Old Navy Credit Card Reviews

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.

They default to paperless without telling you! I always use my Yahoo for retailers and don’t check that email. My $120 charge tuned into $270 and also gave me bad credit! Don’t sign up! Terrible customer service too.

I haven’t been able to even use the card due to Barclay’s issues. When it does go through on rare occasion my order is canceled soon after. I’ve had multiple cards sent and that didn’t fix it. I’ve been told many different reasons, spent hours on the phone with them, until finally closing the account. I was unable to use accumulated points and rewards and credits from earlier purchases. I don’t know if it was the Comedity to Barclay switch that made this happen, but it was incredibly frustrating. No more card for me, and also likely never shopping there again. O.N. and parent company Gap need to take care of this.

Terrible! Do not apply for an Old Navy credit card. You will not get the 44% discount that they promise to give you for applying. I applied and have an excellent credit score and was approved. But I did not receive a discount. I live 100 miles from that store. The only way I can get the discount is by going back to the store with my receipt and my CC. And put the balance on my CC. STUPID!!! And in my opinion, it's a scam/lie.

I would give 0 stars if I could. I bought a pair of shorts for my daughter a few months ago for 25 dollars. I always want paper statements because that is my reminder to pay. I don't have the kind of job that glues me to checking emails. I was looking for an email recently because my daughter is going to college and we are waiting for a reply. I see a obscure email from Old Navy cc saying I owe 93 dollars. They enrolled me in paperless and now I had to pay 93 dollars for a 25 dollar pair of shorts. They would not even work with me. This will cost them hundreds in sales because I will plaster this all over and bad mouth them until they make it right. You don't mess with a single hard working Mom who pays her bills on time.

I tried to use my Old Navy Credit Card to make a $106 purchase and was told there was a complication and that it didn’t go through, so I used another credit card. Some time later I get a call from their Fraud Department saying they were suspicious of fraud attempt on my account and put me on hold. After waiting fifteen minutes, the recording said that they were unable to connect me and that I needed to call the number on the back of the card.

I had no problem with Barclays until recently. In fact, I had TWO credit cards through Barclays - one for Old Navy and one for Scheels. However, this company took it upon themselves to cancel BOTH of my credit cards over a six month period for inactivity. They DID NOT even notify me prior to doing this!! I would have gladly went and purchased something at THEIR stores to keep my accounts open but nooo!!!! They just canceled my credit cards, knocking my credit score down that I've worked VERY hard to rebuild.