Where your Old Navy credit card payment goes
When you make a payment on your Old Navy credit card, the money goes to Synchrony Bank, which issues and manages the card on Old Navy's behalf. Synchrony holds your account, tracks your balance, and processes all payments. Old Navy itself does not collect the payments — you are paying the bank that extended the credit to you.
Your payment reduces the balance Synchrony reports to the credit bureaus and stops interest from accruing on the amount you paid. If you pay the full statement balance by the due date, you avoid interest charges entirely. If you pay less than the full balance, interest begins accruing on the remaining amount the next day.
Key Takeaways
- Old Navy credit card payments go to Synchrony Bank, not to Old Navy, because Synchrony is the card issuer.
- You can pay online through your Synchrony account, by phone, by mail, or in an Old Navy store using cash or debit.
- The due date appears on your statement, and paying by that date stops interest from building on the amount you paid.
- Payments typically post within one to three business days, though the exact timing depends on your payment method.
- Setting up automatic payments prevents missed due dates and ensures your minimum payment posts on time each month.
Paying online through your Synchrony account
The fastest way to pay is through the Synchrony website or mobile app. Go to Synchrony.com, select "Old Navy" as your card, and log in with your username and password. If you have not created an online account yet, you can set one up using your card number and Social Security number.
Once logged in, select "Make a Payment" and choose how much to pay — you can pay the full statement balance, the minimum payment, or any amount in between. Enter your payment method (bank account or debit card), review the details, and confirm. Synchrony will show you the expected posting date, which is usually one to two business days after you submit.
Paying through the app works the same way and is often faster than calling. You can also set up a one-time payment or recurring automatic payments from this screen, which is useful if you want the same amount to post on the same day each month.
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 the amount you want to pay and your bank account or debit card information. Phone payments typically post within one to three business days. Have your statement handy so you know your current balance and due date.
To pay by mail, send a check or money order to the address listed on your statement under "Payment Address." Write your account number on the check. Mail payments take longer to post — usually five to seven business days from when Synchrony receives the envelope — so send your payment at least a week before your due date to avoid a late payment.
Paying in an Old Navy store
You can walk into any Old Navy location and pay your credit card bill in cash or with a debit card at the register. Tell the cashier you want to make a credit card payment and provide your card number. The store will print a receipt showing the amount paid and the date.
In-store payments post to your Synchrony account within one to two business days. This method works well if you prefer to pay in person or do not have online access, but it does not give you a written confirmation from Synchrony itself — only the store receipt. Keep the receipt until you see the payment post to your online account.
Understanding posting dates and due dates
Your statement due date is the last day to pay without triggering a late fee. This date appears on your monthly statement and in your online account. The due date is typically 21 to 25 days after your statement closing date, which varies depending on when your account was opened.
A payment "posts" when Synchrony records it in your account and it shows up online. Posting dates depend on your payment method: online payments usually post in one to two business days, phone payments in one to three business days, mail payments in five to seven business days, and in-store payments in one to two business days. Weekends and holidays do not count as business days, so a payment submitted on Friday may not post until Tuesday.
To avoid a late fee, make sure your payment posts by the due date, not just that you submit it by the due date. If you are cutting it close, pay online or by phone rather than by mail.
Setting up automatic payments
Automatic payments remove the risk of forgetting your due date. Log into your Synchrony account, go to "Manage Automatic Payments," and choose the amount (minimum payment, full statement balance, or a fixed dollar amount) and the day of the month you want it to post.
Synchrony will deduct the payment from your bank account on that day each month. If your due date changes or you want to skip a month, you can modify or pause the automatic payment anytime through your account. Many people set automatic payments for the full statement balance, which means they never carry a balance and never pay interest.
What happens if you miss a payment
If your payment does not post by the due date, Synchrony will charge a late fee — typically $25 to $35 depending on your account history. A late payment also appears on your credit report and can lower your credit score. If you miss a payment, pay as soon as you realize it; the sooner you pay, the less interest accrues on the unpaid balance.
If you are having trouble making a payment, contact Synchrony before your due date. Representatives can sometimes work with you on a payment plan or temporary adjustment, but only if you reach out before the payment is late. Waiting until after the due date passes limits your options.
Frequently Asked Questions
How long does it take for an online payment to show up in my account?
Online payments typically post within one to two business days. Synchrony will show you the expected posting date when you submit the payment. If it has been more than two business days and the payment has not posted, log into your account or call customer service to confirm it was received.
Can I pay my Old Navy credit card at an Old Navy store with a credit card?
No. In-store payments must be made with cash or a debit card. You cannot use another credit card to pay your Old Navy card balance at the register. Online, phone, and mail payments accept bank account transfers or debit cards.
What is the difference between my statement balance and my current balance?
Your statement balance is what you owed on the day your statement closed — usually the amount shown on your paper or email statement. Your current balance includes any new charges or payments made after the statement closed. Pay at least the statement balance by the due date to avoid interest on that amount.
If I pay more than the minimum, does the extra go toward my next month's bill?
Yes. Any amount you pay above the minimum reduces your balance when ready. If you pay $200 and your minimum is $50, the extra $150 lowers what you owe and reduces the interest that accrues next month. Paying more than the minimum is always better for your credit and your wallet.
Can I set up automatic payments for different amounts each month?
No. Automatic payments are set to a fixed amount or a fixed option (like "full statement balance") that repeats each month. If you want to pay different amounts, you will need to make manual payments each month or adjust your automatic payment amount before each billing cycle.