Oct 30, 2023 · “ONDC” is a credit-report code for an Old Navy Discover Card Credit Card. It’s often accompanied by “SYNCB” (e.g. “SYNCB/ONDC”), denoting the card’s issuer, Synchrony Bank. So if you have an Old Navy Credit Card, that is why “ONDC” is listed on your credit report. This shouldn’t be the case if you applied recently, however.