Old Navy Credit Card

Old Navy Credit Card

 3.3/5 (518 reviews)

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Overall Rating3.3 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.

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Page 1 Reviews 0 - 10
Verified Reviewer
Original review: 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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Verified Reviewer
Original review: 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.

3 people found this review helpful

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    Verified Reviewer
    Original review: 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.

    4 people found this review helpful
    Verified Reviewer
    Original review: 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!!

    6 people found this review helpful
    Verified Reviewer
    Original review: 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!

    9 people found this review helpful
    Verified Reviewer
    Original review: Feb. 24, 2022

    So, I had a chat with a customer service rep online, she was rude and not helpful and in the end, ended up canceling my account. She did not fully communicate with me correctly and advised me what I needed to do and over 48 hours later, my card was cancelled just like that. I was the one that had to cancel it online not her and there you go. Cancelled. People have bad days and I respect all even if they are rude. I called today to see why this was done and ran into a customer service rep on the phone named Christine. RE: ** She and her manager helped me reinstate my cc. All it takes is one person that has empathy over another person who is driven for negative. If whomever from the company ever reads this, give this girl Christine kudos, she can direct you to the manager. I do not know who it was.

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    Verified Reviewer
    Original review: Sept. 30, 2021

    Hello. I had Old Navy cc for nearly 5 years, with no problems whatsoever. Recently and by the beginning of August, I received an email from Old Navy saying that they are promoting me to a new status (notice I didn’t ask for this) Then they informed me that I will receive my new card within 5-7 business days. After 10 days the card wasn’t there and I got worried, and I called the bank to let them know that the card didn’t make it to me yet. The person on the phone assured me that it’s late and she will issue another card. Then on the same day, I received the late card. I tried to call the bank and tell them no need for the new cc, but it was late. I also discovered that the person who helped me closed my card and she didn’t inform me. For over a week I had no card, and this was a huge inconvenience for me.

    In the meantime I had paid the amount of $3700 online towards my card on August 7th. Three weeks from that day and I couldn’t see this amount reflected on my account. I called the bank to realize that they can see the amount but they don’t know where the money went!!! I let them know that the amount was taken out of my other account and it was cleared from my bank. I also provided the tracking numbers and all the information they asked for. I was assured that they had received the amount and it will reflect on my account. Three weeks later I receive a statement to say that my balance is -$3700!!!! I called the bank again and asked what is the reason for that, the answer was ‘’Oh! We owe you this money because we had taken it twice from your bank, and we will issue you a check with this amount”. I got the check and thought it will be over.

    Three weeks after that I had another statement with the $3700 on it, and when I asked I was told to pay the amount I received via check because it was a mistake. I asked the person to connect me with another employee to confirm this and she hung up on me after being on the phone with the bank for 2 hours! Now I need you to know that I believe it’s a fraud and I need help, because I don’t know what is going on with the bank. PLEASE HELP. GUIDE ME. IT’S A NIGHTMARE AND I WANT IT TO BE OVER.

    3 people found this review helpful
    Verified Reviewer
    Original review: Sept. 15, 2021

    I do not usually write reviews, but my experience in dealing with Old Navy credit card fraud charges has change it. I reported back in June 5 fraud charges that appeared on my card. A representative was very helpful in opening an investigation for all of them. I ended up following up 2 more times since charges were not reversed in July or August, but each time was told that it takes time and not to worry about that. Still in September it was showing a balance. After talking to 3 representatives including two managers and spending almost two hours on the phone I was told that everything was credited back.

    The frustration was that everyone spoke very confidently, but none really listened and wanted to look if they made a mistake including the last investigation manager, Angela. I explained in the fifth time how many fraud charges took place and was told that all of them were credited. She kept repeating the same thing instead of looking into each charge separately. She was too confident to start thinking and looking. I almost felt that I was incorrect. The end result was that they missed one fraud charge. What a surprise?! Despite my initial call when all fraud charges were listed one was missing. I do not think that Old Navy credit card is worth of 2 hours of arguments and 3 months of waiting to settle the fraud issue. Hire competent people and train them well.

    6 people found this review helpful
    Customer increased Rating by 4 stars!
    Verified Reviewer
    Resolution response: Aug. 22, 2021

    I finally got an answer from one of their customer service agents. The site is migrating from the credit card company to the Old Navy Gap store account and should be completed by 9/3/2021.

    Original review: Aug. 20, 2021

    Old Navy changed their credit card to Gap and changed the rewards system which now is only available on their store website. Unfortunately, thousands and thousands of points are stuck in pending with no plans for them to fix it! I’m not sure why, but they may be denying points for certain purchases? At any rate currently there are nearly 100,000 of my points sitting in pending purgatory that they are not converting so I can use them! I will probably need to start using a different card. Beware! I also think their completely throttled their points returns so they are much less favorable. So where I was receiving $250 in value each month now it’s about $86. If you were relying on this card to help pay for your kids' clothes it’s changed dramatically. I’ll probably stop shopping at Old Navy and start spending more at Target and anywhere else.

    2 people found this review helpful
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    Verified Reviewer
    Original review: March 20, 2021

    For no reason, and no explanation, my available credit was dropped by $1000. This then put a ping on my perfect credit record. They need to place a statement on your credit report stating reason “why”. Eg: not spending enough, not using enough, late payment, etc. I have not used this card since Dec 2019.

    8 people found this review helpful
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    Old Navy Credit Card Company Information

    Company Name:
    Old Navy