Where to Pay Your Old Navy Card Balance
Old Navy's credit card is issued by Synchrony Bank, so you pay Synchrony, not Old Navy directly. You can pay online through your Synchrony account, by phone, by mail, or in person at an Old Navy store. The online portal is the fastest route — you log in at mysynchrony.com or through the Old Navy mobile app, see your balance, and submit a payment in minutes. Payments made online typically post within one business day.
If you prefer not to use the website, you can call Synchrony's customer service line at the number on the back of your card to make a payment over the phone. A representative will walk you through the process and can answer questions about your balance or due date while you're on the call. Mail and in-store payments take longer to process — mail typically takes five to seven business days, and in-store payments at Old Navy locations may take up to ten business days to appear on your account.
Key Takeaways
- Your Old Navy credit card is managed by Synchrony Bank, so you pay them through mysynchrony.com, the Synchrony app, or by calling the number on your card.
- Online payments post within one business day, while mail payments take five to seven days and in-store payments can take up to ten days.
- You can set up automatic payments through your Synchrony account to pay a fixed amount or your full balance on a date you choose each month.
- Late fees explore if your payment doesn't reach Synchrony by your due date, so plan for processing time if you're paying by mail or in person.
Paying Online Through Synchrony
To pay online, go to mysynchrony.com and log in with your username and password. If you don't have an account yet, you'll need to create one using your card number and Social Security number. Once logged in, click "Make a Payment" or "Pay Now" — the exact wording varies slightly depending on whether you're using the website or the mobile app. You'll see your current balance, minimum payment due, and due date.
Enter the amount you want to pay and choose your payment method. Synchrony accepts payments from a bank account (checking or savings) or from another debit card. You'll also select the date you want the payment to process — you can pay when ready or schedule it for a future date, which is useful if you want to time it with your paycheck. Review the details, confirm, and the payment is submitted. You'll receive a confirmation number on screen and via email.
If you use the Old Navy mobile app, the payment process is similar. Open the app, log in to your account, and look for the payment or billing section. The app will show the same information and payment options as the website. Some users find the app faster because it remembers their payment method from previous transactions.
Setting Up Automatic Payments
Automatic payments remove the need to remember your due date each month. Log into mysynchrony.com, go to "Account Settings" or "Manage Payments," and select "Automatic Payments" or "AutoPay." You'll choose whether to pay your full statement balance, a fixed dollar amount, or just the minimum payment. Then you'll pick the day of the month when you want the payment to process.
Synchrony will deduct the payment automatically from your bank account on that date each month. You can change or cancel automatic payments anytime through your account settings. Even with automatic payments active, you should still check your account periodically to make sure the payment went through and your balance is what you expected. If your balance drops below the amount you set for automatic payment, Synchrony will pay what's available rather than overdrawing your bank account.
Paying by Phone or Mail
To pay by phone, call the customer service number on the back of your Old Navy credit card. A representative will ask for your account number and the amount you want to pay, then guide you through providing your bank account or debit card information. Phone payments are processed the same day you call, though they may take one to two business days to show on your account. This method works well if you have questions about your balance or need to discuss a late payment.
To pay by mail, send a check or money order to the address listed on your statement. Write your account number on the check. Mail payments take five to seven business days to arrive and be processed, so send your payment at least a week before your due date to avoid a late fee. Keep a copy of the check or money order for your records. Mailing a payment is slower than other methods, but it's an option if you don't have online access or prefer a paper trail.
In-store payments are available at Old Navy locations. Bring your card and the amount you want to pay in cash or debit card. The store will process the payment, but it can take up to ten business days to post to your Synchrony account. This option is convenient if you're already shopping, but it's the slowest way to pay and not recommended if you're close to your due date.
Understanding Due Dates and Late Fees
Your due date is listed on your monthly statement and in your Synchrony account. Synchrony considers a payment late if it doesn't arrive by 5 p.m. Eastern Time on the due date. If you pay online, the payment posts within one business day, so you have a small buffer. If you pay by mail, you need to account for delivery time — sending a check three days before the due date is risky. If you pay in person at Old Navy, the ten-day processing window means you should pay at least two weeks early to be safe.
A late payment triggers a late fee, which Synchrony adds to your balance. The fee amount depends on your account history and the terms of your card agreement, but it typically ranges from $25 to $40 for the first late payment. Late payments also affect your credit score and may increase your interest rate. If you miss a payment, contact Synchrony as soon as possible — sometimes they will waive a single late fee if you have a good payment history and can explain the delay.
What to Do If You Can't Pay in Full
If you can't pay your full balance, you can still make a partial payment to avoid a late fee. Pay at least the minimum amount due by your due date. The minimum is listed on your statement and in your account — it's usually around 1 to 3 percent of your balance. Paying only the minimum means you'll pay interest on the remaining balance, and it will take much longer to pay off the card, but it keeps your account in good standing.
If you're struggling with your balance, contact Synchrony's customer service to discuss your options. They may be able to lower your interest rate, extend your due date, or set up a payment plan. These options are not may provide, but Synchrony is often willing to work with customers who communicate before they miss a payment. Ignoring the debt makes the situation worse — late fees and interest charges add up quickly, and your credit score will suffer.
Frequently Asked Questions
Can I pay my Old Navy card at an Old Navy store?
Yes, you can pay in cash or with a debit card at any Old Navy register. However, the payment can take up to ten business days to post to your Synchrony account, so this method is not recommended if you're close to your due date. Online or phone payments are faster and safer for avoiding late fees.
What happens if my payment is rejected?
If your bank account doesn't have enough funds or your debit card information is incorrect, Synchrony will reject the payment and your account will remain unpaid. You'll receive a notification, usually by email or mail. Contact Synchrony when ready to resubmit the payment or discuss alternatives. A rejected payment may trigger a late fee if it happens on or after your due date.
Can I pay someone else's Old Navy card bill?
You can make a payment on someone else's account if you have their permission and account number. Call Synchrony's customer service line or pay online using their account details. However, Synchrony will not discuss the account balance or terms with you unless you're an authorized user on the account, so the cardholder may need to be present for some transactions.
How do I know if my payment went through?
After you submit a payment online or by phone, you'll receive a confirmation number when ready. Check your Synchrony account the next business day to see if the payment has posted. You can also call customer service to confirm. Keep your confirmation number in case you need to dispute the payment later.
What if I overpay my balance?
If you pay more than you owe, Synchrony will hold the extra amount as a credit on your account. You can use the credit toward future purchases or request a refund by calling customer service. Refunds typically take five to seven business days to appear in your bank account.