Barclays has taken over GAP credit card from Commenity bank which was the worst thing that Old Navy or Gap or Banana Republic could have ever done !! The people who answer the phones are inept, inefficient and the absolute worse when trying to resolve an issue , they only allow checking account payments not even allowed to pay with a debit card, it takes 7 days for your payment to post after it has cleared your bank !! I will be closing this account as it is no longer necessary to deal with this kind of frustration in life just to make a payment and then not have access to the payment for 7 days !!