Old Navy Credit Card Reviews

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

I just opened the Old Navy credit card yesterday. I received 20% off my original order. It did take a couple of times to enter the discount code on their website only because I sent order to another address. Corrections had to be made on my part. That 20% is beneficial to me at this time.

Each month we pay our bill in full. The payment is taken, but the balance does not become available for as long at 2 weeks. After multiple call and hours wasted, no one in customer service could explain this. Ultimately, the response we finally got (which still didn’t make sense) was that the card company holds our payments for 10-14 days without opening the balance back up so the card can be used (for the first 6 months after opening the card). Why? No one could offer an explanation for that.

I made a purchase on 10/14. It was "Prime Day" for Old Navy and a ton of other stores and they were having a huge sale. I went on Synchrony to make a payment on 10/17 (early like I always do) and noticed a charge for 10/16 that went through. I did not make this purchase so I contacted their fraud department. I've worked in fraud for several years and am ACAM certified so I am very familiar with how fraudulent activity occurs, however this seemed a bit odd to me. When I asked the fraud specialist how this transaction occurred with the card still in my possession, on a secure web browser (their website), and without the activity being available in my transaction history, I was told that I wasn't able to be given this information and that it would be available at a later time in a letter that would be sent out to me.

I opened a credit card account and when the 1st payment was due, my bank sent a check. When the second payment came it didn't show my payment. Bottom line: tons of texting and phoning and waiting online to the tune of at least 15 hours. They still have not found my 1st payment but acknowledge the 2nd. Complete jerks> wouldn"T even send me an email of the statement that I never got> "Have to send it in the mail". Suggestion: do not do business with Old Navy or their "Bank" called Synchrony Bank!!!!

I’ve had an Old Navy Card for a while now and never had an issue. I’ve never been late on a payment and I haven’t even had a balance on the card since January 'cause I always pay it off immediately. Then I just get notified by Credit Karma that Old Navy closed my account!? So I called them up to asked why and she says “they randomly do credit checks quarterly” and I said okay??? I have great credit and in fact my credit is better than when I first applied for the card???? Then I asked her if I could speak to someone because this is clearly a mistake and having them close it will absolutely negatively impact my credit score and she said “sorry, no, but they will send a letter in the mail”???‍♀️ Honestly, I don’t care enough about Old Navy to give this one more ounce of my time but I will say that I won’t be shopping there anymore. Hey Old Navy, I can’t wait till you go under cause you’ll deserve it????