Old Navy Credit Card Reviews

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.