HORRIBLE! I bought a shirt for $25 on my new Old Navy CC. The first bill was delayed in the mail (around Christmas when the USPS was bogged down and slow). I paid the $25 and asked that the later fee be waived. THEY SAID IT WOULD BE WAIVED. I proceeded to get 7 months of bills charging me late fees for the late fee that was supposed to be waived. I spoke with Customer "Service" numerouns times and every time they were very nice and said the fees would be waived. Finally they waived $164 of late fees (for not paying the original late fee that was supposed to be waived). I finally gave in and paid $52.75 (the latest late fee and interest) because I did not have the energy to argue any more. DO NOT GET AN OLD NAVY CREDIT CARD OR ANY CREDIT CARD FROM BARCLAYS.