Call Old Navy's payment line to pay your bill over the phone
You can pay your Old Navy credit card bill 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. You'll need your card in front of you and a bank account or debit card ready to process the payment.
Payments made by phone are typically processed the same business day if you call before the cutoff time, which is usually in the evening. Check your statement or the back of your card for the exact cutoff and the phone number to use. If you call after hours, your payment will be queued for processing the next business day.
Old Navy's payment line is available seven days a week. You can also speak to a representative if you have questions about your balance, due date, or payment options before you pay.
Key Takeaways
- The phone number for Old Navy payments is printed on the back of your credit card and on your monthly statement.
- You will need your card number, account number, and a bank account or debit card to complete a phone payment.
- Payments made before the daily cutoff are usually processed the same business day.
- You can speak to a representative on the phone if you want to discuss your account before paying.
- Phone payments do not require you to create an online account or download an app.
What information you need before you call
Gather these details before dialing so the call moves quickly. You'll need your Old Navy credit card number or the account number printed on your statement. Have your bank account number or debit card number ready, along with the routing number if you're paying from a checking account.
Know the amount you want to pay — whether that's the full balance, the minimum payment, or a custom amount. The system will ask you to confirm this before processing. If you're not sure what you owe, check your most recent statement or have it in front of you when you call.
How the payment process works step by step
When you call, the automated system will first ask you to enter your account number using your phone keypad. It will then confirm the last four digits of the card on file. Next, you'll enter the payment amount you want to send.
The system will ask you to choose your payment method — either a checking account, savings account, or debit card. If you choose a bank account, you'll enter the routing number and account number. If you use a debit card, you'll enter the card number and expiration date.
Before the payment is final, the system will read back the amount and the account it will be drawn from. You'll be asked to confirm by pressing a key on your phone. Once confirmed, you'll receive a confirmation number. Write this down or note it in your records.
When your payment will post to your account
Payments made before the daily cutoff time — usually between 5 p.m. and 9 p.m. Eastern time, though this varies — post the same business day. Payments made after the cutoff or on weekends and holidays are processed the next business day.
Even though the payment posts quickly, it may take one to two business days for the charge to appear on your bank account or debit card. The payment will show as pending during this time. Your Old Navy account will reflect the payment immediately after processing.
If you need to know the exact cutoff time for same-day processing, ask the representative when you call, or check your statement for this information.
What to do if you need to speak to a representative
If you reach the automated system and want to talk to a person instead, you can usually press a key to be transferred to customer service. Wait times vary depending on call volume. Representatives can answer questions about your balance, help you set up a payment plan if you're behind, or discuss other payment methods.
A representative can also help if you're unsure about your account or need to dispute a charge. They can walk you through the payment process if you prefer not to use the automated system.
Other ways to pay your Old Navy bill
Phone payment is one option, but Old Navy also lets you pay online through their website or mobile app. Online payment typically takes the same amount of time to process and gives you a record of the transaction immediately. You can also set up automatic payments so your bill is paid on the same date each month.
If you prefer to mail a check, your statement includes a payment coupon and mailing address. Mail payments take longer to process — usually five to seven business days — so plan ahead if your due date is soon.
Some people use their bank's bill pay feature to send a check directly to Old Navy. This method also takes several business days and requires you to enter Old Navy's mailing address in your bank's system.
What happens if you miss a payment
If your payment doesn't arrive by the due date on your statement, Old Navy will report the missed payment to credit bureaus after 30 days. A late payment can lower your credit score and may trigger a higher interest rate on your card.
Old Navy may also charge a late fee, which varies but is typically between $25 and $40 depending on your card terms. If you realize you'll miss the due date, call customer service to discuss options. Some cardholders can negotiate a one-time late fee waiver or a short extension, though this is not may provide.
If you fall behind on multiple payments, Old Navy may freeze your account or close it, making it unavailable for new purchases.
Frequently Asked Questions
Can I pay my Old Navy bill with a credit card over the phone?
No. Old Navy only accepts bank account or debit card payments by phone. Paying with a credit card would create a cash advance, which carries higher fees and interest rates. Use online payment or mail a check if you want to pay with a different card.
Is there a fee to pay by phone?
Old Navy does not charge a fee for phone payments. The payment is free whether you use the automated system or speak to a representative.
What if the payment doesn't go through?
If your payment fails, the automated system will tell you immediately and explain why — usually due to insufficient funds or an incorrect account number. Write down the error message and check your bank account details. You can try again right away or call back later. Your account will not be charged if the payment fails.
Can I cancel a payment after I've confirmed it?
Once you receive a confirmation number, the payment has been submitted and cannot be cancelled through the phone system. Contact customer service immediately if you need to stop the payment. They may be able to reverse it if it hasn't processed yet, but this depends on timing and is not may provide.
Do I need to create an online account to pay by phone?
No. Phone payments work with just your card number and account information. You do not need to set up an online account or provide an email address to pay this way.