Where to send your Old Navy credit card payment
Old Navy credit card payments go to Synchrony Bank, which manages the card on Old Navy's behalf. You have four main ways to pay: online through your Synchrony account, by phone, by mail, or in person at an Old Navy store. The fastest and most direct route is online, where you can see your balance when ready and schedule payments in advance.
If you pay online, log into your Synchrony account at mysynchrony.com or through the Old Navy mobile app. If you pay by phone, call the number on the back of your card — it connects you to Synchrony's payment line, where you can make a one-time payment using your bank account or debit card. Mail payments should go to the address printed on your statement. In-store payments at Old Navy locations are also accepted, though staff will direct you to a kiosk or provide instructions specific to your location.
Key Takeaways
- Synchrony Bank processes Old Navy credit card payments, and you can pay online at mysynchrony.com, by phone using the number on your card, or by mail to the address on your statement.
- Online payments typically post within one business day, while mail payments take five to seven business days, so send them early if your due date is approaching.
- You can set up automatic payments through your Synchrony account to avoid missing a due date, and you can choose to pay the full balance or a minimum amount.
- Late fees and interest charges begin if your payment arrives after the due date shown on your statement, so confirm the exact date before you pay.
Paying online through Synchrony
Online payment is the most straightforward method because you see your current balance and can pay when ready. Go to mysynchrony.com and sign in with your username and password. If you do not have an online account yet, you can create one by entering your card number and other identifying information. Once logged in, select "Make a Payment" and choose whether you want to pay your full balance, the minimum payment, or a custom amount.
Enter your payment method — either a bank account (which takes one business day to post) or a debit card (which posts the same day). Review the amount and due date, then confirm. Synchrony will send you a confirmation number when ready. Keep this number for your records. If you want to avoid logging in each month, you can also set up automatic payments from the same screen, choosing whether to pay on a fixed date each month or on your statement due date.
Paying by phone or mail
Phone payments work the same way as online payments but require speaking to a representative. Call the customer service number on the back of your Old Navy credit card. Have your card number and bank account or debit card information ready. The representative will confirm your payment amount, method, and posting date before processing. Phone payments typically post within one to two business days.
If you prefer to mail a check, write the check to Synchrony Bank and include your account number on the memo line. Mail it to the address listed on your statement — this address changes depending on which payment processing center handles your account, so always use the one printed on your bill. Mail payments take five to seven business days to arrive and post, so send them at least a week before your due date. Never send cash through the mail.
Understanding your due date and late fees
Your due date appears on every statement and is typically 21 to 25 days after your statement closes. Payments must arrive by 5 p.m. Eastern Time on that date to avoid a late fee. If you pay online or by phone, the payment posts the same day or next business day. If you mail a check, it must be postmarked several days before the due date to arrive on time.
A late payment triggers a late fee (the amount varies but is typically $25 to $35 for the first late payment) and may increase your interest rate. Your account may also be reported to credit bureaus, which can lower your credit score. If you miss a payment, contact Synchrony as soon as possible — some late fees can be waived if you call before the next billing cycle closes, especially if it is your first late payment.
Setting up automatic payments to avoid missed important date
Automatic payments remove the risk of forgetting a due date. Log into mysynchrony.com, go to "Manage Automatic Payments," and choose your payment frequency and amount. You can set it to pay your full balance, your minimum payment, or a fixed dollar amount each month. You can also choose the date the payment should process — either a specific day of the month or your statement due date.
Once automatic payments are active, Synchrony will withdraw the amount from your bank account on the date you selected. You can change or cancel automatic payments anytime through your online account. If your balance varies significantly month to month, paying a fixed amount may leave a remaining balance, so review your statement each month to confirm the automatic payment covered what you intended.
What to do if you cannot pay by the due date
If you know you cannot pay by your due date, contact Synchrony before the date arrives. Call the number on your card and explain your situation. Synchrony cannot erase a late fee or waive interest, but representatives can sometimes note your account if you are working toward a solution. Some cardholders negotiate a payment plan or request a temporary hardship arrangement, though approval depends on your account history and reason for the request.
If you have already missed a payment, call when ready. Paying as soon as possible limits additional fees and damage to your credit. Synchrony may offer a one-time courtesy waiver of the late fee if you have a clean payment history and this is your first miss. After 30 days past due, the account may be reported to credit bureaus; after 60 days, your interest rate may increase further; and after 120 days, the account may be charged off and referred to a collection agency.
Frequently Asked Questions
Can I pay my Old Navy credit card at the store?
Yes, Old Navy locations accept credit card payments at customer service desks or kiosks. Bring your card or account number and a debit card or bank account information to process the payment. In-store payments post within one to two business days, so they are not instantaneous. This method is useful if you are already shopping, but online or phone payment is faster if you are paying from home.
What happens if I pay more than my balance?
If you overpay, Synchrony holds the extra amount as a credit on your account. You can use this credit toward future purchases, or you can request a refund by calling customer service. Refunds typically take five to seven business days to appear in your bank account. Overpaying does not hurt your credit, but it does not help it either — only on-time payments to your due date improve your credit score.
How do I know if my payment went through?
Log into mysynchrony.com and check your account balance and recent transactions. Online and phone payments show a confirmation number when ready after processing. Mail payments take longer to appear in your account, so check back after five to seven business days. If a payment does not show up within the expected timeframe, call Synchrony to confirm it was received.
Can I pay with a credit card instead of a bank account?
Synchrony does not accept credit card payments for the Old Navy card itself — this prevents people from running up debt by paying one card with another. You can pay with a debit card or by transferring money from your bank account. Some third-party payment services claim to accept credit card payments, but they charge fees and are not affiliated with Synchrony or Old Navy.
What if I want to close my Old Navy credit card account?
You can close the account anytime by calling Synchrony, but you must pay off any remaining balance first. After you close the account, you can no longer use the card for purchases, but you still owe any balance due. Continue making payments on the same schedule until the balance reaches zero. Closing an account does not erase late payments or negative history already reported to credit bureaus.