You can pay your Old Navy credit card bill by phone by calling the customer service number on the back of your card
The fastest way to pay by phone is to call the number printed on the back of your Old Navy credit card. A representative can take your payment over the phone and confirm it immediately. You will need your card number, the amount you want to pay, and a bank account or debit card ready when you call.
If you do not have your card handy, you can also call Old Navy's main customer service line, though they may transfer you to the credit card department. Either way, the process takes about five to ten minutes once you reach the right department.
Key Takeaways
- Call the number on the back of your Old Navy card to reach the credit card payment line directly.
- Have your card number, payment amount, and bank account or debit card information ready before you call.
- Payments made by phone are usually posted to your account within one business day.
- You can also set up automatic monthly payments through your online account to avoid calling each month.
- If you miss a payment, contact the card issuer right away—late fees and interest charges begin after your due date passes.
What information you need to have ready
Before you call, gather your Old Navy credit card, a pen and paper to write down a confirmation number, and either your checking account number or a debit card. The representative will ask for your card number to pull up your account, then ask how much you want to pay—either the full balance, the minimum payment, or a custom amount.
If you are paying from a bank account, you will need your routing number and account number. If you are using a debit card, you will need the card number, expiration date, and CVV (the three-digit code on the back). The representative will walk you through each piece of information.
How long it takes for the payment to post
Payments made by phone are typically posted to your account within one business day. This means if you call on a Monday afternoon, the payment should show up by Tuesday. If you call on a Friday evening or weekend, it may not post until Monday or Tuesday.
If your payment due date is coming up soon and you are cutting it close, ask the representative when the payment will post before you hang up. They can tell you whether it will arrive in time to avoid a late fee. If you are already past your due date, the late fee may have already been added to your account, but paying immediately will stop additional interest from building up.
Setting up automatic payments instead of calling each month
If you pay by phone regularly, you can set up automatic monthly payments through your Old Navy credit card online account instead. Log in to your account, look for the "Payments" or "Autopay" section, and choose the amount you want to pay each month and the date you want it to come out of your bank account.
Automatic payments remove the need to call every month and reduce the risk of missing a due date by accident. You can change or cancel the automatic payment at any time through your online account, and you can still make extra payments by phone or online whenever you want.
What happens if you miss a payment
If your payment does not arrive by your due date, Old Navy's credit card issuer (currently Synchrony Bank) will charge a late fee. The amount of the late fee depends on your account terms, but it is typically between $25 and $40 for the first late payment. After 30 days past due, the late payment will be reported to the credit bureaus and may lower your credit score.
If you realize you have missed a payment, call the number on the back of your card right away. The representative can tell you the exact amount owed, including the late fee, and take a payment over the phone immediately. Paying as soon as you notice the miss will stop additional fees and interest from building up, though the late fee that has already been charged usually cannot be removed.
Other ways to pay your Old Navy bill
You can also pay online through your Old Navy credit card account without calling. Log in to your account on the Old Navy website or through the Old Navy app, go to the payments section, and enter the amount and payment method. Online payments work the same way as phone payments and post within one business day.
You can also mail a check to the address listed on your monthly statement, though mailed payments take longer to post—usually five to seven business days. If you are mailing a payment close to your due date, it may arrive late even if you send it on time. For this reason, phone and online payments are safer if you are close to your deadline.
Frequently Asked Questions
Can I pay my Old Navy bill by phone without a bank account?
Yes. You can use a debit card, prepaid card, or any card that has a Visa, Mastercard, American Express, or Discover logo. You will need the card number, expiration date, and CVV code. Credit cards other than your Old Navy card can also be used, though this is less common and the representative will confirm it is allowed.
What if I call to pay but the payment does not go through?
The representative will tell you immediately if the payment was declined. This usually happens because the bank account or card you are using does not have enough funds, or because the card issuer flagged the transaction as suspicious. Ask the representative why it was declined, try a different payment method, or call back the next day to try again.
Can I pay more than my minimum payment by phone?
Yes. You can pay any amount up to your full balance. Paying more than the minimum will lower your interest charges and help you pay off the card faster. The representative will ask you to confirm the exact amount before processing the payment.
How do I know if my payment went through?
The representative will give you a confirmation number at the end of the call. Write this down and keep it. You can also log into your online account the next business day to see the payment posted. If you do not see it within two business days, call back with your confirmation number and ask them to look it up.
What time can I call to pay my bill?
Old Navy's credit card customer service line is usually open seven days a week, but hours vary. The exact hours are printed on the back of your card. If you call outside business hours, you may reach an automated system that lets you make a payment without speaking to a representative, or you may be asked to call back during business hours.