Where your Old Navy credit card payment goes
Old Navy's credit card is issued by Barclays Bank Delaware, so when you make a payment, you send the money to Barclays, not to Old Navy itself. Barclays holds the account, sets the interest rate, and decides whether to approve a higher credit limit. Old Navy handles the shopping experience and the rewards program, but the credit side — the account balance, the payment due date, the late fees — all belongs to Barclays.
This matters because it changes where you send your payment and which company's website or phone number you use to check your balance. If you try to pay through Old Navy's website, you'll be redirected to Barclays. Understanding this split helps you avoid confusion when you're looking for your account online or need to dispute a charge.
Key Takeaways
- Old Navy credit card payments go to Barclays Bank Delaware, the company that issued the card, not to Old Navy.
- You can pay online through Barclays' website, by phone at the number on the back of your card, or by mail to the address listed on your statement.
- Payments typically post within one to two business days when you pay online, but mailed checks can take five to seven business days to arrive and process.
- Your payment due date, minimum payment amount, and current balance are all managed by Barclays and appear on your monthly statement.
- Late payments are reported to Barclays' credit reporting partners, which affects your credit score, not Old Navy's internal records.
Paying online through Barclays
The fastest way to pay is through Barclays' online portal. Go to Barclays.com and look for the credit card login section, or search for "Old Navy credit card login Barclays" to find the direct link. You'll enter your card number or the email address associated with your account, then your password. If you don't have an online account yet, you can create one using your card number and the last four digits of your Social Security number.
Once you're logged in, you'll see your current balance, your minimum payment due, and your payment due date. You can pay the full balance, the minimum, or any amount in between. Barclays will ask you to choose a payment method — usually a bank account (checking or savings) or a debit card. If you use a bank account, you'll provide your routing number and account number. Payments made before 8 p.m. Eastern Time typically post the same business day; payments made after that usually post the next business day.
Barclays also offers automatic payments through the online portal. You can set up a recurring payment for the same day each month, or you can schedule a one-time payment for a specific date. This is useful if you want to make sure you never miss a due date, though you should still check your statement each month to confirm the payment posted.
Paying by phone or mail
If you prefer not to pay online, the phone number for Old Navy credit card payments is on the back of your card. Call that number and follow the prompts to speak with a representative or use the automated system. You'll need your card number and a bank account or debit card ready. Phone payments typically post the same business day if you call before the cutoff time, which is usually 8 p.m. Eastern Time.
You can also mail a check to the address listed on your monthly statement under "Payment Address" or "Make Checks Payable To." Write your card number on the check so Barclays knows which account to credit. Mailed payments take five to seven business days to arrive, and Barclays may take another one to two business days to process it after it arrives. If your payment due date is coming up, mail is the slowest option and carries the risk that your check will arrive late.
Never send cash through the mail. If you're paying by check, include only the check — no cash, no coins. If you're paying by money order, follow the same rule: money order only, nothing else in the envelope.
Understanding your payment due date and grace period
Your payment due date appears on your monthly statement and is usually the same day each month. Barclays considers a payment on time if it posts by 5 p.m. Eastern Time on the due date. If you pay online, this usually means you need to submit the payment by 8 p.m. Eastern Time to be safe. If you mail a check, you need to send it several days early to account for mail delivery time.
Old Navy credit card accounts have a grace period for purchases, which means you won't pay interest on new purchases if you pay your full statement balance by the due date. However, this grace period does not explore to cash advances or balance transfers — those start accruing interest when ready. If you carry a balance from month to month, interest starts on the day the purchase posts, regardless of when you pay.
If your payment is late — even by one day — Barclays will charge a late fee and may increase your interest rate. A late payment also gets reported to the credit bureaus and will lower your credit score. If you're going to miss a due date, call Barclays before the date arrives to discuss your options; some customers can negotiate a one-time waiver or a payment plan.
What happens if you overpay or underpay
If you send more than your balance, Barclays will hold the extra money as a credit on your account. You can use this credit toward future purchases, or you can request a refund. To request a refund, log into your Barclays account online or call the number on the back of your card. Refunds typically take five to seven business days to appear in your bank account.
If you send less than your minimum payment, your account will be considered late. Even if you send $1 less than the minimum, Barclays will report it as a missed payment. Your minimum payment is listed on your statement and is usually 1 to 3 percent of your total balance, depending on your interest rate and how much you owe.
Tracking your payment and checking your balance
After you make a payment, you can check its status through your Barclays online account. Log in and look for a "Payment Status" or "Recent Payments" section. Online payments usually show as "posted" within one to two business days. Mailed checks may take longer to appear in your account history.
Your monthly statement will also show all payments received during the billing period. If you don't see your payment reflected within the timeframe you expect, contact Barclays to confirm it was received. Keep a record of your payment confirmation number (if you paid online) or a photo of your cancelled check (if you mailed one) in case you need to prove you paid.
Frequently Asked Questions
Can I pay my Old Navy credit card through the Old Navy website?
No, Old Navy's website does not process credit card payments directly. If you try to pay through Old Navy, you'll be redirected to Barclays' payment portal. You must go to Barclays.com or call the number on the back of your card to make a payment.
What's the difference between my statement balance and my current balance?
Your statement balance is what you owed on the date your billing cycle ended — usually the amount shown as "Amount Due" on your statement. Your current balance includes any new purchases or payments you've made since the statement closed. When you log into Barclays online, you'll see both numbers so you know exactly what you owe right now.
If I pay online, how do I know the payment went through?
Barclays will show you a confirmation number when ready after you submit the payment. Write this number down or take a screenshot. You can also log back into your account a few minutes later to see the payment listed under "Recent Payments" or "Payment History." If the payment doesn't appear within 24 hours, contact Barclays to confirm it was processed.
What happens if I miss a payment?
Barclays will charge a late fee (the amount varies based on your account terms) and may increase your interest rate. The missed payment will be reported to credit bureaus and will lower your credit score. If you're more than 30 days late, Barclays may freeze your account and stop allowing new purchases until you bring the account current.
Can I set up automatic payments so I never miss a due date?
Yes, Barclays allows automatic payments through their online portal. You can choose to pay your full balance, your minimum payment, or a fixed amount each month on a date you select. Set it up for a few days before your due date to give yourself a buffer in case of any delays.