How Old Navy Bill Pay Works
Old Navy bill pay is the process of sending a payment to Old Navy for a balance you owe on an Old Navy credit card or a purchase made through their store card. You can pay online through your account, by phone, by mail, or in person at an Old Navy store. The payment goes toward your current balance and any interest or fees that have accumulated.
Old Navy credit cards are issued by Synchrony Bank, which means Synchrony handles the billing and payment processing. When you make a payment, it goes to Synchrony, not directly to Old Navy. This matters because the mailing address, phone number, and online portal you use all belong to Synchrony, even though the card itself is branded Old Navy.
Payments typically post to your account within one to three business days, depending on the method you use. If you pay online or by phone, the posting is usually faster than a mailed check. Your payment due date appears on your monthly statement, and paying by that date keeps you from being charged a late fee.
Key Takeaways
- Old Navy credit card payments are processed by Synchrony Bank, so you send payment to Synchrony, not to Old Navy itself.
- You can pay online through your Synchrony account, by phone at the number on your statement, by mailing a check, or in person at an Old Navy store.
- Online and phone payments usually post within one to three business days; mailed payments take longer depending on mail delivery time.
- Paying by your due date avoids a late fee, and paying more than the minimum helps you pay off the balance faster and reduces the total interest you pay.
Paying Online Through Your Synchrony Account
The fastest and most common way to pay is through the Synchrony website or mobile app. Go to mysynchrony.com or download the Synchrony mobile app, then log in with your username and password. If you do not have an online account yet, you can create one using your card number and other identifying information from your statement.
Once logged in, look for a "Make a Payment" or "Pay Now" button, usually on the main dashboard. You will enter the amount you want to pay and choose your payment method — either a bank account (ACH transfer) or a debit card. Bank account payments are free and typically post within one business day. Debit card payments may carry a fee depending on Synchrony's current policy, so check before you confirm.
After you submit the payment, you will see a confirmation number. Keep this for your records. The payment will show as pending in your account until it posts, which usually happens the next business day if you pay before the cutoff time (often 8 p.m. Eastern Time).
Paying by Phone or Mail
You can pay by phone by calling the number on the back of your Old Navy card or on your monthly statement. A representative will take your payment information and process it over the phone. Phone payments are typically free and post within one to three business days. Have your card number and the amount you want to pay ready before you call.
To pay by mail, write a check or money order payable to Synchrony Bank (not Old Navy). Include your account number on the check. Mail it to the address shown on your statement under "Payment Address" — this address changes depending on which payment processing center handles your account, so always use the address on your current statement rather than an old one.
Mailed payments take longer to arrive and post. Plan for five to seven business days for the check to reach Synchrony, plus one to two more days for it to be processed and posted to your account. If your payment due date is coming up soon, mailing a check risks a late fee if it does not arrive in time. For payments close to the due date, use online or phone payment instead.
Paying in Person at Old Navy
You can walk into any Old Navy store and make a payment at the register. Tell the cashier you want to pay your credit card bill. They will take your payment (usually cash or debit card only, not another credit card) and give you a receipt. This payment is then sent to Synchrony on behalf of the store.
In-store payments are convenient if you are already shopping, but they typically take longer to post than online payments — usually three to five business days. If you need the payment to post quickly to avoid a late fee, this is not the best option. In-store payments also do not give you the same immediate confirmation that an online payment does, so keep your receipt as proof.
What Happens If You Miss a Payment
If your payment does not arrive by the due date shown on your statement, you will be charged a late fee. The amount varies but is typically $25 to $40 for the first late payment. If you miss a payment by 30 days, the late fee may increase, and Synchrony will report the missed payment to credit bureaus, which can lower your credit score.
If you realize you will miss the due date, contact Synchrony as soon as possible. Call the number on your statement and explain your situation. Synchrony may be willing to waive a single late fee if you have a good payment history, though they are not required to do so. Paying as soon as you can, even after the due date, stops additional fees from accumulating.
If you fall behind on multiple payments, Synchrony may freeze your account, meaning you cannot make new purchases. They may also increase your interest rate. If the debt goes unpaid for six months or longer, Synchrony may close the account and send it to a debt collector.
Understanding Minimum Payments and Interest
Your statement shows a minimum payment due, which is usually a small percentage of your total balance — often around 1 to 3 percent. Paying only the minimum keeps you from being late, but it means you will pay a lot of interest over time because the balance stays high.
Interest on Old Navy credit cards is charged daily on your outstanding balance. The interest rate (called the APR, or annual percentage rate) varies based on your credit score and current market rates, but it is typically between 18 and 27 percent. The higher your balance and the longer you carry it, the more interest you pay.
If you pay more than the minimum — ideally the full statement balance — you reduce the amount of interest charged next month. Paying the full balance by the due date means you pay no interest at all. Even paying $50 or $100 more than the minimum each month significantly reduces the total interest you pay and gets you out of debt faster.
Setting Up Automatic Payments
Through your Synchrony account online, you can set up automatic payments to occur on a date you choose each month. You can choose to pay a fixed amount (like $100) or the full statement balance automatically. Automatic payments are deducted from your bank account on the date you select.
Automatic payments reduce the risk of forgetting a due date and being charged a late fee. However, you still need to monitor your account to make sure the payment goes through — if your bank account does not have enough money on the payment date, the payment will fail and you may be charged an overdraft fee by your bank plus a late fee by Synchrony.
You can change or cancel an automatic payment anytime through your Synchrony account. If you cancel, make sure you have a plan to pay manually, or you risk missing the due date.
Frequently Asked Questions
Can I pay my Old Navy bill at a Gap or Banana Republic store?
No. Old Navy, Gap, and Banana Republic are separate brands with separate credit card programs. Each has its own card issued by Synchrony, and payments must go to the correct card's account. If you have a Gap card, you cannot pay it at an Old Navy store, and vice versa. Check your card to see which brand it is branded for.
What if I pay online but the payment does not show up in my account?
Check your confirmation number and the status in your Synchrony account. Payments typically show as pending for one business day before posting. If more than three business days have passed and the payment still does not appear, contact Synchrony customer service with your confirmation number. They can trace the payment and confirm it was received.
Can I set up a payment plan if I cannot pay my full balance?
Synchrony does not offer formal payment plans, but you can contact them to discuss your situation. If you are having financial hardship, they may be willing to work with you on a temporary arrangement, though this is not may provide. Paying anything above the minimum each month is better than paying only the minimum, as it reduces interest charges.
Is there a fee for paying online?
Paying by bank account transfer (ACH) through your Synchrony account is free. Paying by debit card may carry a fee — check the payment screen before you confirm. Phone and mail payments are free. In-store payments are free but take longer to post.
What if I overpay my bill?
If you pay more than your current balance, the extra amount becomes a credit on your account. You can use this credit toward future purchases, or you can request that Synchrony refund the overpayment to your bank account. Contact Synchrony to request a refund if you prefer not to keep a credit balance.