Old Navy Credit Card

Old Navy Credit Card

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Overall Rating1.4 out of 5
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About Old Navy Credit Card

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Old Navy is a clothing and accessories retail store with locations across the U.S. The bright and open-concept floor plan lets shoppers quickly identify the different sections throughout the store, including men's, women’s, kids', baby, plus size and activewear. Each store’s layout and selection is different based on geographical location and inventory.

Old Navy Credit Card Reviews

ConsumerAffairs has collected 129 reviews and 399 ratings.

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Page 1 Reviews 0 - 10
Customer ServicePricePunctuality & Speed

Reviewed Sept. 20, 2023

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.

Since Old Navy has outsourced to India or the Middle East, it's been a complete nightmare. From now on if any company is outsourced they automatically lost my business. I will buy American at all costs, even if I have to buy everything from boutiques that make clothes by hand. It's not a race thing but it's about supporting your own fellow tax-paying Americans, while companies don't care about the consumer and only the profit no matter the cost and damage it's doing to its relationship with their customer base that has been with them since day 1.

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Customer ServicePriceStaff

Reviewed Aug. 18, 2023

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.

Luckily for me, I took down the agent’s name and ID number whom I spoke with along with the date and approximate time we spoke. I brought this to the attention of the customer service agent I was on the phone with, and they created a case number and said someone from upper management would get back to me. That was yesterday and I haven’t heard back yet. How does this happen?!? Anyone else have this experience? This is shady.

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    Customer ServicePricePunctuality & SpeedStaff

    Reviewed Aug. 15, 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.

    Wait over 30 minutes, retry, the $545 goes thru. Attempt to order the additional $65 item on Starlink and guess what - declined. So I call again. They tell me, "Yes they see the decline, but it has gone through." "No, the $545 is not what I'm calling about, it's the $65." They can't see it, but keep trying and eventually do. "Don't know why, I will clear it, try again after 10 minutes, it will go through and the monthly charges will be ok." Wait 30 minutes. $65 purchase declined again. Called again. Yes, he sees the $545. Dude, it's not the $545. Finally finds the $65. No idea why declined, he will transfer me to a Specialist. After waiting a few minutes he comes back, says he spoke to his colleague who is a specialist and that the issue is not with them.

    "It's Starlink who's declining the card!" "No, when you cleared the $545 decline and "reset" my account it went through." "No, it's Starlink. I will clear out the declines and "reset" the account," but told me I would have to call Starlink to ask them why they're declining my card. Amazing that I went in to my Starlink account within 5 minutes of hanging up on the guy, changed the card to be charged and it went through immediately. Not Starlink. So disappointed they have no idea what they're doing so they give up and tell me it's not them and there's nothing they can do. I have had this card for years and years. I have now bent the card in half, will transfer my balance to a 0% card and never use this card again. Have enjoyed using it for years, but am now done. Save yourself the hassle and don't get this incredibly high interest credit card.

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    Punctuality & Speed

    Reviewed July 14, 2023

    I didn't use this card for Months. Later, when just checking my bills, I noticed that I was charged a "minimum fee" of $2.00. Then I was charged a late fee of $4.70 for not paying the minimum fee!!.. I was not even aware of these charges for 2 months!... I ended up owing them $16.40, which I paid and then closed the account. I didn't know this was legal.

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    Customer ServiceStaff

    Reviewed June 11, 2023

    I received a new card replacement in the mail. When I called to activate the card Jordan (the representative) gets all my info. Then tells me the card is closed. Which I didn't understand since I just received it. Mind you there are some items that I want to buy online. I had already lost an item being on the phone with him. Anyways all he can do is apologize and tell me that a new card will be issued. Therefore I was not able to get the items, and I asked if there was something they could do for me to get them. He said no. I feel that he could of offered a gift card or something since it wasn't my fault I had literally just gotten the card and he said it was closed. Mind boggling.

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    Reviewed April 5, 2023

    Over a year ago, Old Navy sent me a new credit card. My old card wasn't expired, but they began using a new company. Since I received that new credit card, I have not gotten my rewards, which was the reason I signed up for the card in the first place. I called and spoke to Customer Service, spent over an hour on the phone, for her to "submit" all the info I had to give her and said I would hear back in 75 days. About 3 months later, I had never heard back, so I called again. Another hour phone call, and was told the previous time it had been submitted incorrectly. This lady assured me she would work on it and return my call in 7-10 business days. I never heard back.

    Long story short, I have now called 4 times, each time over an hour on the phone, they supposedly see the problem, and it had to do with my cards not being properly merged when they sent the new card. I have spent over $1000 in Old Navy in the last year, many times it was double rewards dollars or 5 times rewards dollars, and I still haven't seen a single reward. I have been "promised" each time to receive a call back on a specific day, have never received a phone call back. They always "apologize" for the previous person that promised to get it taken care of. NO ONE has ever called back, followed up, fixed the issue or made anything right. I will never shop at Old Navy again!

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    Reviewed Feb. 8, 2023

    Love the clothes for kids but second time the credit card has done this. I never received a bill (and yes I should have called to check), no email, no phone call yet they send me to collections after 2 months. Hopefully my score recovers, as I have 0 late payments. Called customer service, hung up on me twice. I never get store cards, will not again. So disappointed in such poor customer service.

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    Reviewed Dec. 26, 2022

    Always review your transaction statement. I was supposed to get a 20 percent discount credit for opening the account. 3 months later the credit hasn't posted. Closed my account as I tried to contact someone who could help me in regards to this and it led to me being transferred to different departments for almost an hour. Don't bother with such a card, just use your regular Visa. This company deserves the rot that has been happening internally in corporate.

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    Customer ServicePunctuality & Speed

    Reviewed Oct. 11, 2022

    I have had an Old Navy Card for years, with no problem at all. 6 months ago I received two charges for $50 each, that were not mine. I contacted Old Navy immediately and let them know that I did not make these charges. These were fraudulent charges, where someone had bought gift cards with my account. They refunded one charge that day and said that I had to file a fraud claim for the other $50. I filed the claim right then! Then the company switched to Barclays. I called about the claim, they said they didn't have one. I had to file another one. It was approved and every month I still receive a bill with the $50 and now late fees added on. They have told me that it takes time to have the money refunded, yet it has now been 6 months.

    Every month they blow up my phone 5 times a day, as if I didn't pay my bill. Every month I call them back and explain the situation again. Today, they told me that I do not have a pending fraud claim. The money has still not been refunded, even though I have received letters saying that the claim was approved. Barclays apparently does not have an efficient system of billing. I just want it to be refunded so that I can close the account at this point!!

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    Reviewed Aug. 10, 2022

    I paid off my retail card, and years later was in store reopened account. Charged $200, and paid it off the next month, even got a credit refund check of $1.33. Later in July received bill for $4800. Contacted Old Navy said your bill is paid off! Said is it from Barclays?? Yes! Well we have all kinds if Barclay's problems now, do just disregard it. Next month same bill called Barclay's, says can't understand it, how did it happen? I said you just took over and it's a computer glitch or it is identity theft. As I have no charges. After speaking to Teo people I'm told I have another credit card from Old Navy, say what??? The other card has $9000 balance. I don't have another card I screamed. Oh he says this is Old Navy Mastercard. I said I don't have old navy MASTERCARD. I didn't even know one existed, I only have the stores card and it has a zero balance.

    After speaking to 3 reps, it's OK, I will give this to my manager. Expect two weeks and we will close the account. I want my credit cleared and I want the balance written off, and I want a letter that says exactly this. I will follow up in one to Teo weeks to see if this mess they created is resolved. Bottom line don't use your card with them! They are extremely organized or have ex employees sabotaging them!! Or maybe they lack training and a really poor computer system. If you must shop there use a regular credit card or pay CASH!

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    Old Navy Credit Card Company Information

    Company Name:
    Old Navy