Old Navy Credit Card Reviews

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????

I have 3 children, all girls preteen and under. I love the rewards on this card because my girls are always growing and I can use them at any Old Navy brand store. I'm already a big Old Navy fan so shopping there for the entire family is a no brainer. Plus, the points offered are usually really good as I can usually earn an average of $40 a billing cycle to use. The card is a Visa so it's offered pretty much everywhere and the customer service has always been really good.

I spent time ordering clothes for my granddaughter. When I went to check out, I received an offer to open a credit card and I would receive 30% off my purchase. I opened a credit card, received the temp card online with the code to use to get the 30% off. When I entered the code, it would not redeem. I did it several times and it would not redeem. I placed a gift card in and it did redeem. I tried calling the company- higher than normal calls, after an hour I hung up because no one would pick up. I called back hours later and this time the automated system said to call back later. By this time, my order disappeared. So now I have to order a new set of clothing -about an hour trying to remember what I ordered earlier.

Hello I am a customer who owns a Old Navy credit card. I have been charged with four late payments which was caused by coronavirus but I have a agreed to pay one late payment. I have requested to dispute my other three late payments. So they will not dispute my other three late payment which was caused by coronavirus and that is affecting my credit score so I would like to solve this as soon as possible. So please help me.

I’m furious. I’ve been a loyal customer of Old Navy with their credit card for several years now. Only for them to close my account without my authorization because they did not have the correct address on file. Knocking my credit down immensely while I was trying to get into a home! I called and was told there was nothing they can do for me. I’m honestly furious & I will never open another card with them again.

I've had an Old Navy credit card for over 2 years now. I use it only for my 8 year old son. I buy things and pay them right off. I went to my account the other day at noticed I didn't have any available credit. Today I check my credit report and my credit card with Old Navy has been closed!!! Without notice! Shame on you Old Navy.

I paid off my Old Navy card and they closed it without notice. I was told they have the right to close the card but couldn’t tell me why. I have been late by two days because it slipped my mind but other than that I paid my bill on time. I will never apply for this card again. I was also told a letter will be sent out stating why they closed my account.

I have been a customer with Old Navy credit card since 2017. Just got an alert that they closed out my account for no reason at all. I have never missed a payment either. All credit cards that have Synchrony Bank on them suck. This is not the first but is the last credit card that I will ever open with them. Horrible bank that holds these credit cards.

I paid off my Old Navy card and they closed it without notice. Then they are reporting the credit agency that I have a high balance on a card that is $0 and they lower my score. I am furious and I called they stated over and over that they have the right to close the card but couldn’t explain why or why they weren’t reporting it correctly. They were useless and condescending on the phone.

I saw a pending amount coming out of my acct for $220.00 from DirecTV. I called Old Navy and asked them not to have that amount taken out of my account due to discrepancy I'm having with DirecTV. I had even stopped that credit card and received a new credit card number so DirecTV couldn't take that money out of my new account until they took care of the problem I was having with them. It didn't matter somehow they were given my new account # which I didn't authorize DirecTV to take out of the new card. The women who I spoke with was very rude and said, "Sorry. Can't stop that pending amount $220.00." Even if I dispute it they have to take it out anyway. I'm paying my balance this month and ripping the card up.

I made an unexpected stop at Old Navy with my grandsons. Armful of clothing for their birthdays. I knew from previous visits that I could have them look up my Old Navy Store Card with my ID. This time though when the clerk looked it up she said it must have been closed. Asked if I wanted to open a new one so I could get my 50% off. Stuck with an armful of merchandise, I said yes. When I got home, I checked my account. Now I have a store card and a NEW visa card. I did not want nor need. Find out that the clerks get promoted and awarded if they open up the new visa cards. This is fraudulent and should be an illegal action.

I opened my account in November 2018 and made several purchases and payments. I paid off the card in March 2019 and had not used it since. I just went to check my account, and it was closed. I called, and was told it was cancelled due to a credit check in July. I never received any notice and I genuinely do not understand why my card was cancelled. My payments were all on time. I’m extremely angry as I checked my account today to see what I could spend on new pajamas, and now it’s nothing. Old Navy needs to partner with a new bank. This is unbelievable.

I had my Old Navy card cancelled despite outstanding credit and no late payments. I pay early. Apparently they only want customers who pay their 25% interest. Synchrony is an extremely corrupt company. I like shopping at Old Navy. I hope they start doing business with a more trustworthy credit card company.

I have had several issues where I have made payments and received a confirmation number. I then check a few days after the payment to find no withdrawal occurred and then go to my payment history on the Old Navy Credit Card site and there is no record of payment. This isn’t the first time this has happened. Recently, I made a payment at the beginning of August. On the day I received my bill I made the payment for 8/23. I just checked on 8/27 and nothing had cleared. I logged onto my Synchrony Old Navy credit card site to find that no payment was processed. I then scheduled a payment, now a day late, and it even gave me a duplicate warning. However, when you go in there is no record of duplicate payment. Super frustrated with their system. I’ve also had months where I receive no bill and have been charged a late fee.

So I use this card around school clothes season and another time is usually Christmas. Had this card since Sept 2016. Always paid my balance off and never missed any payments. Out of pretty much nowhere Synchrony Bank reviewed my credit scores, customer service said they do quarterly and decided to close my account due to information they found on my credit. Even though I wasn’t in bad standing they just up and cancelled my card. I called customer service about the info and told me they sent a letter in the mail. Well I have multiple accounts with Synchrony Bank and those haven’t closed out of nowhere because of my credit scores. How crappy. Guess I’m not shopping at Old Navy anymore.

My account was closed for a early payment that was insufficient. Payment was made again and 10 days they closed my account. I found out on Credit Karma I could see if I didn’t make the payment. I made the payment again after learning the first one didn’t go through. This sucks because they won’t allow me to talk to a manager. They keep playing on the phone. I guess I will contact corporate. I never heard of any one card being closed for INSUFFICIENT FUNDS.

I opened this account last Christmas. On 5/14, I paid my balance in full. On 5/20, Synchrony closed my acct after they did a credit review, which of course made my credit score go down. Why would they even do a credit review, my credit history with other businesses shouldn't play a part in their decision. My history with Old Navy should be what counts. I thought paying off my account was a positive thing and would help my credit. If I missed a payment or late with a payment, then a credit review would make sense. I noticed that many of these reviews are similar to mine. Old Navy isn't the one who made the decisions, Synchrony bank set the rules and guidelines. However Old Navy should reconsider what bank is contracted to handle the credit cards. They are really giving Old Navy a bad name and causing them to lose customers. As long as Synchrony handles their credit card, I won't be doing business with them.

I opened my Old Navy Card 2 yrs ago. I charge my purchases and then pay off pretty quickly and always on time. It has been about 3 months since I used my card. Credit Karma alerted me my account was closed. Logged into Old Navy and they said I could reapply... They just hurt my credit by closing that account, why would I ever reapply? Based on this experience, I will never shop at Old Navy again.

Rewards point gone. Credit card canceled. I made all of my payments, had the card for 1 year. I can imagine that the way Old Navy treats its loyal customers will result in their failure. I can see this one Old Navy store in my tiny community getting shut down. And it will be no sweat to Old Navy. They don't care.

I had an Old Navy Credit Card since 2016 that I used regularly until May 2018. I had not purchased anything thereafter. Today, I logged into my ON account and found out my card was closed. I had never missed a payment or did anything that warranted this and when I contacted customer service, they just let me know it was closed and I would a detailed letter stating why. Honestly, do not apply for a card because if you do, you'll have to deal with subpar customer service along with the headaches of a company that is clearly incompetent. I will definitely dispute any negative remarks Old Navy attempts to make. You've been warned!

Don't bother with this card. At first, the perks and rewards were great and seemed worth the risk of the card. I was wrong. The first 6 months I had this card, I had no troubles. Then when I would schedule my payment, they would accept, it would show on my account and then the next month send me literature saying I didn't pay, with a new bill. I would call, get it resolved and schedule a new payment. This happened four times. I was round and round on the phone with completely unhelpful, rude customer service people. Eventually, I got a manager on for it and they told me paying online is just a "promise to pay" and not a real payment, never mind that I had paid online several times before with no issue before the website changed.

I got the Old Navy CC in May. Made my monthly payments, never went over my limit. On 11-12 I paid the remaining $300ish balance. I logged into my account today to make sure I did not owe any remaining interest payments only to learn that on 12-9 my card was canceled by the company. I called to find out why and was told it was an upper management decision. Then I learned that because I was in good standing and not charged-off it stays on my credit report for 10 years, not 7!

So I been Old Navy credit card since 2012. Didn't know about the two late payment issue until today but paid off every month. So I had a bank account closed and ask them to take if off. Well for some reason on my end made a payment not looking bank info cause I told them to take it off. Got me to this point. Old Navy account closed with $12000 credit limit. I mean who give someone that much limit unless in good standing. No warning, letter, email, calls. Just account closed. Lost my reward that I was going to use on my kids for Christmas. Ooh did I say that I just got out of service for the Army. Hmm... and they knew that. Old Navy doesn't care about vet or in service members. Since Christmas is coming up I can't get my kids warm clothes. $80 on Super Cash GONE... $55 on reward GONE AGAIN.. Great right. Old Navy discrimination!!

I was recently asked if I wanted Old Navy card - and thinking it was membership card I applied and halfway through I realized it was credit card. I wanted to cancel and they said, "You can cancel. No problem - just call the number you get in a message with your ref. no (**)..." I then cancelled. Later... I realized the charge of my purchase never came to my bank account and then I got a mail from TurboTax that my credit account was created and on checking I found out I had a charge was still on the canceled credit card. I called the number again to check how can I make that payment... I was then asked about my routing numbers and account number for the payment but really I was not very comfortable sharing those details over the phone and there is no other option to make the payment online as it asks for card number for registration. Anyone else face this problem? To me, it smells of scam!