Old Navy Bill Pay Through Your Credit Card Issuer
Old Navy does not run its own bill pay system. When you carry an Old Navy credit card — issued by Synchrony Bank — you pay the bill through Synchrony's website or mobile app, not through Old Navy itself. This is the standard setup for most retail credit cards: the store handles the shopping experience, but a separate bank handles the account and payments.
You can pay your Old Navy card bill in three ways: online through Synchrony's website, through the Synchrony mobile app, or by phone. Each method connects to the same account, so the payment posts the same day regardless of which you choose. If you have set up automatic payments, your bill will be paid on the schedule you selected without you taking any action each month.
The payment important date is printed on your monthly statement and is typically 21 to 25 days after your statement closes. Paying after that date triggers a late fee and may affect your credit report. Paying before the statement closes does not reduce the balance shown on your next bill — it straightforward reduces what you owe going forward.
Key Takeaways
- Old Navy credit card payments go through Synchrony Bank, not Old Navy, using Synchrony's website, app, or phone line.
- You can set up automatic payments so your bill is paid on a date you choose each month without manual action.
- Payments made online or through the app usually post within one business day, while phone payments may take slightly longer.
- Your payment important date is listed on your statement and is typically 21 to 25 days after your statement closes.
Setting Up Online Payment Through Synchrony
Go to Synchrony's website at mysynchrony.com and sign in with your username and password. If you do not have an online account yet, you will need to create one using your card number and other identifying information from your statement. Once logged in, look for "Make a Payment" or "Pay My Bill" — the exact wording varies slightly depending on when your account was created, but it is always in the main menu.
You will see your current balance and your minimum payment due. You can pay any amount from the minimum up to your full balance. Enter the amount you want to pay and choose the payment date. Synchrony allows you to schedule a payment up to 30 days in advance, which is useful if you want to time the payment to match your paycheck. After you confirm, you will see a confirmation number — write this down or take a screenshot, as it is your proof the payment was submitted.
Payments submitted before 8 p.m. Eastern Time on a business day typically post the next business day. Payments submitted after 8 p.m. or on a weekend or holiday will post the following business day. If you are close to your due date, submit payment at least two business days early to be safe.
Using the Synchrony Mobile App
read the Synchrony mobile app from the Apple App Store or Google Play Store. Sign in with the same username and password you use on the website. The app shows your balance, recent transactions, and a "Pay Now" button on the home screen.
Tap "Pay Now" and enter the amount you want to pay. You can choose to pay when ready or schedule the payment for a future date. The app will ask you to confirm the payment method — this is typically the bank account you linked when you set up the app, though some accounts allow you to pay from a different bank account. After confirmation, the app displays a confirmation number and the expected posting date.
The mobile app works identically to the website in terms of posting times and important date. Some users find it faster because the app remembers your login and opens directly to the payment screen, but there is no speed advantage to the payment itself.
Paying by Phone
Call Synchrony's customer service line at 1-866-639-6522. Have your card number and a form of identification ready. A representative will verify your identity, pull up your account, and ask how much you want to pay. You can pay from a checking or savings account, or from another credit card (though paying a credit card with another credit card usually triggers a cash advance fee).
Phone payments take slightly longer to post than online payments — typically one to two business days instead of next business day. If you are paying close to your due date, this delay matters. Phone payments also carry a small risk of human error in the amount or account number, so confirm the details before you hang up.
Synchrony's phone line is open Monday through Friday, 8 a.m. to 10 p.m. Eastern Time, and Saturday and Sunday, 9 a.m. to 8 p.m. Eastern Time. Wait times are usually shortest on weekday mornings.
Setting Up Automatic Payments
Automatic payments remove the risk of forgetting a due date. Log into your Synchrony account online or through the app and look for "Automatic Payments," "Autopay," or "Recurring Payments" — again, the exact label depends on your account. Click to set up a new automatic payment.
You will choose the amount (minimum payment, a fixed dollar amount, or your full statement balance), the day of the month the payment should post, and the bank account it should draw from. Most people choose either the minimum payment or the full statement balance. If you choose a fixed dollar amount, make sure it is at least the minimum payment shown on your statement, or you will still be late.
Automatic payments begin on the date you specify and repeat every month. You can change or cancel them anytime through your account. If you set up autopay for your full statement balance, your account will show a zero balance after each payment posts, which is the cleanest way to manage the card if you can afford to pay it off monthly.
What Happens If You Miss a Payment
If your payment does not post by the due date shown on your statement, Synchrony charges a late fee. The amount varies but is typically $25 to $40 for the first late payment and may be higher for subsequent ones. More importantly, a payment that is 30 days late will be reported to the credit bureaus and will damage your credit score.
If you realize you have missed a payment, log into your account when ready and pay the full amount due plus any late fees. Call Synchrony if you need to discuss the late fee — representatives sometimes waive the first one if you have a good payment history and can explain the circumstances. Paying the balance does not erase the late report from your credit history, but it stops additional damage from accruing.
If you are struggling to pay, contact Synchrony before you miss a payment. The bank sometimes offers hardship programs that temporarily lower your interest rate or allow you to skip a payment without penalty. These programs are not automatic — you have to ask.
Paying More Than the Minimum
Paying more than your minimum payment reduces the interest you owe and gets you out of debt faster. If your card carries a balance, every dollar above the minimum goes directly to reducing that balance rather than just covering interest charges.
You can pay any amount up to your full balance whenever you want, as many times as you want. There is no penalty for paying early or paying multiple times per month. Some people pay their Old Navy card weekly as they shop, which keeps the balance low and makes the monthly payment smaller. Others wait until they receive a paycheck and pay a lump sum. The method does not matter — only that the payment reaches Synchrony before the due date.
If you want to pay off your balance faster, set your automatic payment to your full statement balance rather than the minimum. This ensures you never carry a balance month to month and never pay interest.
Frequently Asked Questions
Can I pay my Old Navy card at an Old Navy store?
No. Old Navy stores do not accept credit card payments. You must pay through Synchrony using the website, app, or phone. Some stores have kiosks or customer service desks, but they cannot process payments on your account.
What if I pay online but the payment does not show up?
Log back into your Synchrony account and look for the payment in your transaction history. It should appear within one business day. If more than two business days have passed and the payment is not there, call Synchrony customer service with your confirmation number. Payments submitted after 8 p.m. Eastern Time or on weekends take longer, so check the posting date you were given when you submitted the payment.
Can I set up automatic payments from a credit card instead of a bank account?
Synchrony does not allow automatic payments from another credit card. You must link a checking or savings account. If you want to pay from a credit card, you have to do it manually each month by calling or paying online.
Is there a fee to pay my bill online?
No. Synchrony does not charge a fee for online, app, or phone payments. The only time you pay a fee is if your payment is late.
What time should I pay to make sure it posts before my due date?
Submit your payment at least two business days before your due date. If you are paying online or through the app, submit before 8 p.m. Eastern Time on a business day. If you are paying by phone, call during business hours. This buffer protects you in case of unexpected delays.