How to Pay Your Old Navy Credit Card Through Barclays
Where your Old Navy card payments go
Old Navy's store credit card is issued and managed by Barclays Bank Delaware, not by Old Navy itself. This means when you make a payment, you are sending money to Barclays, even though you use the card at Old Navy. Barclays handles your account, sets your interest rate, decides your credit limit, and processes your payment—whether you pay online, by phone, by mail, or in person at a store.
Understanding this split matters because it changes where you go to pay, where you check your balance, and who handles disputes or billing problems. Old Navy runs the stores and the rewards program. Barclays runs the money side.
Key Takeaways
- Barclays, not Old Navy, owns and manages your Old Navy credit card account, so payments go to Barclays through their website, phone line, or mail address.
- You can pay online at Barclays.com/oldnavy, by phone at the number on your card's back, by mail to the address on your statement, or in person at an Old Navy store.
- Payments typically post within one to two business days if you pay online or by phone, and five to seven business days if you mail a check.
- Your payment due date is set by Barclays and appears on your monthly statement; paying after that date triggers a late fee and may raise your interest rate.
- You can set up automatic payments through Barclays' website so the same amount withdraws on the same day each month.
How to pay online or by phone
The fastest way to pay is through Barclays' website at Barclays.com/oldnavy. Log in with your card number and PIN or password. Once inside your account, select "Make a Payment" and choose the amount you want to send. You can pay your full balance, your minimum payment, or any amount in between. Barclays will show you the payment date—usually the same day if you pay before their cutoff time (typically 8 p.m. Eastern), or the next business day if you pay after.
To pay by phone, call the number printed on the back of your card. A representative will verify your identity, confirm your payment amount, and process the transaction. Phone payments also post within one business day. Both online and phone payments are free.
Mailing a check or paying in store
If you prefer to mail a payment, write a check to Barclays and include your card number on the check itself. Mail it to the address printed on your monthly statement—this address changes depending on which Barclays processing center handles your account, so always use the one on your most recent bill. Mail payments take five to seven business days to arrive and post, so send your check at least a week before your due date to avoid a late fee.
You can also pay in person at any Old Navy store. Walk to the register, tell the cashier you want to make a credit card payment, and hand over cash or a debit card. The store will process the payment immediately and give you a receipt. However, the payment itself may take one to two business days to reach Barclays' system, so this method is not faster than paying online—it just gives you a paper receipt on the spot.
Setting up automatic payments to avoid missed due dates
Barclays allows you to set up automatic payments through their website so money leaves your bank account on the same day each month without you having to remember. Log into your Barclays account, go to "Manage Payments," and select "Set Up Automatic Payment." You will choose the amount (minimum payment, full balance, or a fixed dollar amount), the day of the month it should withdraw, and the bank account it should pull from.
Automatic payments are free and reliable, but they do require you to have enough money in your bank account on that day. If your bank account does not have enough funds, the payment will fail and Barclays may charge you a returned-payment fee. You can change or cancel automatic payments anytime through your account, so you are not locked in.
What happens if you miss a payment or pay late
If your payment does not arrive by the due date shown on your statement, Barclays will charge you a late fee. The amount varies but typically ranges from $25 to $40 for the first late payment. More importantly, a late payment is reported to credit bureaus and can lower your credit score. After 30 days late, the late payment appears on your credit report. After 60 days, Barclays may raise your interest rate to a penalty rate, which is much higher than your regular rate.
If you realize you will miss a due date, contact Barclays before the date arrives. Explain your situation—a temporary hardship, a paycheck delay, or a banking error. Barclays sometimes waives a single late fee or gives you a few extra days, especially if you have a good payment history. Calling is better than hoping; a waived fee is worth five minutes on the phone.
Understanding your statement and payment posting
Your monthly statement shows your balance, your minimum payment, your due date, and your current interest rate. The due date is always the same day each month (for example, the 15th). Your statement also lists every purchase you made, any fees, and any interest charged. At the bottom, it shows your available credit—the amount you can still spend before hitting your credit limit.
When you make a payment, it posts to your account within one to two business days if you pay online or by phone. During those one to two days, your payment is in transit but not yet reflected in your available credit. Once it posts, your balance goes down and your available credit goes up. If you need to spend money right away, do not assume your payment has posted yet; wait for the confirmation email or check your account online.
Disputing a charge or fixing a billing error
If you see a charge on your Old Navy card that you did not make, or if you were charged twice for the same purchase, contact Barclays to dispute it. Call the number on the back of your card and explain the problem. Barclays will open a dispute investigation, which typically takes 30 to 60 days. During the investigation, the disputed amount is usually removed from your balance so you do not have to pay for something you are challenging.
Keep your receipt or order confirmation from Old Navy so you have proof of what you actually purchased. If the dispute is in your favor, Barclays will close the case and the charge stays removed. If the dispute is not in your favor, the charge goes back on your account and you will owe it again. You have the right to appeal Barclays' decision if you believe they made a mistake.
Frequently Asked Questions
Can I pay my Old Navy card at an Old Navy store?
Yes, you can pay in person at any Old Navy register with cash or a debit card. The store will give you a receipt, but the payment takes one to two business days to reach Barclays. Paying online is faster, but in-store payment is an option if you prefer a paper receipt or do not have internet access.
What if I pay online but the payment does not show up?
Check your Barclays account online or call the number on your card to confirm the payment was processed. If you paid before the cutoff time, it should post within one business day. If it has been more than two business days and the payment is not showing, call Barclays to investigate. Keep your confirmation number from when you made the payment.
Does paying my Old Navy card early hurt my credit?
No. Paying early or paying more than the minimum does not hurt your credit. In fact, paying early and paying more than the minimum both help your credit because they lower your credit utilization ratio—the amount of your credit limit you are using. Pay whenever you can.
What is the minimum payment and do I have to pay it?
Your minimum payment is shown on your statement each month. You must pay at least the minimum by the due date to avoid a late fee and credit damage. However, paying only the minimum means you will pay interest on the remaining balance. Paying the full balance each month avoids all interest charges.
Can I change my due date?
Yes. Log into your Barclays account online or call the number on your card to request a due date change. Barclays typically allows you to move your due date to any day of the month. This can help if your due date falls before payday or conflicts with other bills.