What old navy.barclaysus.com is and how to use it
old navy.barclaysus.com is the online payment portal for the Old Navy credit card, which is issued by Barclays Bank. When you open an Old Navy credit card account, Barclays becomes your card issuer and manages your bill, payments, and account details. This website is where you log in to make payments, check your balance, view your statement, and update your account information.
To pay your bill through this site, you need your Old Navy credit card number and a password. If you do not have an online account yet, you will need to set one up first — Barclays calls this process "enrollment." Once you are logged in, you can make a one-time payment immediately, set up automatic payments, or view what you owe.
The site also shows your credit limit, recent transactions, interest rate, and minimum payment due. You can download statements as PDFs and update your mailing address or phone number without calling customer service.
Key Takeaways
- old navy.barclaysus.com is Barclays' payment portal for the Old Navy credit card, and you must create an online account to use it.
- You can pay your bill in full, pay a partial amount, or set up automatic payments on a date you choose each month.
- Payments made before 8 p.m. Eastern time on a business day usually post the same day; payments after that time or on weekends post the next business day.
- If you do not have internet access or prefer not to use the website, you can pay by phone at the customer service number on the back of your card.
- Late payments are reported to credit bureaus and trigger late fees, so setting a reminder or automatic payment helps you avoid both.
How to create an account and log in
When you first receive your Old Navy credit card, you do not automatically have access to old navy.barclaysus.com. You must enroll yourself. Go to the website and select "Enroll Now" or "Create Account." You will need your card number, Social Security number, and date of birth. Barclays will ask you to create a username and password.
Once your account is set up, you can log in anytime using your username and password. If you forget your password, the site has a "Forgot Password" link that will send you a reset email. If you forget your username, you can retrieve it using your card number and other identifying information. Keep your login details secure and do not share them with anyone.
Some people receive a temporary password in the mail with their new card. If you did, use that to log in the first time, then create a permanent password of your own.
Making a payment on the website
Once you are logged in, look for a "Make a Payment" or "Pay Now" button, usually on the main dashboard. You will see 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 (bank transfer) or use a debit card. Bank transfers are free; debit card payments may carry a fee, which Barclays will disclose before you confirm. Enter the account or card details and the amount you want to pay, then review the details and submit.
The website will show you a confirmation number and the expected posting date. Write down or screenshot this confirmation in case you need to reference it later. Payments made before 8 p.m. Eastern time on a business day usually post the same day. Payments made after 8 p.m. or on weekends and holidays post on the next business day.
Setting up automatic payments
If you want to pay the same amount every month without logging in each time, you can set up an automatic payment. On the website, look for "Automatic Payments," "Recurring Payments," or "Autopay." You will choose the date each month when the payment should be taken from your bank account, the amount (minimum payment, full balance, or a fixed dollar amount), and which account to draw from.
Automatic payments reduce the risk of missing a due date, which means you avoid late fees and credit damage. However, you are still responsible for checking your balance regularly to make sure the automatic amount is correct. If your balance changes significantly, you may need to adjust the automatic payment amount or cancel it and pay manually that month.
You can change or cancel an automatic payment anytime through the website. Barclays will send you a confirmation email when you set it up and again a few days before each scheduled payment.
What happens if you miss a payment
If your payment does not arrive by the due date shown on your statement, Barclays will charge a late fee. The amount varies but is typically between $25 and $40 for the first late payment and may be higher for subsequent ones. The late fee is added to your balance and you will owe interest on it.
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. This can lower your credit score, making it harder to borrow money in the future or causing you to pay higher interest rates on other loans.
If you realize you will miss the due date, contact Barclays customer service immediately. Some cardholders have been able to negotiate a waiver of the late fee if they have a good payment history, though this is not may provide. The phone number is on the back of your card.
Other ways to pay if you cannot use the website
Not everyone has reliable internet access or prefers to pay online. You can pay your Old Navy credit card bill by phone by calling the customer service number on the back of your card. A representative will take your payment information and process the payment while you are on the call. Phone payments are free and post on the same timeline as online payments.
You can also mail a check or money order to the address shown on your statement. Write your account number on the check and mail it to the address listed under "Payment Address" on your bill. Mail payments take longer to post — typically 5 to 7 business days — so send them well before your due date to avoid a late payment.
Some Old Navy stores accept in-person payments at the register, though this is not available at all locations. Call your local store or check the Old Navy website to see if this option is available near you.
Understanding your statement and balance
When you log into old navy.barclaysus.com, you can view your current statement and past statements. Your statement shows every purchase you made that month, any fees or interest charges, your minimum payment due, and your due date. It also shows your credit limit and how much available credit you have left.
The balance you see on the website is usually current as of the previous day. Transactions can take one to two business days to post after you make a purchase, so your online balance may not include a very recent purchase yet. Your statement balance — the amount due on your bill — is final as of the statement closing date, which is listed on your statement.
If you see a transaction you do not recognize, you can dispute it through the website or by calling customer service. Barclays has a process for investigating unauthorized charges, and you are protected by federal law from paying for fraudulent purchases if you report them promptly.
Frequently Asked Questions
What if I cannot remember my username or password?
The website has "Forgot Username" and "Forgot Password" links on the login page. Click the one you need and follow the prompts. You will be asked to verify your identity using your card number, Social Security number, or other information. A reset link or temporary password will be sent to your email address on file.
Can I pay more than the minimum to pay off my card faster?
Yes. You can pay any amount up to your full balance whenever you want. Paying more than the minimum reduces the interest you owe and helps you pay off the card faster. There is no penalty for paying early or paying in full.
How long does it take for a payment to show up on my account?
Payments made online before 8 p.m. Eastern time on a business day usually post the same day. Payments made after 8 p.m. or on weekends post the next business day. Mailed checks take 5 to 7 business days. Your confirmation number shows the expected posting date.
What is the difference between my statement balance and my current balance?
Your statement balance is what you owed on the day your statement closed — this is what your minimum payment is based on. Your current balance includes new purchases and payments made since the statement closed. You should pay at least the statement balance by the due date to avoid a late fee.
Can I set up automatic payments to pay off my full balance each month?
Yes. When you set up automatic payments, you can choose to pay your full balance, your minimum payment, or a fixed dollar amount. If you choose "full balance," Barclays will automatically pay whatever you owe on the payment date each month.