I never open store cards, but did on the good faith that Gap was a legit company. I should have closed it right away seeing that when I wanted a GapCard, I was given a GapVisa Card instead. I called in to downgrade the card from GapVisa to Gap, and was told it was taken care of.
I receive a GapVisa card in the mail, and a GapVisa statement for 0.00. Knowing that I had a balance of $15.25, I went ahead and made a payment of 15.25 assuming that the charge would show up in the future.
Fast forward to two months later, I am now inundated with bills and calls from GM saying I have an issue with my account. I receive a statement for a SECOND GapCard account with a late fee and finance charge. Apparently instead of transferring, Gap gave me a second account without sending me a plastic card or statement of confirmation.
I call Gap Credit Services TWICE, get a call center in whoknowswhere (at least they spoke decent english), and both times the issue is "resolved" but somehow this is the first credit company I've worked with that doesn't give confirmation numbers.
STILL, today, I receive another GM message on my phone, stating there's an issue with my account, so I call in and finally speak to someone in AMERICA who says nothing has happened with my account and that it's overdue. I explain the situation to her about the two accounts being opened in my name and she understands my frustrations and takes care of it, but says that I must wait to receive a check in the mail before any payments can be made.
So I'm waiting. I refuse to post any payment to my account until I receive a check in hand. However, considering this is my third call to GEMB, I have really no faith in their ability to do their job correctly.
BUYER BEWARE --- don't open GAP store cards UNLESS YOU ABSOLUTELY HAVE TO.