Where to pay your Old Navy credit card
You can pay your Old Navy credit card through three main routes: online through your cardholder account, by phone with a customer service representative, or by mail. The online method is fastest and available 24/7. The card is issued by Synchrony Bank, so your payment goes to Synchrony regardless of which method you choose.
To pay online, log into your account at synchrony.com or through the Old Navy mobile app if you enrolled there. You'll see your current balance, due date, and a payment option. You can set up a one-time payment or enroll in automatic payments from a bank account or debit card. Phone payments go through Synchrony's customer service line at the number on the back of your card.
Mail payments should be sent to the address printed on your statement. Include your account number and the payment amount. Mail typically takes 5 to 7 business days to arrive and be processed, so send it well before your due date to avoid a late payment.
Key Takeaways
- Online payment through synchrony.com or the Old Navy app is the fastest option and lets you pay any time without waiting for business hours.
- Phone payments are processed when ready when you call the number on your card, but you'll need your account number and routing information ready.
- Automatic payments can be set up through your online account to pay a fixed amount or your full balance on a date you choose each month.
- Mail payments take 5 to 7 business days to process, so send them at least a week before your due date to avoid late fees.
- Your minimum payment and due date appear on your monthly statement and in your online account.
Setting up automatic payments
Automatic payments remove the risk of missing a due date. Log into your Synchrony account, go to the payment settings or autopay section, and choose whether you want to pay your full statement balance or a fixed amount each month. You can select the date the payment should come out — most cardholders choose the due date or a few days before it.
You'll need to provide a bank account number and routing number, or a debit card number. Synchrony will verify the account with a small test deposit, usually within one business day. Once verified, your automatic payment will begin on the schedule you set. You can change or cancel automatic payments anytime through your account.
What happens if you miss a payment
A payment is considered late if it arrives after your due date. Synchrony will charge a late fee, typically $25 to $40 depending on your card terms, and report the late payment to credit bureaus. A single late payment can lower your credit score by 50 to 100 points or more, depending on your current score.
If you miss a payment, contact Synchrony as soon as you notice. Some cardholders can negotiate a one-time waiver of the late fee if they have a good payment history, though this is not may provide. The longer a payment remains unpaid, the more serious the consequences — after 30 days late, the account may be flagged; after 60 days, your interest rate may increase; after 180 days, the account may be charged off and sent to a collection agency.
Understanding your statement and due date
Your monthly statement shows your opening balance, all purchases and credits from the past month, your minimum payment due, your full statement balance, and your due date. The due date is typically 21 to 25 days after your statement closes. You can pay any amount between the minimum and the full balance, but paying only the minimum means you'll carry the rest forward with interest.
Your statement balance and due date also appear in your online account. If you're unsure when your statement closes or when your payment is due, check your most recent paper statement or log into your account. Synchrony sends statements by mail and makes them available online, usually within a few days of the close date.
Payment methods and timing
| Payment Method | How Long It Takes | When to Use It |
|---|---|---|
| Online (synchrony.com or app) | Same day or next business day | When you have a few days before your due date |
| Phone (number on card) | Same day | When you're close to your due date and need when ready confirmation |
| 5 to 7 business days | Only if you prefer not to pay online or by phone | |
| Automatic payment | Processes on your chosen date | When you want to avoid thinking about it each month |
Online payments typically post within one business day. If you pay on a Friday evening, the payment may not show in your account until Monday. Phone payments are confirmed when ready, but the funds still take one business day to clear. If your due date is tomorrow, phone or online payment is your only option — do not rely on mail.
Paying more than the minimum
Paying more than your minimum payment reduces the interest you pay and helps you pay off the balance faster. If your statement balance is $500 and your minimum payment is $25, paying $100 instead means you'll owe less interest next month and will be debt-free sooner.
You can pay any amount above the minimum through any payment method. There is no penalty for paying early or paying more than required. If you pay your full statement balance before the due date, you'll owe no interest on those purchases. This is true even if you carry a balance from a previous month — interest applies only to the unpaid portion.
Frequently Asked Questions
Can I pay my Old Navy credit card with a different card or payment service?
No, you cannot pay directly with another credit card through Synchrony. You can pay with a debit card, bank account, or check. Some third-party payment services may let you pay a credit card bill using points or rewards, but you would need to check whether that service works with Synchrony.
What if I pay online but my payment doesn't show up?
Online payments usually appear within one business day. If more than one business day has passed and the payment still doesn't show, log back into your account to confirm the payment was submitted — sometimes a payment can fail if your bank information changed. If it was submitted, contact Synchrony at the number on your card to verify the payment is processing.
Can I change my due date?
Synchrony allows you to request a due date change through your online account or by calling customer service. You can typically move your due date to any day of the month, which can help if your paycheck arrives on a different schedule. The change usually takes effect on your next billing cycle.
What if I can't pay my full balance?
You can pay any amount at or above your minimum payment. Paying the minimum keeps your account in good standing, but you'll owe interest on the remaining balance. If you're struggling to pay, contact Synchrony to discuss your options — some cardholders can negotiate a hardship plan that lowers payments temporarily.
Is there a fee for paying online or by phone?
No, Synchrony does not charge a fee for online or phone payments. Mail payments are also free. Automatic payments have no fee either. The only charges you'll face are late fees if a payment arrives after the due date, or interest if you carry a balance.