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Gap Compliment - Gap Credit Card SUCKS! - Credit card
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Let me preface this with the fact that I am over the age of 40, live a responsible life, I am very responsible with my credit cards, and always pay my gap card off. I only use it to get the percentage off.
So, I had a $40 balance a month or so ago, and decided to pay my account off online. I pay for many of my bills online and I am not a computer novice, so I know how to pay bills online. I never rec'd anything saying the charge did not go through, and since I thought I was finished, I logged off.
The next month I get my statement saying that my check was returned and was charged many different charges to rectify this. My $40 bill was now $116. I knew I would get no where with customer service because I had called and complained about another incident and I got absolutely no where, so I decided to pay the bill, by mail and earlier then stated on the due date.
Yesterday, two weeks before my bill was even due, I rec'd a note from a collection bank saying they had contacted me many times about this and that this bill needed to be paid in full. HELLO?? I quickly went to my wallet, took out my Gap card and cut that little sucker up as quickly as I could.
I would be very careful before you take on a Gap card... I will never have one again.
So, I had a $40 balance a month or so ago, and decided to pay my account off online. I pay for many of my bills online and I am not a computer novice, so I know how to pay bills online. I never rec'd anything saying the charge did not go through, and since I thought I was finished, I logged off.
The next month I get my statement saying that my check was returned and was charged many different charges to rectify this. My $40 bill was now $116. I knew I would get no where with customer service because I had called and complained about another incident and I got absolutely no where, so I decided to pay the bill, by mail and earlier then stated on the due date.
Yesterday, two weeks before my bill was even due, I rec'd a note from a collection bank saying they had contacted me many times about this and that this bill needed to be paid in full. HELLO?? I quickly went to my wallet, took out my Gap card and cut that little sucker up as quickly as I could.
I would be very careful before you take on a Gap card... I will never have one again.
Comments:
Posted by bearkatkitten on 2009-11-18:
"I never rec'd anything saying the charge did not go through, and since I thought I was finished, I logged off."
Did you not happen to notice that $40 dollars wasn't taken out of your checking account?
Did you not happen to notice that $40 dollars wasn't taken out of your checking account?
Posted by JR in Orlando on 2009-11-18:
I like the part where she talks about being responsible and always paying the card off, but then states that in the past: "I had called and complained about another incident and I got absolutely no where." That implies this incident was not the first time she had payment problems.
I pay my bills by check through the mail, as soon as they come in. I keep a log and 7 days after I mail the payment, I call the credit card company and check whether it is received (this is before due date). Since I only have a couple of cards (business & personal), this takes like 5 minutes.
I pay my bills by check through the mail, as soon as they come in. I keep a log and 7 days after I mail the payment, I call the credit card company and check whether it is received (this is before due date). Since I only have a couple of cards (business & personal), this takes like 5 minutes.
Posted by LadyScot on 2009-11-18:
Cut up the card for an error it sounds like you made? Why would you cut your nose off to spite your face?
Posted by Stew on 2009-11-18:
How is tearing up a gap card that charges you $76 bucks in fees on a $40 balance cutting your nose off to spite your face? Tearing the card up sounds like a very wise thing to me.
Posted by LadyScot on 2009-11-18:
Stew, not having the card in the first place is smart. But come on. The first sign of trouble she cuts the card up? Well, now she can no longer buy Gap on credit.
Posted by Stew on 2009-11-18:
Wouldn't that be a good thing, LadyScot?
Posted by LadyScot on 2009-11-18:
Yes, it would be for me. BUT...the OP is complaining about Gap, which means she at least WANTED and liked the card. Now in a fit of anger, she no longer has it.
Posted by idoni808 on 2009-11-20:
Well, bearkatkitten... I don't watch my checking account after each transaction, and since it was in the middle of the month, I didn't get my statement until after all this took place. My mistake, I thought since I pay my bank card, my electric bill, my phone bill, and my mortgage online with no problem... this would be the same.
JR... the other incident I called about was not a payment problem, you assume too much here. It was about a return.
LadyScot... I cut up the card because I don't want any more fees, I will use my reliable bank card with a much lower apr, and the I have no problem paying online with.
JR... the other incident I called about was not a payment problem, you assume too much here. It was about a return.
LadyScot... I cut up the card because I don't want any more fees, I will use my reliable bank card with a much lower apr, and the I have no problem paying online with.
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