail, write a check or money order payable to Synchrony Bank and include your account number on the check. The mailing address is on your monthly statement. Mail payments typically take five to seven business days to reach Synchrony and post to your account, so send your payment at least a week before your due date to avoid late fees.
You can also pay in person at any Old Navy store. Bring your credit card or account number and the amount you want to pay. In-store payments are processed by Synchrony and usually post within one to two business days. This option is useful if you're already shopping at Old Navy or prefer to pay with cash.
What happens if you miss a payment
If your payment doesn't arrive by the due date, Synchrony reports the late payment to credit bureaus after 30 days. A single late payment can lower your credit score by 50 to 100 points depending on your credit history. The longer you go without paying, the worse the damage: 60-day lates are more serious than 30-day lates, and accounts sent to collections can affect your score for years.
Late fees start immediately. Your first late payment typically costs $25 to $40, and subsequent late payments in the same billing cycle may cost more. Synchrony may also increase your interest rate if you're late, sometimes to a penalty rate of 29.99% or higher. This makes your balance grow faster and harder to pay down.
If you miss a payment, contact Synchrony as soon as you realize it. Explain your situation and ask whether they can waive the late fee or work out a payment plan. Many creditors will remove a single late fee if you've been a good customer and catch up quickly. The sooner you pay, the less damage to your credit score.
Payment methods comparison
| Payment Method | How Long It Takes to Post | Best For |
|---|---|---|
| Online (Synchrony.com or app) | Same day if before 8 p.m. ET | Quick payments, last-minute due dates |
| Phone | 1–2 business days | People who prefer talking to a representative |
| 5–7 business days | People who prefer checks, but plan ahead | |
| In-store at Old Navy | 1–2 business days | Cash payments, shopping trips |
| Automatic payment | Scheduled date | Preventing missed payments, consistent amounts |
Frequently Asked Questions
Can I pay my Old Navy credit card with a debit card?
Yes. When you pay online or by phone, you can use a debit card instead of a bank account transfer. Synchrony accepts Visa, Mastercard, Discover, and American Express debit cards. In-store payments at Old Navy accept cash, debit cards, and other Old Navy credit cards, but not outside credit cards.
What time does my payment need to arrive to be on time?
Online payments posted before 8 p.m. Eastern on the due date are considered on time. Phone and in-person payments must be completed by 5 p.m. Eastern. Mail payments must be postmarked by the due date, though Synchrony typically allows a few extra days for delivery. To be safe, mail payments at least a week early.
Can I pay more than the minimum to pay off my balance faster?
Yes. You can pay any amount above the minimum, and there are no penalties for paying early or paying more than you owe. Paying extra reduces your balance and the interest you'll pay. Many people pay their full statement balance each month to avoid interest charges entirely.
What if I can't pay by my due date?
Contact Synchrony before your due date and explain your situation. They may be willing to extend your due date, set up a payment plan, or waive a late fee if you've been a good customer. Calling ahead is much better than missing the payment, because it shows you're taking the debt seriously and may prevent damage to your credit score.
Does paying online cost extra?
No. Synchrony does not charge a fee for online payments. Phone payments are also free. Mail and in-person payments are free as well. The only costs are late fees if you miss your due date, and interest if you carry a balance past your statement closing date.