Where to send your Old Navy credit card payment
Old Navy credit card payments go to Synchrony Bank, the company that issues and 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 logging into your Synchrony account at synchronybank.com or through the Old Navy mobile app. You can set up a one-time payment or recurring automatic payments from a checking or savings account. Phone payments go to Synchrony's customer service line at 1-866-396-8254, where you can pay with a bank account or debit card.
If you prefer mailing a check, the payment address appears on your monthly statement. Mail payments take 7 to 10 business days to post, so send them early if your due date is approaching. In-store payments at Old Navy locations are also an option — you can pay at the register with cash, debit, or another credit card, though this method does not process as quickly as online or phone payments.
Key Takeaways
- Synchrony Bank processes all Old Navy credit card payments, and you can pay online, by phone, by mail, or in an Old Navy store.
- Online payment through synchronybank.com or the Old Navy app is the fastest method and lets you set up automatic recurring payments.
- Phone payments to 1-866-396-8254 take minutes and accept bank account or debit card payments.
- Mail payments require 7 to 10 business days to post, so plan ahead if your due date is soon.
- Your monthly statement shows the mailing address and your current balance, minimum payment, and due date.
Setting up automatic payments to avoid missed due dates
Automatic payments remove the risk of forgetting a payment and triggering a late fee. Log into your Synchrony account, go to the payment settings or autopay section, and choose the amount you want to pay each month — you can set it to the minimum payment, a fixed amount, or the full statement balance.
Select your payment date, which should be on or before your due date. Synchrony will pull the payment from your linked bank account on that date each month. You can change or cancel automatic payments anytime through your account, so if your balance drops or you want to adjust the amount, you are not locked in.
Automatic payments are especially useful if you carry a balance and want to pay the same amount each month, or if you want to ensure the minimum payment posts on time to keep your account in good standing. Just confirm your bank account information is correct before you set it up — a wrong account number will cause the payment to fail. Many cardholders set their automatic payment date a few days before the due date to give the bank time to process it.
Understanding your statement and due date
Your Old Navy credit card statement arrives monthly and shows your current balance, minimum payment due, and the due date. The due date is typically 21 to 25 days after your statement closes. Payments received by 5 p.m. Eastern Time on the due date count as on-time; anything after that is considered late and may trigger a late fee.
Your statement also breaks down your purchases, any interest charges if you are carrying a balance, and your available credit. If you have made multiple purchases in a month, the statement lists each one with its date and amount. Review this carefully to catch any unauthorized charges or billing errors.
The minimum payment is the smallest amount Synchrony will accept to keep your account current. Paying only the minimum means you will pay interest on the remaining balance, and it takes much longer to pay off what you owe. If you can afford to pay more than the minimum, doing so reduces the total interest you pay over time.
Late payments and what happens if you miss a due date
A payment is late if it arrives after 5 p.m. Eastern Time on your due date. Synchrony charges a late fee — the amount varies but typically ranges from $25 to $40 for the first late payment in a billing cycle. A second late payment in the same cycle may cost more.
Beyond the fee, a late payment also triggers interest charges on your balance if you do not already have them. Your interest rate may increase if you are late, and the late payment stays on your credit report for seven years, which can lower your credit score and make it harder to get approved for other credit in the future.
If you realize you will be late, contact Synchrony before the due date passes. Some customers have had success asking for a one-time courtesy waiver of the late fee, though Synchrony is not required to grant it. Paying as soon as you realize you are behind limits the damage, but the late fee and interest charges will still apply.
Payment methods and processing times
| Payment Method | Processing Time | When to Use It |
|---|---|---|
| Online (synchronybank.com or Old Navy app) | Same day to 1 business day | Fastest option; best for payments close to the due date |
| Phone (1-866-396-8254) | Same day | Quick payment without logging in; takes 10 to 15 minutes |
| Mail (address on statement) | 7 to 10 business days | Plan ahead; send at least two weeks before your due date |
| In-store at Old Navy | 1 to 2 business days | Convenient if you are shopping; slower than online or phone |
Online and phone payments are your fastest options and should post within one business day. If you are paying close to your due date, use online or phone to make sure the payment reaches Synchrony in time. Mail payments are the slowest and should only be used if you have at least two weeks before your due date.
In-store payments at Old Navy can be convenient if you are already shopping, but they take longer to post than online or phone methods. The payment is recorded at the register, but it may take one to two business days to show up in your Synchrony account. Do not rely on in-store payments if your due date is within a few days.
What to do if you cannot pay your full balance
If you cannot pay your full balance by the due date, pay at least the minimum payment to avoid a late fee and keep your account in good standing. The minimum is listed on your statement and is usually 1 to 3 percent of your total balance.
Paying only the minimum means you will owe interest on the remaining balance. The Old Navy credit card's interest rate (called the APR, or annual percentage rate) varies by creditworthiness but typically ranges from 18 percent to 27 percent. The longer you carry a balance, the more interest you pay.
If you are struggling with debt, contact Synchrony's customer service at 1-866-396-8254 to ask about hardship programs or payment plans. They may be able to work with you on a lower payment or reduced interest rate, though this is not may provide. Paying something on time is always better than paying nothing late.
Frequently Asked Questions
Can I pay my Old Navy credit card with another credit card?
No, Synchrony does not accept credit card payments. You can pay with a debit card, bank account, check, or cash. Paying a credit card with another credit card typically counts as a cash advance anyway, which charges higher interest and fees.
What if I pay online but the payment does not show up?
Online payments usually post within one business day. If more than one business day has passed and the payment still does not appear, log back into your Synchrony account to confirm the payment went through. If it shows as pending, wait one more day. If it shows as failed, check that your bank account information was correct and try again. Contact Synchrony at 1-866-396-8254 if you see a charge on your bank account but no credit on your card.
Do I have to pay the full statement balance, or can I pay just part of it?
You can pay any amount between the minimum payment and your full balance. Paying more than the minimum reduces your interest charges and gets you out of debt faster, but you are not required to pay it all at once.
Is there a grace period if I pay a few days late?
Synchrony charges a late fee if your payment arrives after 5 p.m. Eastern Time on your due date. There is no grace period, so even one day late triggers the fee. If you are running behind, call 1-866-396-8254 to ask about options before the due date passes.
Can I change my due date to a different day of the month?
Yes, you can request a due date change through your Synchrony account online or by calling 1-866-396-8254. Synchrony typically allows you to move your due date within a certain range, which can help you align the payment with when you get paid.