Old Navy Credit Card Reviews

I like Old Navy deals and I can use the card for other purchase expenses outside of the Old Navy department stores and it’s great. I’ve been a valued, on-time-paying customer when paying my bills. Since, last month their customer service department has been rude to me and I’ve politely ask regarding my card information; I have even spoken to management and a supervisor regarding my concerns but still rudeness and on top of me paying more than the minimum due they tried to talk me into paying of the total balance and on top off that requested personal financial information which isn’t and I felt it was fraudulent activity. I have made my payments on time and also pay more than the amount due, but all of a sudden bad customer service experience all around. I have been hung up on after asking about my card information.

Credit card in store scam gives you a discount. 822 credit score and was told it would take longer processing. Processing came hours later after checking out for full price with a coupons for shopping next time.

Credit cards who cut credit lines from 5K to 1K for people who didn’t miss any payments on their or other credit cards deserve people attention - not to get them! It hurt our credit score. Literally, why should I care about credit score if credit companies do this?

Horrible... I do not recommend this card... I was a loyal customer from 2019 until now and I've never been late or missed a payment. Barclays connected me with Green path financial which is a credit counseling program they work directly with that I pay on time monthly.. To my surprise I received an alert from Experian that my credit score dropped 44! Myself as well as GPF tried to resolve this to no avail. I was told I have to seen a letter!

I fell for a financial scam back in February and put in 5 separate disputes for each of the transactions. About a week later, I received 5 notifications from the Barclays app that the case has been resolved in my favor and the case has been closed. This was the same day I received the credits back onto my card. Today, 2 months later, I receive notifications that they couldn't help me and that the transactions would be posted to my account. As you can imagine, I was very confused and upset since I was already under the impression it's been closed because that's what the notification told me. If it wasn't actually closed, change your damn notification wordings so no one else gets misled like I did. Total bullshit.

The new rewards program is total garbage! I have 48,000 points which used to be about 48 dollars in rewards money. Now it's only for certain items nobody would ever want.... I can get a hat, stuffed animal, or enter sweepstakes. Complete and total trash. I have had a Gap or Old Navy card for nearly 20 years, but you lost a loyal customer from this joke of a "rewards" program. Utterly disappointed. Do better!

This is the worst credit card I have ever had. Their credit card interest is over 33%. They transfer you from one person to another. They have you talked to Old Navy personnel and then to Barclays. They make two payments so I’m not get any interest. They have been holding $481 and have not refunded it for over two weeks. I have asked them to expedite the payment and they said it would take 7 to 10 business days I think they just want to keep my money as long as they can. Their billing practices are very terrible. I hope someone learns from my experience.

I am a government employee. I was on shutdown. I called in October and was essentially told to keep calling every month and I would have no late fees or reporting even though they had no program in place. Incredibly inconvenient but I keep calling and got paid up as soon as I came back to work. BUT they reported it. Their response now is take it up with credit bureaus. Unbelievable. Never again.

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.

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.

I got some fraudulent charges on my Old Navy card from Barclays and it has been a nightmare trying to get someone to fix the problem. I have been calling them for the last two months and every time I call, they tell me that they have taken care of it and will not be responsible for those charges but I keep getting calls and emails about a past due payment and late charges. I have spent hours on the phone every week, being transferred from place to place and being told different things every time. No one seems to do anything to help me and after two months, I’m just so frustrated. I will never, ever again get a Barclays credit card.

I have a store credit card and have been a card member for over 15 years with no payment issues. I usually keep a $0 balance and so my auto payment was cancelled. So I made a purchase in store and my card was declined. No notification from Barclays that my payment was missed and no notification that my card was going to be put on hold. I called customer service and all they did was try to sign me up for text notifications about my account, even though I had already opted in for e-mail notifications and they aren't being sent. Total lack of communication from this company and no way to make a complaint online, it just sends you to their same customer service line in the middle east where no one can help with anything. I will never be getting another Barclays credit card again.

I had an Old Navy Credit card for 10+ years with a small credit limit. Not one increase the entire time. Never late. I closed my account. Recently the store has a good deal with card. I was declined. Guess 800 score is needed??

I was at Old Navy, Edwardsville IL. When checking out was asked if I wanted to apply for an ON credit card to save 30%. Once application done, the clerk said there's a computer glitch. Another clerk said it's a global issue and I would get an email in the next day or so with my approval and I could bring my receipt and tags back and they'd give me my discount. When I checked email later, already had the approval email at 4:49, receipt time 4:51. Called corporate, they gave excuse that there were computer issues, said to call manager before going to see if I needed more than receipt.

Beware! Barclay credit, through Old Navy, is horrible to you. They don't send cards and you don't know who to pay, suddenly they mark a late payment on your credit card when it was their fault! I went to dispute and they won. They have such distrust, a year later I opened another credit card (a better one with Citi) and they reduced my credit limit! I'm closing this card!!

Approved for credit. Made purchases--don't mind their clothes prices at ON. Time to make a payment. To set up an account online it askes 6 security questions--6! Then to add my banking info, it asks questions about where I lived, the kind of car I drive, my ex wife's name--from 20 years ago! I failed one of the questions. Frustrated. I just want to make a payment. Called their CS to make a payment, same questions. Couldn't get around them. Asked for a manager. She could override the questions. Added my banking info. Paid it off. Will never use it again. I'm all about ease of use.

Charged $55 for an online purchase in Oct.2023. I got a letter in mail saying that I now owe $220. This letter was received 2/28/2024. I called customer service and they said I signed up for paperless statements and they sent emails. My wife and I searched all files on email account and found that no email was ever sent. I never signed up for paperless statements and they never sent an email. They did reduce the $165 in late fees to $42 and I paid it, just to make my life easier. I believe this is a scam, "don't sent an email and we can collect late fees." Account closed and will not shop there again.

Illegal and unethical!!!! I was at Old Navy, where I spent $455.10. The cashier asked if I wanted to apply for a credit card, if approved it would give me a discount that would bring my total under $300. I have a credit score of 784, so I figured it would be good to get the savings. I was shocked when my application was declined. I was so embarrassed to be denied right in front of a crowd of people, when I know I was qualified. The cashier said I would get a letter explaining why I was declined.

Old Navy credit card never sent me an email or notification regarding the payment. They like to play quiet and surprised you with late fees. Not only the first time but many times already. I’m sick of this credit card company. I’m done with it.

I received late fee for my Old Navy Credit Card. When I called customer service to resolve the issue, to find out the reason of the late fee on my account they hanged up twice, saying that the system is down and to call on a different day and it was so hard to understand the person, since they were talking so fast with an unclear English pronunciation. Very disappointed it their service, I will close the account with Barclays Bank.

I signed up for the Old Navy credit card on 9/4 for a purchase of $111. I didn't receive the card in the mail until 10/28. I found out that on 10/23, I was charged a late fee and other fee amounting to over $30. It took 3 calls to Barclays (which showed up on internet searches as having multiple scams) to get them to take off the late fee.

Ordered 7 items in August and only received 5. ON refused to issue a refund and told me to contact the credit card and this is when my nightmare began. It is now October and not only has the issue not been resolved, I'm now being charged TWICE for items I never received! When I called about the second "Rebill" charge, I was told it was because I reported it as fraud, which I never did. I was then directed to contact the fraud department to get it removed, but they sent me back to the dispute department, who couldn't be less helpful if they tried. They give me a case number, but when I call to check on the status, the case is closed the same day it was opened. I ask to speak to a supervisor and none are ever available, but my number is taken for a "call back in 24 to 48 hours". It's been 2 months and I haven't gotten a call back yet.

I was making a purchase during a sale at Old Navy. A box underneath my total read that I was preappoved for a credit card and I would save 30% off of my first order. I signed up and a message appeared stating I would have to wait while they ran my credit report. Ok. 4 days later, I get the last four digits of a credit card number and I have no way of getting the entire credit card number because Barclays “lookup” function tells me to call a customer service representative who can’t give me the full number. I can’t open a Barclays account without the full number so I can’t buy anything.

I been calling Old Navy every other week for over 45 days now as to ask where is my Old Navy credit card? How do you send me clothes to my apartment but never a credit card when I signed up for the card and got approved and purchased clothes and have them arrive all before I recieved a card? Now I want to pay my bill before I receive any late bill payment fees and they tell me on my first call the billing and shipping was not matching so they didn't send the credit card I applied for but sent me the clothes. Which didn't make any sense. I call again 14 days later and I tell them it hasn't arrived and they said they would expedite a card. We verify we both gave and have the same information and again still waiting for a credit card.

Old Navy had an 11 month 0% APR on purchases promotion I signed up for in January 2023 and that promotion would end December 1, 2023. I recently checked my credit card bill and noticed that there is interest being charged on my July statement. I called Barclays and they are telling me that the promotion was only for six months. Turns out that in February, I opened a new account in fear of credit card fraud, and the agent confirmed that the 0% APR on purchases promotion I signed up for was still in place and reconfirmed it would expire on December 1, 2023.

I have had an Old Navy card for years and years with no issue. Use it in person and online. Now it's been taken over by Barclays. Went online to order Starlink equipment, which is about $545. Not authorized. Ok, they're being careful. Get a text from Old Navy asking if I authorized the transaction - confirm I did. Says card is good to use and to retry. Try again and it's declined again. Mind you, I have over $12k in available credit on the card. Call Old Navy. No idea why it's declined, but they'll clear it out and take off the hold due to declines and try again in 15-20 minutes. Told them I will, but that also I will have to make another purchase from Starlink within an hour of the first purchase going through for the remainder of the equipment, and there will be a recurring monthly charge. All will now go thru according to them.