Start My Answer

What Bank Owns Old Navy Credit Card?

Sarah Edwards | April 04, 2023

Sued for Old Navy credit card debt? SoloSuit can help you win.

Summary: Barclays Bank Delaware administers the Old Navy credit card program. It offers two cards: a retail store card and a Mastercard. SoloSuit explains how the Barclays Old Navy credit card program works.

If you’re like many Americans, you turn to Old Navy when you need new clothes. Old Navy is famous for its low prices on comfortable attire for the whole family. Customers can shop for shirts, jeans, dresses, and activewear in various styles and feel good knowing they aren’t overpaying for their purchases.

Loyal customers can apply for a Gap Inc. credit card, which clients can use at any store in the Gap family, including Old Navy, Banana Republic, Gap, and Athleta. Barclays Bank Delaware oversees the Old Navy credit card program and has two cards to choose from.

If you’re being sued for a debt from your Old Navy credit card, you can settle it for less with SoloSettle.

Settle with SoloSettle

Make an Offer

The basics of the Old Navy credit card program

Old Navy offers two credit cards that consumers can apply for. The Gap Inc. credit card is a retail store card that cardholders can use at any Old Navy, Gap, Banana Republic, or Athleta store. Clients can also use the card on the stores’ websites.

The Gap Inc. Mastercard includes the Mastercard logo, and clients can use the card at any store that accepts Mastercard.

The benefits of opening an Old Navy credit card include 30% off your first purchase and five loyalty points for every dollar spent at the Gap family of stores. Once a cardholder accumulates 100 points, they’ll earn a $1 reward they can use on future purchases. This means that a cardholder who spends $100 at Old Navy will accumulate $5 in rewards.

Do you need to validate your debt with Old Navy? Get started with SoloSuit’s Debt Validation template.

The drawbacks of an Old Navy credit card

While Old Navy credit cards can offer some savings to consumers who apply for them, they have a few disadvantages, such as high interest rates.

The Gap Inc. retail card and the Gap Inc. Mastercard have APRs of 30.49%, although interest rates vary depending on the current prime rate. Customers who hold the Gap Inc. Mastercard will incur interest of 30.49% on balance transfers and 31.49% on cash advances.

Consumers can avoid interest charges if they pay off their entire balance by the due date of their next bill. Otherwise, interest will apply.

Let’s consider an example.

Example: Jill decides to apply for the Gap Inc. retail card. She’s approved and buys $250 of clothing at Old Navy. Since this is her first purchase, she saves 30%, bringing her total to $175. She also earns 875 reward points, which entitle her to $8.75 toward future purchases. Jill’s minimum payment of $40 is due on October 1. She can’t afford to pay the balance, so she sends the minimum. She incurs additional interest fees, which offset nearly half of her rewards earnings.


To maximize the benefits of an Old Navy credit card, consumers should pay off their balance before their due date to avoid interest fees that eat into their savings.

What the BBB says about Barclays

Barclays administers credit card programs for many enterprises, including Lufthansa and the Carnival cruise line. The company has an A+ rating with the Better Business Bureau (BBB), the highest available.

However, Barclays is not free of customer complaints.

A customer cited a bad experience with Old Navy’s credit card program. She had an Old Navy card with another financial institution. When she attempted to use her Old Navy card at her local store, Old Navy said she didn’t have an account and needed to apply for a new card. However, when she attempted to apply, the company denied the application because she had an account on file. As a result, she lost out on the 30% discount and loyalty rewards.

Another client complained about late fees and improper payment application due to Old Navy’s switch from Synchrony to Barclays. The company’s mistakes damaged the client’s credit score and credit report.

Watch this video to learn how to write a Debt Validation Letter for your Old Navy credit card.

Be wary when signing up for an Old Navy credit card

Retail store cards like Old Navy’s can benefit consumers who regularly shop with them. However, they typically come with high interest rates that can wipe out consumer savings if the cardholder doesn’t pay the balance before the due date. Late payments can incur extra fees of up to $41.

If you apply for an Old Navy card, be realistic about your ability to pay off your balance. Carrying a balance with Old Navy is expensive and can damage your credit score.

Is Old Navy suing you for unpaid debt? Use SoloSuit’s Answer template to respond.

Settle your Old Navy credit card debt

Getting sued for debt sucks, but you still have options, even after a lawsuit is filed.

If you’ve been sued over a debt with Old Navy’s credit card, debt settlement may be your way out. Debt settlement is the process by which a debtor pays off a lump-sum portion of their debt in order to satisfy the obligation for good.

Debt collectors and creditors are often willing to work with debtors who cannot afford to pay off a debt in full. Beware that debt settlement can have a negative impact on your credit score, but nothing will hurt your credit worse than non-payment.

To settle a credit card debt, follow these three steps:

  1. Respond to your pending lawsuit with a written Answer.
  2. Send a settlement offer to start negotiations.
  3. Get the agreement in writing.

SoloSettle, powered by Solosuit, can help you with each step and more. To learn more about these three steps, check out this video:

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.



Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.


We have answers

Join our community of over 40,000 people.


You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now are are just look for support, we're here for you.


Get Started

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendants Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouses Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

Youre Drowning in Debt — Heres How to Swim

Help! Im Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Heres What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review

Do Debt Collectors Ever Give Up?

Can They Garnish Your Wages for Credit Card Debt?

How Often Do Credit Card Companies Sue for Non-Payment?

How Long Does a Judgement Last?

​​How Long Before a Creditor Can Garnish Wages?

How to Beat a Bill Collector in Court

Not sued yet?

Use our Debt Validation Letter.


Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.


Let's Do It

It only takes 15 minutes.

And 50% of our customers' cases have been dismissed in the past.


"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather



Get Started