Calling Old Navy to pay your bill
You can pay your Old Navy credit card bill over the phone by calling the customer service number on the back of your card. The automated system will walk you through entering your account number and payment amount, or you can speak to a representative who can process the payment for you. Payments made by phone are typically posted to your account within one business day.
Old Navy uses Synchrony Bank to issue and manage its credit card, so the phone line you call is Synchrony's customer service line, not Old Navy's main store number. The back of your physical card will have the correct number to dial. If you don't have your card handy, you can log into your online account at oldnavy.com and find the payment phone number there as well.
When you call, have your account number, Social Security number or date of birth ready for verification. You'll also need to know the payment amount you want to send and the bank account or debit card you're paying from if you're using an electronic payment method.
Key Takeaways
- The phone number to pay your Old Navy bill is on the back of your card and connects you to Synchrony Bank's customer service line.
- Phone payments post within one business day, so calling a few days before your due date gives you a safety margin.
- You can pay from a checking or savings account using your routing and account numbers, or from a debit card.
- If you miss a payment, late fees and interest charges will be added to your balance, and the missed payment will appear on your credit report after 30 days.
What information you need before calling
Gather these details before you dial so the call moves quickly. You'll need your Old Navy account number, which appears on your statement and on the front of your card. You'll also need a form of ID verification — either your Social Security number or the date of birth associated with the account.
Have the payment method ready. If you're paying from a bank account, you'll need your routing number and account number. If you're using a debit card, have the card number, expiration date, and CVV ready. The representative or automated system will ask for these details to process the payment.
Know how much you want to pay. You can pay your full statement balance, the minimum payment shown on your bill, or any amount in between. If you're not sure what you owe, the representative can tell you your current balance during the call.
How phone payments affect your payment timeline
When you pay by phone, the payment is usually processed the same day if you call before the customer service cutoff time, which is typically in the evening. However, it takes one business day for the payment to actually post to your account and reduce your balance. This means if you call on a Friday evening, the payment may not show up until Monday.
Because of this one-day posting delay, it's wise to call a few days before your due date rather than on the due date itself. If you call on the due date and the payment doesn't post until the next day, you could be charged a late fee even though you initiated the payment on time. Synchrony's policy is that the payment must post by the due date to avoid a late charge.
If you're cutting it close to your due date, ask the representative during the call to confirm when the payment will post. Some representatives can note your account that a payment is pending, which may help if a late fee is incorrectly applied.
Fees and costs of paying by phone
There is no fee charged by Synchrony or Old Navy for paying your bill by phone. The call itself is free if you're using a standard phone plan, and the payment processing carries no surcharge. You pay only the amount you choose to send toward your balance.
However, if you don't pay at least the minimum amount by the due date, you will be charged a late fee. Late fees on Old Navy cards vary but typically range from $25 to $40 depending on your account history and the size of your balance. A single late payment also triggers interest charges on your remaining balance if you carry one.
Late payments also affect your credit score. After 30 days past due, the missed payment is reported to the three major credit bureaus and will lower your credit score. This mark stays on your credit report for seven years, even after you pay the debt.
When phone payment is the best option
Phone payment works well if you don't have online access or prefer not to use a website or app. Some people call because they're unsure about their balance or have questions about their account that they want to ask a representative while making the payment. The representative can answer questions about your interest rate, explain charges on your statement, or discuss payment options if you're having trouble paying.
Phone payment is also useful if you're traveling or away from your computer and need to make a payment quickly. As long as you call before the customer service line closes, your payment will be processed the same day and post within one business day.
If you're a person who likes to hear confirmation that a payment went through, speaking to a representative gives you that reassurance immediately. The representative can tell you your new balance after the payment posts and confirm the exact date it will show up in your account.
Other ways to pay your Old Navy bill
You can also pay online through your Synchrony account at mysynchrony.com or through the Old Navy website if you're logged into your account there. Online payment is available 24 hours a day and posts within one business day, just like phone payment. Many people find online payment faster because there's no wait time on hold.
You can set up automatic payments through your online account so that a minimum payment or a set amount is paid each month without you having to call or log in. Automatic payments reduce the risk of missing a due date, though you should still check your statements to make sure the payment amount is correct each month.
You can also mail a check to the address shown on your statement, but mail takes longer — typically 7 to 10 days to arrive and post. This method is riskier if you're close to your due date because the payment may not post in time to avoid a late fee.
What to do if you can't pay the full amount
If you can't pay your full balance, you can still call and pay whatever amount you can afford. Paying at least the minimum amount by the due date keeps you from being charged a late fee and protects your credit score. The minimum payment is shown on your statement and is usually 1 to 3 percent of your total balance.
If you pay only the minimum, the rest of your balance will accrue interest at your card's APR, which varies based on your creditworthiness. You can ask the representative during your call what your current APR is and how much interest you'll be charged on the remaining balance.
If you're struggling to make even the minimum payment, ask the representative about hardship programs or payment plans that Synchrony may offer. Some cardholders are able to negotiate lower interest rates or temporary payment reductions if they're facing financial difficulty. The representative can explain what options might be available based on your account history.
Frequently Asked Questions
Can I pay my Old Navy bill by phone if I don't have the card with me?
Yes. You can find the Synchrony customer service number on your online account at mysynchrony.com or on your statement. You'll need your account number and a form of ID verification to process the payment, but you don't need the physical card in front of you.
What time should I call to make sure my payment posts by the due date?
Call at least one business day before your due date. If you call on the due date itself, the payment may not post until the next day, which could result in a late fee. Calling two or three days early gives you a safety margin.
If I pay by phone, will the payment show up immediately?
The payment is processed the same day you call, but it takes one business day to post to your account and reduce your balance. You'll see the updated balance in your online account or on your next statement after it posts.
Is there a limit to how much I can pay by phone?
Most card issuers don't set a limit on phone payments, but Synchrony may have a daily or monthly limit depending on your account. Ask the representative during your call if you're paying a large amount and want to confirm it will go through.
What happens if I call and pay but then my payment is rejected?
If the payment is rejected because of insufficient funds or an invalid account number, Synchrony will contact you to let you know. You'll need to call back and provide a different payment method. If the rejection happens close to your due date, you may still be charged a late fee, so contact customer service right away to resolve it.