Old Navy Credit Card

I started out with the Old Navy store card a little over 2 years ago with a $500 credit limit. Would buy some clothes then pay off over 2/3months at a time, then buy more clothes.  CL quickly raised to $900, then about 9months ago I logged in to pay my bill and the system told me I was eligible to update to Old Navy Visa card, and that i'd get $20 in Old Navy Coupons for accepting the offer.  I accepted and received ON Visa with $2500 limit. Rewards are excellent also.

I was just approved for this card. Credit Karma score of 651. Got a credit limit of $200. I love the coupons and rewards which I can use to provide clothes for myself and two kids. Will come in handy! Thanks Credit Karma and Old Navy!

I got this card with a score of 635 on kredit karma and my cl is 300. I am surprised by the fact that they are available 24/7 and the reps speak english!! That in itself these days is a rarity! I had to call customer service because looking at my receipt I noticed the cashier did not add my discount and there was no way I was driving 30 miuntes back to the store. The rep handled it ASAP and applied my discount over the phone. I have not gotten a statement yet but so far I am VERY pleased with their customer service . Hope this helps

my credit score was around 560 - 590 and was approved for $300 in store about 3 months later they increased my limit another $100

I applied for this card around the mid week of August 2013. I was instantly approved for $210 - My credit score at the time was 590. My CS is now 675. I have alot of student loan debt as well as an auto loan in addition to tons of inquries. To make a long story short, the colorful card came in the mail and I used it in my ON local store. I spend no more than $20 each month at the store (Clearance). My credit limit was increased. My CL is now $1000.00. I DIDN'T ASKED FOR AN INCREASE!!! If you don't have the best credit score, consider having a low limit  card as being on probation. Spend a small amount on the card and PIF at the end of the month. By doing so, you are showing GERCB that you are responsible.  

I pay off my balance every month ( when I have one), but you have to watch the date due as they may change it without notifying you other than on the actual bill.  I have also found it very inconvenient that they do not accept payments in their stores.  On line bill pay has worked well, unless they change the due date. 

I got the old navy card after a sales pitch at the cashier. I was a student them and didn't have very good credit then and did not know anything about hard pulls etc. I just tried it and at the time my only credit card was an extension of my sister's who had much better credit. I was instantly approved with a $3000 CL (which I didn't know was huge). I've used it as my main card since then for outside purchases. I get points whenever I use the card anywhere and the points can be redeemed at any of their stores (gap, old navy, banana republic). I think its 5 points every $500. 

What I don't like is the lack of autopay in their system. But customer service is quite good. I was on vacation and had limited internet access so I was late in my payment. I called them and they waived the late fee and I wasn't reported as delinquent in my credit history. Just be nice to them. You don't need to be shrewish to get the late fee waived. 

I applied online to save myself the embarrassment of getting declined in store, but to my surprise I was approved for 300.00!  Yay!  Only downfall is you can not pay your bill in store.  You have to pay online or over the phone with a checking or saving account.  The company that services this card GE also services Walmart and Belk credit cards.  So chances are if your approved for this card you will also be approved for those.

All,

During the holiday season i applied for a Gap car, However, during this time they were havng computer issues. So, I applied over the internet and was instantly approved for 200.00 then a bour a week later two cards shown up in the mail. One car limit is 200 the other is 400.00. Also, during this time gap was offering an additional 40 percent off if youy applied for the card. I applied and recieved that one also. All cards have a zero balance now. Credit score at that time was 656.  

I have had a Old Navy credit card for several years and always paid my bill after leaving the store. This fall I became sick for a couple weeks and completely forgot about my $40 purchase I made beginging in October. I never once received a bill, email or phone call. I was going to do Christmas shopping and found out my $40 bill turned into over $130 with a $25 late fee, and two $35 late fees. I tried calling twice and have been hung up on twice. Stay away! If I had received at least one bill I would have paid it but they never tried to contact me over the past several months.