Horrible Experience! I had a very bad experience with Barclaycard customer service. Barclaycard is not compatible with ebill through many banks which I was not aware of until my bank mentioned it so they had charge me late fee and top of it they had charge me another $30 for cashing a check that I specifically told them not to since my bank will be charging a fee for it but they did anyway and they were not willing to waive it. So I had to close the account/card. I don't think I would ever open another Old Navy credit card if they are still with Barclaycard. So as customers be careful when opening a card with Old Navy and if they have it through Barclaycard it's going to be very challenging to deal with them if you encounter any issues.