Old Navy Credit Card Reviews

I have the Old Navy Navyist rewards Mastercard and my daughter is an authorized user. She hadn’t even activated her card yet and someone used it at 2 locations. I called as soon as I noticed that we had a balance as it was previously zero. The first customer service rep and the next four customer service reps told me it was being investigated and would take 90 days. At around 100 days, I called again and this agent informed me that it had never been documented as fraud! Then, she finally handled it and I received a letter in the mail stating that they determined it was fraud. I called 2 weeks later to ask about my refund for the two charges and the late fee (they told me I had to pay the charges until a determination was made). I was then told this was a new occurrence again and I raised my voice so she transferred me to her boss.

What kind of card is this? The irony is I just paid the balance to get more of a credit line and someone went ahead and had a shopping spree with my actual card. I regret signing up for this insecure card.

Barclays is probably the worst credit card Old Navy could have went with. Not going to lie I have a credit sore of 650-720 so not the greatest but they keep lowering my limit for no reason. I use the card regularly and pay it off within 2 months.

Customer service was zero help. I asked for a manager who was so condescending and arrogant. They did nothing to fix the issue that they created. I called and it took 4 tries to get a live person. Then places on hold. Another wait. Asked manager. The lady I got was anything but professional. No wonder they have 1 star review.

Old Navy closed my account for inactivity, if they don't put in enough good sales to keep up with competition, is not my fault, now my credit score dropped because of that. They were not good to send a text or phone call to notify me.

We all know credit cards are full of scams. Barclays is just straight up stealing from you. Customer service will only help you by saying you have not paid your account in full and hang up before you can respond. If you are going to get a credit card, get one from the bank that will give you rewards and cash back instead of paying the SEVERAL interest fees a month.

Barclays worse to deal with. Do not recommend. They are a switch and bait marketing with Old Navy. After having a Gap card for many years, I had been cancelled for a couple of years, so thought I'd get the Old Navy now. Having my credit locked down, my first application was outright denied hurting my credit score. I unlocked my credit and re-applied then they denied me for "too many applications". Barclays was willing to work through this on the phone (I have perfect credit), but that would mean NO promo for Old Navy for new credit card. Their suggestion was apply again and see what happens. Bad response. Why would I do the same thing and expect a different result.

I've had an Old Navy card for decades. I use it, pay it off in total as soon as I get the bill. When they switched to Barclay, I never got a bill and started to get calls from a number/caller I didn't recognize. When I finally answered it was Barclay looking for payment. Apparently they switched it to paperless without my knowledge. Long and short, impacted my credit score, poor business practice, and poor customer service. Because of this experience I don't shop at Old Navy anymore. Poorest choice they could've made.

I am very much reminded of why to never bother to use credit cards. Generally speaking, I make my credit card payments on time. Referencing the last two cycles for March 2025 and April 2025 with a due date of the 20th, the company has tried to say that my payments were late. They tried to assess late fees doubling the amount of the payment. I recorded the messages with the automated teller. The company also claimed that they were closed for "The Holidays" on April 20th. Well, I have never heard of such.

I’ve been an ON card member for long time. I’m not impressed with Barclays as their credit issuer. In 2020 when we all confined to our homes my credit limit decreased significantly due to lack of use. Despite having nothing but on time payments. Today 2024 I requested a credit limit increase and was denied despite having the same on time payments and a 700 credit score. I will shop elsewhere as they don’t seem to value me as a loyal long time customer.