Learning how to get an Old Navy credit card is not difficult as long as you know the correct steps to take. You need to be aware of the Old Navy credit card terms and condition to make sure that you will be able to afford the possible fees and charges that come along with owning the card. Besides this there are many more aspects to consider when obtaining an Old Navy credit card.

The first Old Navy store was opened in 1994 in Colma, Calfornia. The store was officially named after a Parisian bar. Just like Banana Republic, Peperlime, and Athleta, Old Navy is a subsidiary of The Gap, Inc. Over the years Old Navy encountered some distribution problems, but kept expanding regardless. Today there are about 850 Old Navy stores in the United States and Canada. Old Navy caters to men, women, children and infants. The merchandise includes affordable clothing, shoes, accessories, sleepwear, swimwear and much more. You can even find plus sizes online and certain Old Navy stores also sell maternity clothing.http://oldnavy.gap.com/browse/division.do?cid=5360&mlink=5151,1670248,tn_women&clink=1670248 http://www.fundinguniverse.com/company-histories/Old-Navy-Inc-Company-History.html

Credit cards come in handy when you don't have the money readily available to purchase certain items. Besides this, owning a credit card is a great way to establish and build up your credit. If you regularly pay your credit card off within the allowed time, you will establish a good credit history.

Old Navy offers two different credit cards. There is the Old Navy card and the Old Navy Visa card. On this page you will find detailed information about these cards and the requirements you need to meet in order to apply for one. You will find information on the various ways to apply for the Old Navy card and on the many benefits that come with ownership of the card. Hopefully this page will answer some of the questions you have regarding the Old Navy credit card.

REQUIREMENTS: The first thing you need to do when applying for a credit card is to see if you meet the requirements that the issuing bank has set. In this case, the bank in question is GE Money Bank. To apply for an Old Navy Card or and Old Navy Visa card:

• ■ you have to be a U.S. resident.
• ■ you have to have a U.S. issued Social Security number.
• ■ you have to be 18 years of age or older.
• ■ you have to have a U.S. address (no PO Box).
• ■ you can have no bankruptcies in your credit history .
• ■ you cannot have been declined credit by GE Money Bank within the last 6 months.https://www.onlinecreditcenter2.com/eapplygen2/load.do?cHash=1512414122&subActionId=1000

HOW TO APPLY: You can apply for the Old Navy Card or Old Navy Visa Card in person at Old Navy stores or on the Old Navy website. If you apply online or in person you can be instantly approved or declined. If you are approved your card will be mailed to you and if you are declined you will receive a letter explaining why. When you apply for an Old Navy Credit Card you automatically will first be considered for the Old Navy Visa Card. If this isn't approved, you will be considered for a regular Old Navy Credit Card.

INFORMATION REQUESTED: When filling out the credit card application there is certain information requested from you. This information will all be kept confidential. You will be asked to disclose:

• ■ your full name, address and phone number
• ■ your email address
• ■ your annual income
• ■ how long you've lived at your current address
• ■ your date of birth
• ■ your social security number
• ■ your driver's license number & expiration
• ■ your mother's maiden namehttps://www.onlinecreditcenter2.com/eapplygen2/load.do?cHash=1512414122&subActionId=1000

If needed additional identifying documents may be requested from you during the approval process.

Now that you know what the requirements are, you need to see which cards Old Navy has available and which one is better for you. Often store credit cards come with very tempting benefits that persuade customers to sign up for them. Following you will find a summary of the two available cards and their benefits.

THE OLD NAVY CARD:

• ■ For every dollar spend at Old Navy, Peperlime, Gap, Athleta and Banana Republic stores you get 5 reward points.
• ■ When you reach 1,000 points you get a $10 rewards card.
• ■ Special birthday savings.
• ■ Exclusive offers and promotions.
• ■ Free online shipping if you order is over $100 (restrictions apply)
• ■ A one time reward of 1500 points for signing up for email and voice message updates.
• ■ Online account management.
• ■ A 10 percent discount for the first purchase made after credit card approval.http://oldnavy.gap.com/customerService/info.do?cid=44689&mlink=5151,1396576,5&clink=1396576#

THE OLD NAVY VISA CARD:

• ■ For every dollar spend at Old Navy, Peperlime, Gap, Athleta and Banana Republic stores you get 5 reward points.
• ■ For all purchases made with your visa card you get 1 reward point per dollar spend. This can be for everyday expenses at restaurants, grocery stores, gas stations and all other Visa accepting merchants.
• ■ Exclusive offers and a bonus on your birthday.
• ■ Access to sneak previews and special offers.
• ■ Accepted worldwide.
• ■ You get 10 percent of your first purchase after credit card approval.

Every credit card comes with certain terms and conditions that the person applying has to agree with. If you don't agree with these terms, you cannot apply for the credit card. Old Navy has terms and conditions for their cards also. Before agreeing to apply for a card, it's best to read through the entire application so you know what you can expect upon approval. The following terms and conditions apply for Old Navy cards:

THE OLD NAVY CARD:

1. Annual Percentage Rate (APR): 23.99%.
2. Minimum finance charge: $1.00.
3. Late payment fee: $0 - $39 depending on amount of balance.
4. Returned payment fee: $29.https://chb.onlinecreditcenter6.com/consumereApply/Internet/oldnavy/en/js/TermsConditions.htm

THE OLD NAVY VISA CARD: Annual Percentage Rate for cash advances: 23.24%.

1. Minimum finance charge: $1.50
2. Annual fee: $0.
3. Late payment fee: $0 - $39 depending on balance.
4. Balance transfer fee: $5 or 3% of the amount of the transfer.
5. Cash advance fee: $10.00 or 3% of the amount of the advance.
6. Returned payment fee: $29.
7. Over limit fee: $29.https://chb.onlinecreditcenter6.com/consumereApply/Internet/oldnavy/en/js/TermsConditions.htm

GIFT CARDS: Besides credit cards, Old Navy also sells gift cards in the stores and online. There are gift cards that can only be used in Old Navy stores and there is a special gift card named 'the Options gift card' that can be used in all Gap, Inc. affiliated stores. Gift cards can be for anywhere from $5 - $100.http://oldnavy.gap.com/browse/info.do?cid=35433&mlink=5151,1396576,10&clink=1396576