Where to send your Old Navy credit card payment
Old Navy issues its credit card through Synchrony Bank, so payments go to Synchrony, not to Old Navy itself. You can pay online through your Synchrony account, by phone, by mail, or in person at an Old Navy store. The fastest and most reliable method is online through the Synchrony website or mobile app, where the payment posts the same day if you submit it before the payment processing important date (usually 8 p.m. Eastern time).
If you pay by phone, call the number on the back of your card or contact Synchrony directly at 1-866-396-8254. A representative will take your payment information and confirm the amount and date. Phone payments typically post within one business day. Payments by mail should be sent to the address printed on your statement, and these take five to seven business days to reach Synchrony's processing center and post to your account.
Paying in person at an Old Navy store is an option, but it is slower than online or phone payment. Store payments are collected and sent to Synchrony's processing center, which adds several days before the payment shows on your account. Use this method only if you cannot pay online or by phone.
Key Takeaways
- Old Navy credit card payments go to Synchrony Bank, the company that issues the card, not to Old Navy directly.
- Online payment through your Synchrony account is the fastest method and posts the same day if submitted before the processing important date.
- Phone payments to Synchrony take one business day to post, while mail payments take five to seven business days.
- Your payment due date appears on your monthly statement, and paying after that date triggers a late fee and may affect your credit report.
Setting up automatic payments to avoid missed due dates
Synchrony allows you to set up automatic payments so you never miss a due date. Log into your Synchrony account online, go to the "Payments" section, and select "Set Up Autopay." You can choose to pay the full statement balance, the minimum payment, or a fixed amount each month. The payment will be withdrawn from your bank account on the date you select.
Automatic payments are especially useful if you carry a balance month to month, because you can set them to pay at least the minimum and avoid late fees. However, if you want to pay off the card completely, set your autopay to the full statement balance so you do not carry interest charges into the next month. You can change or cancel your autopay at any time through your account settings.
Understanding your statement and due date
Your Old Navy credit card statement arrives each month and shows your current balance, minimum payment due, and the due date. The due date is the last day you can pay without triggering a late fee. Payments received after 5 p.m. Eastern time on the due date are considered late, even if you submitted them online that day.
Your statement also shows your statement closing date, which is different from your due date. The closing date is when Synchrony stops adding new purchases to that month's statement and calculates your balance. Your due date is typically 21 to 25 days after the closing date. If you are unsure of your due date, check your statement or log into your Synchrony account.
What happens if you pay late
If your payment arrives after the due date, Synchrony charges a late fee. The amount depends on your account history: first-time late payers are usually charged $25, while repeat late payers may be charged up to $38. A late payment also appears on your credit report and can lower your credit score, even if you pay just one day late.
Late payments stay on your credit report for seven years, though their impact on your score decreases over time. If you miss a payment by 30 days or more, Synchrony may report the account as delinquent, which can make it harder to borrow money in the future. If you realize you will miss a due date, contact Synchrony before the date passes to discuss your options.
Paying more than the minimum to reduce interest charges
If you carry a balance on your Old Navy card, you are charged interest on that balance. The interest rate (called the APR, or annual percentage rate) varies based on your creditworthiness and current market rates, but typically ranges from 18% to 29% for this card. Paying only the minimum each month means most of your payment goes toward interest, not toward reducing what you owe.
Paying more than the minimum reduces your balance faster and saves you money on interest. For example, a $1,000 balance at 24% APR costs about $240 per year in interest if you only pay the minimum. If you pay $200 per month instead, you pay off the balance in five months and pay only about $50 in interest. Use the payment calculator on your Synchrony account to see how different payment amounts affect your payoff timeline.
Handling payments if you have a dispute or error
If you see a charge on your statement that you did not make or that was processed twice, do not withhold payment. Instead, pay the amount you believe is correct and contact Synchrony to dispute the charge. You have 60 days from the date the statement was mailed to report a billing error. Synchrony will investigate and either remove the charge or explain why it is correct.
While a dispute is being investigated, the disputed amount does not have to be paid, and Synchrony cannot report it as late. However, you must still pay any undisputed charges by the due date to avoid late fees on the rest of your balance. Keep records of all communication with Synchrony about the dispute, including the date you called, the representative's name, and what they said.
Payment options if you are having financial difficulty
If you cannot afford your full payment, contact Synchrony before your due date. Synchrony offers hardship programs that may lower your interest rate, reduce your minimum payment, or pause interest accrual for a set period. These programs are not automatic—you have to ask for them—but they can prevent late fees and damage to your credit report while you work through a difficult period.
Synchrony may also offer a payment plan that spreads your balance over several months with a fixed payment amount. The terms vary based on your account and situation, so call the number on your card to discuss what might be available to you. Having this conversation before you miss a payment is important, because it shows Synchrony you are taking the debt seriously and gives you options other than falling behind.
Frequently Asked Questions
Can I pay my Old Navy credit card at an Old Navy store?
Yes, you can make a payment at the register of any Old Navy store, but it takes longer to post than online or phone payment. Store payments are collected and sent to Synchrony's processing center, which adds several days. Use this method only if you cannot pay online or by phone and need to make a payment in person.
What time does my online payment need to be submitted to post the same day?
Online payments submitted before 8 p.m. Eastern time typically post the same day. Payments submitted after that time post the next business day. Check your Synchrony account for the exact cutoff time, as it may vary slightly.
If I set up autopay, can I still make extra payments when I want to?
Yes. Autopay does not prevent you from making additional payments whenever you choose. You can make extra payments online, by phone, or by mail without affecting your autopay schedule. Extra payments reduce your balance and save you interest.
What should I do if I cannot pay my full balance by the due date?
Contact Synchrony before your due date to discuss hardship programs or payment plans. Calling ahead shows good faith and may help you avoid late fees and credit damage. Synchrony may be able to lower your minimum payment or adjust your interest rate temporarily.
How long does a late payment stay on my credit report?
A late payment stays on your credit report for seven years from the date it was reported. However, its impact on your credit score decreases significantly after two years, especially if you make all payments on time after that point.