Where to send your Old Navy card payment

Old Navy credit cards are issued by Synchrony Bank, so you send payments to Synchrony, not to Old Navy directly. The mailing address and payment options appear on your monthly statement, on the back of your card, and in your online account. 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 reliable method is online payment through your Synchrony account. You can set up a one-time payment or recurring automatic payments. Phone payments go through Synchrony's customer service line, which you can find on your statement. Mail payments take 7 to 10 business days to reach Synchrony's processing center, so send them early if your due date is approaching. In-store payments at Old Navy locations are processed immediately but do not show in your account until the next business day.

Key Takeaways

  • Old Navy credit cards are managed by Synchrony Bank, so you pay Synchrony, not Old Navy itself.
  • Online payment through your Synchrony account is the fastest method and lets you see the payment post within one business day.
  • Phone and mail payments are available but take longer — mail payments need 7 to 10 days to process.
  • In-store payments at Old Navy work immediately but may not show in your online account until the next day.
  • Your monthly statement, the back of your card, and your online account all list the current payment address and phone number.

Setting up online payments through Synchrony

Log into your Synchrony account at mysynchrony.com or through the Synchrony mobile app. Click "Make a Payment" or "Pay Now" — the exact wording depends on which platform you are using. You will see your current balance, minimum payment due, and due date. Enter the amount you want to pay and choose the payment date. Synchrony processes online payments submitted before 8 p.m. Eastern Time on the same business day; payments submitted after that time or on weekends process the next business day.

You can pay from a checking or savings account linked to your Synchrony profile. If you have not linked a bank account yet, you will need your routing number and account number. Synchrony does not charge a fee for online payments from a bank account. If you want to pay with a debit card or credit card instead, Synchrony charges a fee — check your account for the current amount, as it varies.

Paying by phone or mail

To pay by phone, call the number on the back of your card or on your statement. A Synchrony representative will ask for your card number, the amount you want to pay, and the payment date. Phone payments are processed the same day if you call before the cutoff time listed on your statement, usually 8 p.m. Eastern Time on business days. You do not need to set up online access to pay by phone.

For mail payments, write a check or money order payable to Synchrony Bank. Include your card number on the check. Mail it to the address shown on your statement — this address changes periodically, so always use the one from your most recent bill. Do not mail cash. Allow 7 to 10 business days for the payment to arrive and post to your account. If your due date is within two weeks, mail is too slow; use online or phone payment instead.

In-store payments at Old Navy locations

You can pay your Old Navy credit card balance at the register in any Old Navy store. Tell the cashier you want to make a credit card payment, not a purchase. Bring your card or have your account number ready. The payment is processed immediately and you receive a receipt. However, the payment may not show in your online Synchrony account until the next business day, even though it has been processed.

In-store payments are useful if you are already shopping and want to reduce your balance right away. They do not work for partial payments in some locations — ask the cashier whether you can pay less than your full balance. If you need to make a payment outside of store hours, use online or phone payment instead.

Setting up automatic payments

Automatic payments ensure you never miss a due date. Log into your Synchrony account, go to "Manage Automatic Payments" or "Autopay," and choose how much you want to pay each month. You can set it to pay your minimum payment, a fixed dollar amount, or your full statement balance. Select the day of the month when the payment should process — Synchrony recommends choosing a date before your due date to avoid late fees.

Once automatic payments are set up, Synchrony withdraws the amount from your linked bank account on the date you chose, every month. You can change or cancel automatic payments anytime through your account. If you cancel, you are responsible for making manual payments to avoid late fees. Automatic payments do not charge a fee when they come from a checking or savings account.

What to do if you cannot pay by your due date

If you know you cannot pay by your due date, contact Synchrony before the date arrives. Call the number on your statement and explain your situation. Synchrony may be able to extend your due date by a few days or work out a payment plan, though this depends on your account history and the reason for the delay. Waiting until after the due date passes makes it harder to negotiate and may result in a late fee and a mark on your credit report.

If you have already missed a payment, contact Synchrony immediately. The sooner you pay, the less damage to your credit score. A payment that is 30 days late will be reported to credit bureaus; a payment that is 60 or 90 days late causes more serious damage. Synchrony may also charge late fees, which appear on your next statement. Paying the missed amount plus any fees stops further collection action.

Understanding your statement and due dates

Your Old Navy credit card statement shows your opening balance, purchases, payments, interest charges, and closing balance. The due date is the last day to pay without a late fee. The minimum payment is the smallest amount Synchrony will accept; paying only the minimum means you carry a balance and pay interest. Your statement also lists the Annual Percentage Rate (APR), which is the yearly interest rate applied to any balance you carry.

Statements arrive 21 to 25 days before the due date, giving you time to pay. If you pay your full closing balance by the due date, you do not pay interest on purchases. If you carry a balance, interest accrues daily on the unpaid amount. Your statement shows the interest charged that month and the total interest you have paid year-to-date. Reviewing your statement before paying helps you catch errors and understand your spending.

Frequently Asked Questions

How long does it take for an online payment to show in my account?

Online payments submitted before 8 p.m. Eastern Time on a business day post within one business day. Payments submitted after 8 p.m. or on weekends post the next business day. You can see the payment status in your account immediately after submitting it, even if it has not posted yet.

Can I pay my Old Navy card at the store with a different payment method?

In-store payments are typically made with cash, debit card, or another credit card at the register. You cannot pay with a check or money order in-store. If you want to use a specific payment method, call Synchrony first to confirm what the store accepts.

What happens if I pay late?

A payment that is 30 days or more late is reported to credit bureaus and damages your credit score. Synchrony charges a late fee, usually between $25 and $40 depending on your account. Paying as soon as possible after a missed due date stops additional fees and limits the credit damage.

Can I set up automatic payments to pay only my minimum payment?

Yes. When you set up automatic payments, you can choose to pay your minimum payment each month, a fixed dollar amount, or your full statement balance. Paying only the minimum means you carry a balance and pay interest, but it ensures you never miss a due date.

Is there a fee for paying my Old Navy card online?

No fee if you pay from a linked checking or savings account. If you pay with a debit card or credit card online, Synchrony charges a fee. Check your account or statement for the current fee amount, as it varies.