How to Pay Your Old Navy Credit Card Through Barclays
What oldnavy.barclaysus.com is and how to use it
Oldnavy.barclaysus.com is the online payment portal for the Old Navy credit card, issued by Barclays Bank. If you have an Old Navy Visa card, this is where you log in to make payments, check your balance, view your statement, and manage your account. You do not need to go anywhere else to pay—this single website handles everything related to your card.
To pay your bill, you log in with your username and password (or create an account if this is your first time), navigate to the payment section, and choose how much to pay and when. The payment posts to your account within one to two business days if you pay before the cutoff time, which is usually 8 p.m. Eastern time on the day the payment is due.
You can also set up automatic payments so the same amount comes out of your bank account on the same day each month. This removes the risk of forgetting and helps you avoid late fees and interest charges.
Key Takeaways
- Oldnavy.barclaysus.com is the official payment site for Old Navy credit cards issued by Barclays, and it is the fastest way to pay online.
- Payments made before 8 p.m. Eastern time usually post within one to two business days, so plan ahead if your due date is soon.
- You can set up automatic payments from your bank account to avoid missed payments and late fees.
- If you cannot access the website, you can also pay by phone at the number on the back of your card or by mailing a check to the address on your statement.
How to create or log into your account
If you have never used oldnavy.barclaysus.com before, you will need to register. Click "Enroll Now" or "Register" on the homepage, then enter your card number, Social Security number, and date of birth. Barclays will verify this information against their records and send you a confirmation email.
Once you are registered, you create a username and password. Use a password that is at least eight characters long and includes numbers and letters—this protects your account from unauthorized access. Write it down somewhere safe, or use a password manager if you have one.
If you already have an account and forget your password, click "Forgot Password" on the login page. Barclays will send a reset link to the email address on file. If you cannot remember the email address you used to register, call the number on the back of your card and a representative can help you recover your account.
Making a one-time payment
Once you are logged in, look for a button or link labeled "Make a Payment" or "Pay Now." Click it, and you will see your current balance, minimum payment due, and the due date. You can then choose to pay the full balance, the minimum, or a custom amount.
Next, select the date you want the payment to come out of your bank account. If you choose a date before your due date, the payment will post in time to avoid a late fee. If you choose a date after your due date, you may be charged a late fee even if the payment is on the way.
Then enter your bank account number and routing number (the nine-digit code at the bottom left of a check). Barclays will debit your account on the date you chose. You will receive a confirmation number on screen and via email—save both for your records.
Setting up automatic payments
Automatic payments remove the need to log in and pay each month. To set one up, log into your account and look for "Autopay," "Automatic Payments," or "Recurring Payments." Click that option and choose the amount you want to pay each month: the full statement balance, the minimum payment, or a fixed dollar amount.
Then choose the day of the month you want the payment to come out. Most people choose a day shortly after they get paid, so the money is available in their bank account. Barclays will debit your account on that day every month until you cancel the automatic payment.
You can change or cancel automatic payments at any time by logging back into your account. If you cancel, make sure you have another way to pay—otherwise you will miss your due date and be charged a late fee.
What to do if you cannot pay the full balance
If you can only afford to pay part of your balance, pay at least the minimum amount by the due date. The minimum is usually 1 to 3 percent of your balance, depending on how much you owe and how much interest has built up. Paying only the minimum keeps you from being late, but you will still owe interest on the unpaid balance.
Interest on credit cards compounds daily, which means the longer you carry a balance, the more you owe. If you owe $1,000 and only pay the minimum each month, it can take years to pay off and cost hundreds of dollars in interest. If you can pay more than the minimum, do so—even an extra $10 or $20 per month will reduce the time and interest.
If you are having trouble making any payment, contact Barclays before your due date. Call the number on the back of your card and ask about hardship programs. Some programs can lower your interest rate temporarily or let you pause payments for a month or two while you get back on your feet.
Payment methods besides the website
If you prefer not to pay online, you have other options. You can call the customer service number on the back of your card and pay over the phone using your bank account or debit card. A representative will walk you through the process and give you a confirmation number.
You can also mail a check to the address listed on your statement. Write your account number on the check and mail it to the payment address shown. Mailed payments take longer to post—usually 5 to 10 business days—so send your check at least two weeks before your due date to avoid a late fee.
Some people also pay in person at an Old Navy store, though this is less common. Ask a cashier whether your store accepts credit card payments, as not all locations do.
Understanding late payments and how they affect your account
A payment is late if it does not post to your account by 11:59 p.m. Eastern time on the due date. If your payment is late, Barclays will charge a late fee (usually $25 to $40 for the first late payment, more for repeat offenses) and may raise your interest rate. A single late payment can also lower your credit score by 50 to 100 points, which affects your ability to borrow money in the future.
If you miss a payment by more than 30 days, Barclays may report the account to credit bureaus, and the late payment will appear on your credit report for seven years. This makes it harder to get approved for loans, mortgages, or other credit cards.
If you realize you will be late, contact Barclays immediately. Explain your situation and ask whether they can waive the late fee or work out a payment plan. Many companies will do this if you have a good payment history and this is your first miss.
Troubleshooting common problems
If you cannot log into your account, first check that you are using the correct website: oldnavy.barclaysus.com. Make sure you are not on a phishing site (a fake site designed to steal your information). Phishing sites often have URLs that look similar but are slightly different, like "oldnavy-barclaysus.com" or "oldnavy.barclays-us.com." Always type the address directly into your browser or bookmark the real site.
If you are on the correct site and still cannot log in, try resetting your password. If that does not work, call the number on the back of your card. Do not give your password to anyone, even a Barclays representative—they will never ask for it.
If a payment you made does not show up in your account after two business days, log in and check the payment status. You should see a confirmation number and the date the payment is expected to post. If the payment shows as "pending" or "processing," wait another day. If it shows as "failed," contact your bank to find out why the debit did not go through—sometimes it is a mismatch between the account number you entered and the one on file at your bank.
Frequently Asked Questions
Can I pay my Old Navy credit card bill at an Old Navy store?
Some Old Navy stores accept credit card payments at the register, but not all locations do. Call your local store or ask a cashier before you visit. If your store does not accept payments, use the website, phone, or mail instead.
What time does my payment need to post to avoid a late fee?
Your payment must post by 11:59 p.m. Eastern time on your due date. If you pay online before 8 p.m. Eastern time, it usually posts within one to two business days. If your due date is soon, pay immediately rather than waiting.
Can I change my automatic payment amount or date?
Yes. Log into your account, find the automatic payment section, and update the amount or date. The change takes effect on your next scheduled payment. If you want to cancel automatic payments entirely, you can do that from the same menu.
What happens if my bank account does not have enough money when an automatic payment is due?
The payment will fail and bounce back to Barclays. You will be charged a late fee and may also be charged an overdraft fee by your bank. Log in immediately and make the payment manually, or call Barclays to reschedule the automatic payment for a different date when you know the money will be there.
Is oldnavy.barclaysus.com safe to use?
Yes, the site uses encryption to protect your information. However, always make sure you are on the real website (oldnavy.barclaysus.com) and never share your password. Use a secure internet connection (not public Wi-Fi) when you log in, and log out when you are done.