Old Navy Credit Card Reviews

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!

I applied for an ON CC six months ago. I never received a card, or even a statement. They are reporting missed payments on my credit, and I can’t even get a hold of anyone in the department. I never received a statement via email or mail, I have only received automated calls, so I couldn’t explain that I’d lost my job unexpectedly, and I can’t get through to a human on the line I find on the internet.

I have 13 credit cards and all are auto-paid. Old Navy sent a new card and the auto-payment was removed without any notice. Their system for obvious reasons started charging late fees and interest fees. When I called the Old Navy customer rep - they started dealing with me like there is a huge debt on me for $70 amount, there was a $70+ overdue fees / interest / etc. On the humble request to remove the overdue fees as first time misunderstanding - they created a huge issue out of it. When I requested the loyalty agent or a request to cancel the card - they immediately cancelled the card!! Worst ever customer service!!!

I sign up for the ON card in late 2017, since having this card my account has been locked EVERY SINGLE month without notice. As well as consistently closing my account without notice blaming it on "periodic review". The representative are not helpful and will not budge on getting your account unlocked or reopened but will suggest you to just sign up for a new account. They push you to sign for a new account, but I would not recommend it. Especially, since you will be expecting the same problem with locked or closed accounts with the new card. 100% NOT WORTH GETTING, YOU WILL BE HIGHLY DISAPPOINTED.

I opened a Navy card and when I did in the store they said I could not even use it that day. I never did use it... I decided to close it as it is not necessary to have. The person kept asking me what my birthday was and I said I already told you. Three times they asked if I would reconsider keeping it open. I said no. They then said this will go on my credit report...

Old Navy begged me to apply for a credit card. I kept receiving email after email saying, "You’re pre-approved!" So I applied. They gave me a $300 credit limit, which was fine. I used it but didn't max it out. They lowered my credit limit to $200. No notice by mail, phone call, or email. I didn’t use the card again because with a credit limit that low, I didn’t want to have a high balance. I was paying it off. I made my last payment this month, which was $5. They closed my account. Again, no notice by mail, phone call or email. I never went over my limit and all my payments were made on time. I’ve never seen a company harass people to get a card and then drove them away and ruin their credit. I’m pretty sure this is why my Equifax dropped 24 points.

I closed my Old Navy account in June 2017 because I never use the card nor do I ever shop there. Suddenly in my email in June 2018, I have a statement from them with a charge on it that I didn't make. I called and asked how can a closed account be reopened by a fraudulent charge? When I close a credit card, I expect it to stay closed. They give you no confirmation number for your record that the card has been closed other than the person's first name and their 8 digit phone extension.

I went to use my Old Navy card this afternoon and it was declined, funny I just paid off the account in full. Get home to find a letter stating ‘after review’ they’ve closed my account for ‘derogatory accounts/open public judgement etc’. Um, nope don’t have any of those. So I called customer service, which was unhelpful and very aggravating. I was told they reviewed the account and it was accurate and the account had been closed. I asked when they reviewed the account and she told me on June 2nd.

I have never been so disappointed. I typically shop each season, as my children are constantly growing. I typically make payments on my account. However, after paying my account balance in full and getting ready to begin shopping in a couple of weeks, I receive a letter stating that my account is closed (after the fact). It later says that it is due to inactivity. I contacted the customer service center and explained the situation as this isn't my 1st time shopping seasonally and they couldn't do anything about it. Then they explained that I can open only 1 account (Old Navy/Gap) in a 12 month period. Might I add, THEY CLOSED BOTH OF MY ACCOUNTS WITHOUT NOTICE! I will not shop at Old Navy or Gap again, this is bad business and bad customer service.

I typically only shop Old Navy in the fall & spring... Great summer clothes for kiddos. However I went to go purchase their summer wardrobes and was told my card wasn’t valid. Out of nowhere they shut it down for inactivity. "6 months of non-use," they say! Also to do so without notification, just seems like poor business. I may not be your everyday shopper but you’d think that you’d want the business regardless. Oh well... Guess I’ll be buying their summer clothes elsewhere from now on.

I have had an Old Navy Card for many years and NEVER once late on a payment, as a matter of fact most of the time I paid my payment in full! I also have other cards with Synchrony Bank and have had no issues with them or lowered balances. I have a both a car loan and a car lease with BMW with both perfectly paid on time, we own our home with no mortgage as we paid that in full also! I also have owned my own business since 2011 with my business credit in very good standing. Hmmm...but they felt the need to cancel my card because I am a credit risk? Really, with every single payment made on time every single month, both myself and my husband having very good incomes and always paying our finances on time every single month. I am very confused...maybe I should have been late so they could have made extra fees off of me.

The Old Navy credit card has a good rewards dollars program, but everything else about this credit card is the WORST EVER!!! With ZERO notice, I found out they suddenly closed my credit account. Our bank account had fraud, so there was a delay in the auto-pay, so Old Navy immediately just closed the account! I have excellent credit, a long history of credit cards in excellent standing. This is a horrible way to conduct business.

Went to use my card online today. Declined. It had a 0 balance. Logged onto the card site to see what was going on. The account has been closed. Called to find out what was going on. First I was told because I didn’t use it. I pointed out we used it in December and paid it off Jan 1 (before it was due.) Was then told they sent me a letter (umm not that I saw). She read it to me over the phone. It was because of derogatory collections or public record on my credit report or high balances on my other cards. I stopped her mid sentence. I pay all my credit cards off every month. I have no collections or public records. I have a damn near perfect credit score (780) and the only installment loan is the same truck I had on there when I applied for the card so the kids could do their own shopping.

They made a very hard inquiry on my credit history and the customer service is so bad. They keep me waiting on hold for half an hour and the second time when I called the supervisor she kept me on hold for 25 minutes. Her name was Gwen. I think she lied me about her name and the associate who kept me waiting was Joy. I think both of these names are fake... Please never apply for a credit card from Synchrony Bank, Nobody applies for their credit card. That is the reason they collaborate with Old Navy, Wal-Mart and other companies to cheat people, WORST CREDIT CARD... VERY RUDE CUSTOMER REPRESENTATIVE.

Opened Old Navy credit card in 2016 with a $300 dollar limit. A year later, they lowered my limit to $200 citing my credit report had derogatory information on it. I pulled my credit report and there was not anything different on it then when I first opened the account. I haven't used this credit card that much and when I did, I always paid on time and more than the minimum required. Within 2 weeks of paying the balance off, I received a letter in the mail stating they were closing my account based on the same information they used to justify lowering my credit limit less than 2 months ago. The same bank that owns Old Navy credit card also owns Amazon Credit Card and Walmart. Both accounts have now lowered my credit limits. My credit has not changed since opening these accounts last year. I am done with Synchrony Bank owned credit cards and I will certainly never shop at Old Navy again. This can't be legal what they are doing.

Their online login to make payments is terrible. I registered with all my confidential and bank information to make a payment and the computer stated it was rejected!!! The telephone # on my Statement was also worthless as all it said when I called it was sales pitch for a cell phone company and a satellite company. Finally, I looked up Old Navy online and found a usable telephone number to call (1-877-282-6868) and a young man answered and verified the payment I had recently made had been registered and approved! He also verified their online registration has NOT been updated in a while! This Company needs to check their Websites AND update the telephone number appearing on their monthly statements!!!

I love shopping with this card. The discounts and rewards you get are amazing. I'm using this card from close to 3 years now and it's all worth it. The good thing about this card is it covers variety of clothing and you can use card across their brands and be rewarded. Also couple of time in a year they will come with the offer of spending out of the brands and be rewarded 3-10 points per dollar and of course that helps you accumulate lot of points and shop really expensive clothes in a very reasonable price. I have already recommended to several of my friends. Happy shopping. :)

I got an online notice saying that my credit card bill was due. I went online to try to pay it. I apparently had the wrong user name and/password so I tried to reset them. Impossible. The site has no place to look for help, no way to reset your information without the original id and pw. I'm forced to go to pay my bill at the store. I will never use this card again. It's not user friendly, not easy to pay and impossible to find any help.

I’ve had Gap. For two years payments always on time but because I ran in difficulties my payments were returned once or twice and they closed my account. I didn’t get a letter in the mail. No notifications about returned payments and consequences. The representative just told me my account was closed. I had to log in online to find out about my card. This is unacceptable and unprofessional for such a big company like this.

DO NOT GET A SYNCHRONY OLD NAVY CARD!!! - Worst card ever!!! I used it a few times and paid the balance off right away each time. I haven't used it for the past couple of months because I have other cards with a high balance and didn't want to make it worse. Plus Old Navy doesn't always have the best options. I started with a $400 balance which after a month was increased to $600. So I'm thinking about using it to get some dress pants when all of a sudden I receive an email from Experian stating that an account had been closed. So I go to check and see ** Old Navy closed my account and because I'm away at work. I won't find out why until I reach home next week. Apparently they sent a letter out which should be arriving. Yea OK. Now my utilization rate is even higher because my available credit just dropped by $600. **. I'm never shopping with any of their companies ever again.

Worst card ever! I only had the card for the less than a year, $300 dollar limit, never late on payments and kept my balance under $150. I received an email from Experian that I had a credit decrease and since I have 4 other major credit cards in good standing I didn't know what was going on. Logged into my Experian account and found out it was from them. I had read this before from others but I didn't think it would happen to me. No notice from them or anything. I am paying them off and never using them again. As a result of that decrease my credit score dropped unnecessarily.

This company cares nothing about their customers. I had a $2500 credit limit on this card. I ALWAYS paid on time. One Friday, I made a payment, but it did not register, so I paid again as it usually registers automatically. On Monday, I was charged twice, so my bank had to do a stop payment. For this, Old Navy closed my account and gave me a late charge. They refused to reopen my account without a letter from my bank. My bank refused. It has been a terrible experience. Lesson learned. Never again.

My account was closed without notification. I used the card about 6 months ago and paid the balance off by the next statement. Never late. After emailing I was told it was for non-payment. I replied with the facts and then was told it was for inactivity. I replied again... I was told they re-ran my credit report and decided to close the account. My credit score didn't change - so I find this very interesting. I believe closed accounts appear negatively on credit reports so my attorney will be filing a dispute. I am curious to hear what their response will be this time. Possibly going out of business? It would make sense to close all accounts that owe nothing so no new charges were made... Possibly writing them off? So confusing and bad business. I will never shop with them - or any of their affiliates again.

I applied for an Old Navy card and received a lousy $200 limit. I've had the card for approximately one year. I have 9 other credit cards through Synchrony Bank and as I made a payment I got the message that said account has been closed to purchases! I did not realize that a payment had been returned from the bank due to bank error. There was no one to speak to about this or to try to reinstate the card. I was told that I could apply again. At this point I will never shop at Old Navy, Gap or Banana Republic. They should at least forewarn their customers that their accounts are in danger of being closed... Synchrony Bank is the worst!!!!

I have Old Navy and Gap for few months now. Both have a limit of 300$. Other Synchrony cards such as Walmart for 3500. Today I say enough of this limit. Online requested more on Gap and get a big fat 200$. Then try Old Navy thinking maybe another 200$ but instead declined. Get on phone to rep who by the way is in India. Pleaded cause which was soft pull. Granted 1,000. Go online to see if change was reflected. Change reflected Old Navy. Gap 200$. Disappeared. If it was not so pathetic it would be funny. Get on phone back to India. Someone else who says, “Wait for denial letter then call us.” I say denial? Do you understand I was granted 200$ on Gap and now it is gone. “Write us letter” he says. No thank you. I spent more than the card is worth trying to figure this out. I owe 95$. I will pay and cancel card. What a fiasco. If anyone request CLI over phone ask for soft pull and if granted keep your eyes on cash. Might disappeared if granted online.

Just adding on to everyone else's horrid experiences with Old Navy and Synchrony Bank. I was given runaround by online chat representative for 25 minutes, I asked many, many times to speak to a supervisor, because they charged me a late fee for purchases last month even though this was the first bill I'd received. I always pay my bill in full when I receive it, and ONLY have the credit card because I'm supposed to get discounts/deals if I use it. With no questions or arguments, the first online chat rep said they would credit me the late fee of $25. I told him I didn't want a credit, because that means I only get my money back by buying more from Old Navy; if this is the way they do business (which it clearly is based on so many others' experiences), I will not spend any more money there.

The only reason I opened this card is because my mom basically kept pushing for me to get it because we shop there often and would make paying more convenient. I was reluctant but I'm only 20 and this is my first ever credit card. To be honest, if I had just read this review prior I would most likely have shown this site to her. I've paid most of my monthly payments on time or ahead of time, but I just find it a bit frustrating but there's these stupid interest charges of almost $6 every month, and to me $6 can be so crucial as a student.

Synchrony Bank is holding erroneous "pending charges" for an indefinite amount of time which adversely affects your credit score. The customer service reps I spoke to today - Jasmine in the United States and Ryan in the Philippines - tried in earnest to play semantics with me, completely disregarding my concerns over the manner in which my credit score is being adversely affected because of Old Navy billing errors. Though the reps tried repeatedly to push the responsibility of the pending charges BACK onto Old Navy, as the card issuer Synchrony Bank has an obligation to address cardholder concerns and remove double charges or initiate the dispute charges as soon as Synchrony is notified that the amount reported on a statement is erroneous - regardless of whether or not the charge is pending or completed.

I have had an Old Navy card for a few years. I started with $300 limit. Then they bumped me up to $700. Within a month or so they lowered me to $500, no explanation. I just logged on to make this month's payment (due on 5/1) and they have lowered me to $250.00 (when they lower the credit limit it affects your credit score by now having high utilization. Owning over 50% of your balance). I have been 1 day late 1 time. I have always paid double the minimum due. I have 2 other cards with Synchrony with no issues. It doesn't make sense. When I contact Old Navy, they only refer me to a letter that I never got. I explained that I didn't get a letter only to be told to "REFER TO THE LETTER WE SENT YOU". This is a shame. Everyone I know will hear about this treatment.

Every time I call to pay my bill or update information your automated system is ridiculous. It can not understand what I am saying or vice versa so I end up having to talk to a representative. I try to update my account information today with a change of address and nobody could help me. I've done it before and it was easy and simple and today I was given the runaround. Ridiculous! I just updated my information for another credit card over the phone and it took me less than a minute to do. I don't understand why it was Old Navy. It is so difficult to get this done. Nobody seems to be able to help me but yet collected all my information including the new address, but still would not update the information. I will no longer be a customer at Old Navy after I get this outrageous card bill paid off, which by the way your interest rate is through the roof. Unreasonable!

I had a $900 limit with a $500 balance. Had NEVER been late with payments and out of the blue my credit limit was lowered to $200 without warning or explanation. I immediately paid the card off and have not shopped in their store or online since.

I used a card at Christmas that was suddenly no longer usable after the holidays even though the expire date was two years down the road. When my card was suddenly declined, I called Old Navy. They said I was using an old card that had been replaced and I should have gotten it in the mail. In fact, I had never received the new card. They offered no explanation and were rather rude and said, "Too bad, you have to wait 7-10 days for another card." Not sure if they are having security issues or what, but it is not good customer service. They need to be more courteous and give a clear explanation about why they reissue cards so frequently and unannounced.

Old Navy closed my account!!! I was making my payment & shopping regularly, then when I called customer care they didn't care about me. I was a good & loyal customer but now I'll never shop there again! I don't have nothing good to say about that company or card!

I'm writing this after a horrible experience last night. I've never had an issue with this card but last night/early this morning while trying to book a hotel overseas for my upcoming travel my card wouldn't go through. So I called, spoke to someone who didn't sound like they were overseas themselves, was able to verify recent purchases and she was able to allow my transaction to go through. Awesome!

They imposed fraud charges on my credit card of around 19$. I remember they replied - "opening the credit card was totally free at GREAT MALL, Milpitas". They never emailed about late payments. This also affected my credit score. Seriously, this card basically ruined my entire life in US. Please do not get it.

I had a Old Navy credit card for over year. Never paid late. Balance paid in full. They mysteriously closed my card which I embarrassingly found out when I was in the store. They told me it was due to my credit card score has dropped. What I find it odd is that the financial institution they use is Sympathy Bank who also sucks. I have another credit card from Walmart who also goes to Sympathy Bank which they gave me a credit increase. I trying to figure out if it's the same financial institution how did one increase and one decrease around the same time. I know why it's because I use the Walmart card often, and I only use the Old Navy 3 to 4 times a year. They should let people know ahead of time before it is close to your card. For what it's worth I wanted to get the card because of the promotion they had going on that year. Their clothes suck and I would never shop at Old Navy ever again. It's just bad business!!!

I enjoy shopping at Old Navy. I paid off my credit card in 2016. It was affecting my credit score so I brought it down for the time being. In January 2017 went to use it and it was canceled with notification whatsoever. My payments were on time.

Basically, re-instated her card, apologized for "any confusion" but reminded her that can decline it anytime. For some reason, Synchrony bank has a compulsion to periodically flex their muscles to customers.

Collections? I don't even have an account yet. They've been calling me at least twice a day for at least two months! I have never even set foot in an Old Navy store ever. Tried getting someone on the phone with no success either. :(

I had an Old Navy card.... Thought I STILL had an Old Navy, until I went to use in the store recently. I don't "make payments" on my credit cards, I pay them off - each and every month. Yet, for some unknown reason, my account had been closed.The clerk thought maybe it had been a while since I'd used it (it hadn't - less than 6 months). I went through the system at the counter to "re-activate" my card only to find out during refinancing my home a few weeks later, that what they had actually done was run my credit and open a new account. I've got an excellent credit score, but still took a hit because of this. Was it worth it? Nah...the % off and the $35 coupon weren't worth it. I'll keep it open for now (assuming they don't randomly close it again). But don't think I'll use it much as I get better cash back with my regular Visa card.

I hardly ever used my Old Navy credit card, maybe 3 times a year and always paid my balance off at the end of the month. Went to make a purchase today and my card was declined. I didn't take it too seriously. I called Old Navy credit card, and just assumed it was a mistake that could be quickly and easily corrected. To my surprise my account was closed in October. Wow! Zero advance notice. I was told it was due to my credit score. Funny how I was able to buy a car with zero money down and low interest, purchase a phone with zero deposits, and obtain additional revolving credit since October. Yet Old Navy has a problem with my score. The way they treat customers is disgusting. I will no longer shop at Old Navy or any affiliated stores and I will be informing everyone I know about my experience.

The worst credit card. They would affect your credit. Be smart and don't apply for old navy credit card. They will close your account without any notification or explanation and then your credit score will drop. They did it to me.

0 stars!!! I'm trying to rebuild my credit so I applied for this Old Navy card. I was only given a $200 limit but I was happy with that. After a few months I will received a letter saying they were decreasing my limit, die to my credit score, they lowered it to 100. I continue to make on-time payments, paid it off then my account was closed. Again because my credit score, they never told me they were going to keep running my credit score, it was never mentioned that they would be making these inquiries on my credit. I called them, they said it was a requirement to have a certain score. I explained I was rebuilding. They didn't care, they said nothing they could do, it was up to their discretion. I've stop shopping at Old Navy, if you can treat your loyal customers like this I want no part. Take your card and shove it!!!

If I could have given this credit card company no stars I would have. My credit line was decreased without a letter being sent out to notify me of this change, all because I have not used my card for a few months. I think this CEO can go rot for treating card holders this way. Their clothes suck and are not even good quality. It's sad that the consumers are the ones that suffer from a unprofessional lack of communication.

I've been having problems with my card Old Navy Credit Card since August 2016. My auto payments started being kicked back in August. I had auto payments set-up just in-case I forgot making a payment. So, in August I got a late payment and made a payment on my own over the computer and it went through. From then on our I was making payments every month on my own and they would go through but my auto was still getting denied. I didn't think it was that big of a deal and didn't understand what was going on. I called them and went over account info with them which was correct and they were a joke. They were still receiving hundreds of dollars in payments from me every month. They closed my acct due to lack of payment even though I made almost $500 payments in 2 months.

This company is horrible. I sent them a check for over 1800 from an escrow account. After several collection call messages left on my voice mail I realized something was wrong. After being on hold for what seemed like years I finally decided to use the chat online feature. I was told the check never arrived. After verifying with escrow the check was never cashed, I had the check canceled and a new one issued. I confirmed the address, got the new check and sent it that same day. Two weeks later the collection calls started again. Connected to chat and again was told the check never arrived. Unbelievable. They told me to fax over a request along with documentation. I won't hold my breath. After seeing all of the online complaints why is this company allowed to continue Operations?

Dropped my credit down for no reason. I was never late and always early in payments. However, I didn't use it every month nor did I max it out. Awful card, high rates, and TERRIBLE clothing. Overpriced and overrated.

I recently got married and lost my old navy card with all the stress and moving around. I requested a new one and they locked me out of my account online access. So I ended up missing a payment because everything I do is online. I do not request paper statements. I paid the $88.00 as soon as I received my new card and they LOWERED my credit limit back to 300.00 without notice. WORSE CARD EVER!!!

Two days ago I received a bill from Visa Old Navy from July 22nd. That day I paid with my bank debit card and opened but did not use the Old Navy card. When I called the Visa Old Navy that I was charged on their account that was not activated. The customer service stated that I would either have to fax or mail proof of the receipt from my debit card. When I asked about such an inconvenience for me as the customer to fax or mail them that they would offer a gift card, the customer service stated they could not do anything. Needless to say I closed the Old Navy Visa account and would not use. They already made a mistake of billing me when I already paid, what other mistakes would happen! #dontopenvisaoldnavyaccount

I signed up for an Old Navy card but I immediately regret it. I never used it, never activated my account and I still got some mysterious fees accrued on my account that I never got alerted of. You should only be charged if you actually activated your card in my opinion. I'm going to cancel it as soon as possible.

Started out with a good/excellent credit score. The Old Navy employee straight up lied to me in order to persuade me to open a card, and once I did and took a look at the receipt, called her out on it, wherein she back peddled and now I can't do anything about it. My credit score dropped TWENTY-NINE (29) points because of this one card. Paid it off, and will be canceling it immediately. The moron who opened it also put my Birthday in wrong, so I had to go through an entire BS process with corporate just to pay off my card.

I was approved for some credit and I purchased clothes. I waited on an invoice for months. There was no paperwork on how much to pay or anything. All of a sudden it goes to collections. Severely poor customer service.

Customer service. If you try to pay your Old Navy card online, it is the worst experience to try and pay your card. It's like they do not want you to pay your card so synchrony credit is responsible for their customer service which I feel they must hire the low-end of people. They are rude, disgusting, will not help you. I going to tear.

I opened an Old Navy card, paid on-time, more than the minimum. Six months after opening this card, Old Navy did a soft inquiry on my credit (without my knowledge or authorization). Unfortunately, a medical bill appeared during that time on my credit report, which made my score drop and based on this... Old Navy decreased my balance from $300 to $200. At the time, I had $125 charged on the card, so because of the decrease... my credit utilization was impacted and caused my score to drop even more. I was advised by Old Navy customer (who are very rude, I might add), that they base their credit increases and decreases solely on credit score, regardless of payment history. I continued to pay on time, until the next incident, where one month I wanted to make a payment, using two separate accounts, registered in my online profile.

They took out 125 and blamed it on me and said I would have to wait 20 days for reimbursement. I'm in freaking college. They screwed me over with bills. I owe my mother the 125 for covering me and then I owe a bill 175 and I'm diabetic and hypothyroid and can't get meds that are crucial. I'm actually in a crisis over this. Oh and let's not forget another 90 dollar bill. And I didn't get so much as an apology. The woman was rude and tried to blame me. And when I tried to pay my bill online it wouldn't log me in and so I called and then the automated system just booted me to a rep who tried to charge 30 for running my card. Once this is paid off I'm canceling the card and taking business elsewhere. They are actually putting my health at risk because they screwed up.

I love the Old Navy Credit card. I pay off my balance early every month and so I have never experienced any problems. The 5% rewards for future purchases are fabulous and there are many offers for additional discounts available when you use the card for Old Navy/Gap purchases that are not available to other customers. Plus with the new Navyist card, ALL orders have free 3-5 day shipping. No minimum purchase required. When I called one time to question why I hadn't had my rewards credited, the CSR doubled what I was owed and applied it immediately

I have had my Old Navy Credit card for a little over a year. I had an incident while trying to pay my bill. I had inadvertently put in the wrong routing number. I spoke with a CSR person and gave them my bank info again. I received an email stating that my payment had been returned. I called to straighten this out AGAIN for the 3rd day in a row. I was hung up on. Within a half an hour I received an auto dial call from another department letting me know that my payment was returned and that my payment was now late. I was furious.

When I set up my bill pay, I apparently typed one wrong number for my account information. I tried paying my bill 4 times and each time it never told me there was an issue, only that 'my bank declined the payment'. So a charge of $66 became $125. When I called Synchrony to see why my payments never processed, they said "I don't know, but you owe $125". After arguing that I've tried to pay the entire balance each time I was billed, including the late charges, that I will pay what I owed originally, right now, over the phone, he said, "well you already tried to pay the full amount of $125 anyway so what's it matter". Not realizing that I was talking to someone who has the world’s worst customer service, no remorse, and was so argumentative, I just hung up, paid off the card of DOUBLE my original purchase, and cut up my card. NEVER get an Old Navy Credit Card.

I made a purchase at Old Navy San Luis Obispo, CA. I was offered an "Old Navy discount card", and told it would bring my total down by twenty percent. I asked specifically if this would show up as an inquiry on my credit, because I am in the process of applying for a MORTGAGE LOAN, and don't want any new inquiries. She assured me it would NOT show up. After entering my information into the computer she said there appeared to be a problem, and she had to contact "headquarters". She handed me the phone, I spoke to a woman to "verify my identity", which I found odd. I was worried that someone had stolen my identity, causing this extra layer of "security", but now I know that they signed me up for the OLD NAVY CREDIT CARD.

Worst decision I have ever made! Do yourself a favor and do not be tricked into this. So if I make a payment of $60 (more than the minimum payment) a month, I still get charged an interest rate of $25, so then I'm basically never going to pay this off. I feel so unbelievably stupid for letting them get me with their "good deals". Going to cut up my card today!

Old Navy randomly closes my acct one day. After going through a horrible automated system, I finally reach a live human being. I ask them why they closed my acct. The csr agent just ignored my question. He tells me that I didn't pay last month. I give him the confirmation code, he states that this was returned. He said it was a bad acct. Again, I tell him, "well I pay all my other cards with this same acct and it is always processed. I've been paying on time for a year (since I opened this card) and nothing has been paid on my acct. It's still the same exact balance it has always been. I have not made a purchase on this acct for 10 months so I don't know where my payments are going." Customer agent ignores my request and just tells me he will reactivate the acct so I can pay online.

Signed up for an Old Navy Credit Card. Got it in the mail with an interest rate of 24.99%. As far as I am concerned that is highway robbery. I will not use this card. Interest rates are at an all time low. Note: We have excellent credit.

Rarely shopped at Old Navy and still really don't. Was tricked into applying for a credit card to "save" money and used it once. Waited to get my card so I could cancel it, but I never received it. Ever. After 3 months. Tried calling Customer Service and the horrible people were no help, explaining they had the wrong address and would resend it. Months go by, still don't get it. Get multiple calls from a number I can never call back because it tells me it's been disconnected. Now I get letters claiming I'm being moved to a debt collector. I never wanted the damn card in the first place and why would I use something I never got in the first place? Old Navy should be ashamed for tricking and having horrible customer service. Never shopping there again.

I had the actual purchase of $33 and some cents. We recently moved to Texas, and because of the postal service, the mail transfer was messed up and one of our neighbor received all our mail. They just gave us all the mail one day, and as I received, I saw Old Navy card and the interest they charged. I spoke to the Customer agent and they don't even want to understand the situation. I told them, "it's not my fault," but still they don't listen. Everyone will have bad experiences, but for some reason, this one I didn't like it. If it was my fault, I would have paid the interest, but if it's not my fault, why should I pay the interest? Other companies like Kohl's and Macy's understood the situation and helped me. But Old Navy didn't even want to listen and I ended up paying the interest.

I've been trying to settle a delinquent account for months, the collection (synchrony bank) agency used by Old Navy makes it impossible. The wait time to speak to the department that handles settlements is unbelievable. And you have to repeatedly say why you stop paying on the card, how will you be settling the account, and blah blah blah! It's so frustrating now they've charged my account off, and I could have paid the settlement months ago.This is so disturbing, please don't ever become delinquent or even get a card with these people. It's a trap, with every purchase they increase your limit by hundreds of dollars.

On March 18, 2015, I had a balance with old navy for $50.47. I got a new credit card with 0% interest on balance transfers for 6 months, so I transferred that, and a few other small balances. To date, they all were paid, EXCEPT this one. When I called the company to inquire, they nastily told me they never received the check from the bank. I said, oh really... Why is it that Victoria's secret, which is the same bank, different PO box, got, and processed their payments, along with Walmart and kohls? I will wait another few days. Oh, and they have the nerve to send me a new bill with interest charge on it... so if and when they ever get this payment, I STILL OWE THEM $1.81.

I was given OLD NAVY CREDIT CARD. It was great due to credit limit was like 6 grand. Then for payments I thought I would be able to do it in the store for the first time since it was like a walking distance from my house. The mall was like across the back of my house. I went there and they told me they do not accept payment and I got to do it Online payment. So I did online payment actually two times attempts online payment I did on 02/14/15 then 2nd attempts on 02/20/15 both was denied due to the reason of wrong routing numbers or whatever for 2x attempts. Come on, that don't make sense while my checkbook in front of me!! Instead of just paying a total payment of $106.77 as total balance, I ended up paying a total of $133. 85 on 2/25/15.

Have had this account over 2 yrs. and last used about 10 months ago. Always paid acct. in full. Recently Old Navy made a "hard" inquiry on my credit report causing my credit score to go down. I have to wait 2 years before it drops off. Closing this account immediately!

I went shopping at old navy. After a very long time on line, I get finally to the register. And trying to check out, I'm told one of my cards is declined, knowing I have 92$ left on my old navy card...still declined. The young lady (very nice and helpful) puts me on the phone with a customer service agent, very rude at that. This woman continues to tell me my payment is scheduled for the 19th. And I have a past due amount! So not true. And I can only pay by check over the phone, with a 10$ charge. No one was helpful at all. I will no longer hold this card. This is a shady company, and they do not care. I will continue to spread the word, as I have been told they are a horrible company.

I recently was browsing the Old Navy website to make a purchase during the black Friday weekend sale. Decided to check my account to make sure how much credit was available and it said I only had $35! I knew it couldn't be right since I had just paid it off. After checking my statement activity online there was a purchase of over $120 which I knew I had not made! After speaking with a representative which I could barely understand she told me what might have happened was when the cashier entered my reward number in the computer, she may have mixed up numbers resulting in a charge? I asked if this happens often and she said yes! And that she would file a dispute and the money should be returned in 30-60 days!!! Couldn't believe it. So there goes the holiday purchase and another old navy customer! As soon as this is settled I plan on canceling the card!

Today marks the end of my battle with the rude Old Navy Customer Service Lady, whom has been harassing me for months. I had Card Security Insurance on my card, and for the third, and final time they cancelled my balance due disability issues. I then cancelled the card after Card Security paid the balance in full. Card Security sometimes pays payments to Old Navy Visa late. This intern leaves a negative mark on the customer's credit report. I have tried for months to get past these vindictive telephone and credit analysts at Old Navy. I requested the one 30-day late on my report be removed. They said they only do that once as a courtesy, and refused to remove it.

It's not about inability to process payments on time, it's all...about interest. They hold our payments on purpose, the longer, the better for them. They accumulate thousands of dollars in interest each day, they hold your payment on a separate account. Should it be illegal? Well, I don't see how it could be, many companies do this. Old Navy just stretches it out way over the maximum time ... but they are such a large organization that even if you leave, it won't matter.

I applied for the card during summer, used it once, paid in full and I receive harassing phone calls at all times of day, 8am until evening. Messages are left. This is the worst experience with a credit card/company ever. My FICO is well over 800 and I pay my bills in full. I will cancel this card ASAP!

I’ve been an Old Navy and Banana Republic card holder for years. I always paid three times the minimum and also paid weekly to bring down my bill enabling myself to repurchase again with an open credit line. First time they closed my account after my extra payment bounced. Remember this is extra, extra money in addition to the triple minimum paid. So to me whether it cleared or not why did it matter. I was never ever late on my normally billed date. So after them agreeing it’s fair to reopen they did.

Today I had decided to request a new Old Navy for my wife of 47 years. We last used Old Navy in Nov 2004. After checking these issues out, I clearly remember why we stopped using this card. Poor communications from the company to the customer and late charges being unfairly accessed. I also remember the many times it took to correct issues with the company and GE Capital Finance.

This really should be zero considering that the card never showed up! I signed up for this card in December with an $8 charge. I ended up calling in January because I never received a card or a statement. They said they'd send another card and statement. Lo and behold, it's February and no card or statement. I called again and reaffirmed my address. They apologized, offered to get rid of the late fee and resend it all. Sounds good, right? Well, April comes along. I get a debt collection agency letter telling me I owe over $100 on an $8 charge when I haven't received a statement or a card. So I paid the minimum and they sent me over to GE Capital Finance. I'm told I have to wait three days because it’s referred to the credit agency.

I opened this in Dec. 2012. I got my first statement for $55 which was due on 1/19/13. I paid it on 12/29/2012. It did not post until 1/14/2013 after I called twice. I even asked the girl that day if that was my total balance and she said yes. Then, I got a bill on 2/24/12 with purchases that were returned. They didn't get charged back to me, but they stuck on another $25 late fee, showing the Dec. payment as being late. The next bill I got was due on 3/19/2013. I paid it on 2/11/ but again, it didn't post until 2/25, which incurred another $25 late fee.

I have several complaints about this credit card. First of all, I signed up by accident. I was asked if I wanted an Old Navy card, and I specifically asked if it was a credit card and was told that it wasn't. Well, when I got it, I ended up using it which brings me to my second complaint; the interest on this card is outrageous!

I constantly pay off my balance so that I keep my balance to zero; however, Old Navy Credit Card makes this very difficult. I don't know if this is legal, but here's my complaint:

I am very dissatisfied with Old Navy because my account was closed due to no activity without any prior communication. Instead, the representative stated that their policy was listed in their terms and conditions. However, I have not received any information from them, no letter, call or otherwise. While I understand and cannot disagree with their policy, I cannot agree with the administration of it. Their action can negatively impact my good credit history. Again, no communication stating they have noticed inactivity and would start the process if not contacted within a specified time.

I have only charged my card 3 or 4 times. Each time, I was contacted via phone about a past due statement and hit with late fees. I never received the statements in the mail or via email until after I had paid over the phone on a collection call. This is the only card I have ever had issues with, as I always pay on time. I was able to get them to refund the prior late fee but again this month I get another call and pay the late fee. Low and behold, 3 days after I pay over the phone, my statement appears in the mail! I closed the account today out of utter disgust with this practice.

Today, I went to Old Navy to make a purchase. To my surprise, my card was declined. I said, well that can't be!

I applied for an Old Navy credit card on their Web site. I wanted to use the card for my purchase to avoid shipping charges (a promotion at that time). I was told to call an 800 number to verify information after submitting the credit card application. After about 10 minutes I was finally transferred to the correct department. The person I spoke with had a heavy accent and was hard to understand. She asked for all of my information again, which I provided.

I was told I had to make a payment 26 days in advance to get it processed on time. I have been charged a late fee 3 times that my payment went out on time. I have never paid any other bills late in my life, so it goes to show you that they are purposely milking the consumer for all the money they can get. Either that or they need to hire competent people to process the payments. I cancelled my card because of this.

I recently received a phone call dealing with my Old Navy Credit Card account. I was informed that I had had not made a payment and I would receive another late fee. I later found out that I now have around $100's in late fees now on my account. I have not received a bill for my Old Navy account since 5/03/04, that is the last statement that I have received. I knew that I did not have much on my card so I figured that when I stopped receiving bills from you that it must have been paid off.

A while back my wife applied for an Old Navy Credit Card and purchased a few items of clothes with it. Like many Department store Cards there is a 10% discount on your first purchase. So My wife took advantage of this offer with no intention of ever really using the card again. We received the bill and we paid it on time. Then we recived a late charge indicating that we did not pay on time. However we did and our bill came back with just the 25 dollar late fee plus about 10 dollars that we had left to pay off the card (the bill included the deduction of our payment on time).

While shopping at Old Navy in may 2003 I apllied for the store credit card where you get 10% off your inital purchase. I was approved and used the card for my purchaes of ~60 dollars. They said I would recieve my credit card in the mail with the bill. I never got the card in the mail and never got a statement. If I had I would have paid it like I do every month other cards. I moved to a new address a few months later and had the post office forward my mail. I recieved all my bills except old navy.