Where to pay your Old Navy credit card bill

You can pay your Old Navy credit card through three main routes: online at the Synchrony Bank website (which issues the card), by phone, or by mail. The online method is fastest and lets you see your balance and payment history when ready. You'll need your card number and online account login to get your free guide.

If you don't have an online account yet, you can create one at Synchrony.com. Once you're logged in, you can make a one-time payment, set up automatic payments, or view your statement. The payment posts the same business day if you submit it before the cutoff time, which is usually 8 p.m. Eastern time.

By phone, you can call the customer service number on the back of your card and speak to a representative who will process your payment over the phone. By mail, send a check or money order to the address listed on your statement. Mail payments typically take 7 to 10 business days to post, so plan ahead if your due date is approaching.

Key Takeaways

  • Online payments through Synchrony.com post the same business day if submitted before 8 p.m. Eastern time, making it the fastest option.
  • Phone payments are processed when ready when you call the number on your card, and a representative can answer questions about your account.
  • Mail payments take 7 to 10 business days to reach the payment processor, so send them well before your due date to avoid late fees.
  • You can set up automatic payments online so your bill is paid on the same date each month without having to remember to pay manually.
  • Late payments trigger a fee and can raise your interest rate, so paying by the due date shown on your statement matters for your account.

Setting up automatic payments

Automatic payments remove the risk of forgetting a due date. Log into your Synchrony account, go to the payments section, and select "Set Up Auto Pay." You'll choose the amount (minimum payment, statement balance, or a fixed amount you set), the date each month when the payment should process, and your bank account for the withdrawal.

The payment will pull from your checking or savings account on the date you choose, as long as that date falls between the 1st and the 28th of the month. If you pick the 29th or later, Synchrony will process it on the last business day of the month instead. You can change or cancel automatic payments anytime through your online account.

What happens if you miss a payment

A payment is considered late if it arrives after the due date shown on your statement. Synchrony will charge a late fee—the amount depends on your account terms but typically ranges based on your credit limit. More importantly, a late payment can trigger a higher interest rate on your card, and the missed payment will appear on your credit report.

If you realize you've missed a due date, log into your account or call Synchrony when ready to pay as soon as possible. The sooner you pay, the less interest will accrue. One late payment won't permanently damage your credit, but repeated late payments make it harder to borrow money in the future at good rates.

Understanding your statement and due date

Your Old Navy credit card statement arrives each month and shows your opening balance, all purchases and payments from that month, your new balance, and your due date. The due date is always the same day each month—for example, the 15th or the 25th. You have until 5 p.m. Eastern time on that date to pay and avoid a late fee.

Your statement also lists your credit limit, current interest rate, and minimum payment. The minimum payment is the smallest amount Synchrony will accept, but paying only the minimum means the rest of your balance carries interest into the next month. If you carry a balance, paying more than the minimum reduces the total interest you'll pay over time.

Payment options for different situations

If you're short on cash before your due date, you have a few options. You can make a partial payment online or by phone to reduce your balance and lower the interest charged on the remaining amount. You can also contact Synchrony to ask about a hardship program if you're facing a temporary financial difficulty—they may be able to adjust your payment terms temporarily.

If you want to pay off your entire balance at once, online payment is the fastest way. If you're paying from another bank's account, make sure you initiate the transfer at least three business days before your due date to account for processing time. Some banks offer bill pay features that let you schedule payments to arrive on a specific date.

Avoiding common payment mistakes

The most common mistake is confusing your statement date with your due date. Your statement date is when your monthly bill is generated; your due date is when payment must arrive. These are different dates, and paying by the statement date won't prevent a late fee if you miss the due date.

Another mistake is assuming a payment has posted when you've only submitted it. Online payments post the same day, but mail and phone payments can take time. Check your account a few days after paying to confirm the payment went through. If you're paying by mail, keep a copy of the check or receipt so you have proof of when you sent it.

Don't rely on automatic payments without checking your account occasionally. If your bank account doesn't have enough funds on the scheduled payment date, the automatic payment will fail and you'll be charged a late fee. Set a phone reminder a few days before your automatic payment date to make sure the money will be there.

Frequently Asked Questions

Can I pay my Old Navy credit card at an Old Navy store?

No. Old Navy stores do not accept credit card payments. You must pay through Synchrony Bank online, by phone, or by mail. The card is issued by Synchrony, not by Old Navy, so all payments go to the bank, not the retailer.

What time does my payment need to arrive to count as on-time?

Online and phone payments must be submitted by 8 p.m. Eastern time on your due date. Mail payments must be postmarked by your due date, though Synchrony recommends mailing at least 7 to 10 days early to account for mail processing time. If your due date falls on a weekend or holiday, the important date moves to the next business day.

Can I change my due date?

Yes. Log into your Synchrony account and look for the option to change your due date. You can usually move it to any day between the 1st and the 28th of the month. Changing your due date takes effect on your next statement, so plan ahead if you're trying to align it with your payday.

What if I pay more than I owe?

The extra amount becomes a credit on your account and will be applied to your next month's balance. You can also request a refund of the overpayment by calling Synchrony, though some people prefer to keep the credit to reduce their next payment.

Do I earn rewards when I pay my bill?

No. Rewards are earned only when you make purchases with the card, not when you pay the bill. However, paying on time and keeping your balance low helps maintain a good credit score, which can lead to better interest rates and credit terms in the future.