Where to log in to pay your Old Navy bill
Old Navy bills come through Synchrony Bank, the company that issues the Old Navy credit card. To pay your bill online, you log in at synchronybank.com, not through Old Navy's main website. Once you're at Synchrony's site, select "Log In" and enter the username and password you created when you opened the card.
If you don't remember your username or password, Synchrony offers a recovery option on the login page. You'll answer security questions or verify your identity through your phone number or email address on file. This usually takes a few minutes and doesn't require calling customer service.
You can also pay by phone by calling the customer service number on the back of your Old Navy credit card. A representative can process a payment over the phone, though some people prefer the online method because there's no wait time.
Key Takeaways
- Log in at synchronybank.com with your Old Navy credit card username and password to access your account and pay online.
- Your payment posts to your account immediately when you pay online, but it may take one to two business days to show as received by Synchrony.
- You can set up automatic payments from a bank account to avoid missing due dates, and you can change or cancel them anytime.
- If you pay after your due date, Synchrony charges a late fee and may report the late payment to credit bureaus, which can lower your credit score.
- Paying only the minimum amount due means you'll pay interest on the remaining balance at the card's APR, which varies by creditworthiness.
What information you need to log in
Before you go to synchronybank.com, have your Old Navy credit card handy. You'll need either your username or the card number itself to start the login process. If you're logging in for the first time after opening the card, you may need to set up your username and password through Synchrony's enrollment page.
Synchrony also asks for a security code or PIN that you created when you opened the account. If you've forgotten this, the recovery process will ask you to verify your identity using personal information like your date of birth, Social Security number, or the last four digits of your card.
How to make a payment once you're logged in
After logging in, look for a "Make a Payment" or "Pay Now" button on your account dashboard. Synchrony will show you your current balance, minimum payment due, and the due date. You can choose to pay the full balance, the minimum, or any amount in between.
Select your payment method — you can pay from a checking or savings account, or sometimes from another credit card, though paying a credit card with another credit card usually triggers a cash advance fee. Enter the account number and routing number if you're paying from a bank account. Synchrony will ask you to confirm the payment amount and date before processing it.
Your payment is submitted immediately, but Synchrony typically posts it to your account within one to two business days. If your due date is soon, pay a few days early to make sure it arrives on time.
Setting up automatic payments to avoid late fees
Synchrony lets you set up automatic payments that deduct money from your bank account on a date you choose each month. You can set it to pay your full balance, your minimum payment, or a fixed dollar amount. This removes the risk of forgetting to pay and triggering a late fee.
To set up autopay, log in to your Synchrony account, find the "Automatic Payments" or "Autopay" section, and enter your bank account details. You'll choose the day of the month you want the payment to come out — many people pick a date shortly after payday or when they know funds will be available.
You can change or cancel automatic payments anytime through your account settings. If you need to skip a payment or adjust the amount, log back in and modify the autopay settings before the scheduled payment date.
What happens if you miss a payment or pay late
If your payment doesn't arrive by the due date shown on your statement, Synchrony charges a late fee. The amount varies but typically ranges from $25 to $40 for the first late payment, depending on your card terms. A second late payment in the same billing cycle may result in a higher fee.
More importantly, a late payment is reported to the three major credit bureaus — Equifax, Experian, and TransUnion — and stays on your credit report for seven years. Even one late payment can lower your credit score by 50 to 100 points or more, depending on your current score and payment history. This can affect your ability to get approved for other credit products and may result in higher interest rates.
If you realize you'll miss the due date, contact Synchrony before it passes. Some cardholders have had success asking for a one-time courtesy extension or late fee waiver, especially if they have a good payment history. There's no may provide, but it's worth asking rather than letting the payment go unpaid.
Understanding your statement and balance
When you log in to Synchrony, you'll see your current balance, which is the total amount you owe. You'll also see your minimum payment due and your due date. The statement shows all purchases, fees, and interest charges from the past month.
If you carry a balance from month to month, Synchrony charges interest at your card's annual percentage rate (APR). The APR varies depending on your creditworthiness and current market rates. If you only pay the minimum, most of your payment goes toward interest rather than reducing what you owe, and it takes much longer to pay off the balance.
Your statement also shows any promotional offers, like 0% APR for a certain number of months on purchases or balance transfers. Read these carefully so you know when the promotional period ends and regular interest rates kick in.
Other ways to manage your Old Navy account
Beyond paying your bill, you can use your Synchrony account to view your transaction history, update your contact information, and set spending alerts. Some cardholders use alerts to notify them when their balance reaches a certain amount or when a payment is due.
If you have questions about a specific charge or think there's an error on your statement, you can dispute it through your Synchrony account or by calling the number on your card. Synchrony has 60 days from when you first see the charge to investigate and respond.
Frequently Asked Questions
Can I pay my Old Navy bill through the Old Navy website or app?
No. Old Navy's website and app don't have a bill payment feature. You must go to synchronybank.com to pay your Synchrony-issued Old Navy credit card. Some retailers that issue their own cards let you pay through their website, but Old Navy outsources this to Synchrony.
What if I don't have online access or prefer not to use it?
You can pay by phone by calling the customer service number on the back of your Old Navy credit card. A representative will process your payment and confirm it immediately. You can also mail a check to the address listed on your statement, though mail takes longer and may arrive after your due date.
Is there a fee to pay my bill online?
No. Synchrony does not charge a fee for paying your bill online or by phone. If you pay from a bank account, your bank may charge a fee for the transaction, but Synchrony itself does not.
How long does it take for my payment to show up?
Your payment is submitted immediately when you complete the transaction online, but Synchrony typically posts it to your account within one to two business days. Payments made on weekends or holidays may take longer to post. If your due date is within a few days, pay early to be safe.
What's the difference between my statement balance and my current balance?
Your statement balance is what you owed on the date your statement was generated, usually the end of your billing cycle. Your current balance includes any new purchases or payments made since then. When you log in, Synchrony shows your current balance, which is the amount you owe right now.