How to Pay Your Gap Credit Card Bill: A Step-by-Step Guide

Using a Gap credit card can help you save money and earn rewards on purchases. But remember to pay your bill on time every month to avoid late fees and interest charges. If you want to pay your Gap credit card bill online or by mail, this simple guide will show you how.

Overview of Gap Credit Cards

Gap Inc. offers two different credit cards – the GapCard and the Gap Good Rewards Card. Both are issued by Barclays Bank Delaware.

The GapCard is a store-only credit card that can be used for purchases at Gap Old Navy Banana Republic and other Gap Inc. stores. It has no annual fee.

The Gap Good Rewards Card is a Mastercard that can be used anywhere Mastercard is accepted, not just at Gap stores. It earns points on Gap brand purchases and also has no annual fee.

Checking Your Balance

The first step is knowing how much you owe on your Gap credit card. There are a couple ways to check your balance:

• Online account – Log into your online account at gap.barclaysus.com/servicing/home to view your current balance, past statements and payment history.

• Mobile app—Get the GapCard app for your phone to see your balance while you’re out and about.

• By phone – Call the number on the back of your card to speak with a customer service agent who can provide your current balance.

• On your statement – Your monthly statement will show your statement closing balance, which is the amount you need to pay.

Payment Options

Gap credit cards offer several ways to pay your bill each month:

Pay Online

Paying online through your online account is the quickest and easiest option. Here’s how:

1. Go to gap.barclaysus.com/servicing/home and log into your account.

2. Click on “Make a Payment” in the top menu bar.

3. Enter the payment amount and date. You can pay the minimum due, current balance or a custom amount.

4. Enter your debit card or checking account information.

5. Review the payment details and submit.

You’ll receive a confirmation email once your payment is submitted. The money should be in your account in one to two business days.

Pay by Phone

To pay by phone with a customer service agent:

1. Call the number on the back of your Gap credit card.

2. When prompted, select the “Make a Payment” option.

3. Tell the agent the amount you would like to pay.

4. Provide your debit card or checking account information.

5. An agent will process your payment and provide a confirmation number.

Pay by Mail

If you prefer to mail a check or money order:

1. Make your check or money order payable to “GapCard Services.”

2. Write your full account number on the payment.

3. Mail your payment to the address listed on your monthly statement.

4. Allow 5-7 days for the mailed payment to process.

Schedule Recurring Payments

You can set up monthly payments to come straight from your bank account, which is very convenient. Here’s how to set up recurring payments:

1. Log into your Gap online account.

2. Under “Payment Information,” choose “Auto Pay.”

3. Enter the bank account you want payments pulled from.

4. Pick a date each month for payments to be made.

5. Specify the amount – minimum payment, full balance or custom.

Once scheduled, payments will be automatically made each month on the date you selected. You can cancel or change auto pay at any time through your online account.

Payment Due Date

Your monthly payment is due on the date shown on your statement – usually around 3 weeks after the closing date. Payments received after 5pm on the due date are considered late.

If the due date falls on a weekend or holiday, your payment is due the next business day.

I recommend paying at least 3-5 days before the due date to ensure your payment arrives on time and avoid late fees.

Avoiding Late Fees

If your payment is not received by the due date, you may be charged a late fee, usually around $29 per late payment. Late payments can also lead to penalty APRs and hurt your credit.

To avoid late fees:

• Pay at least the minimum amount due by the due date each month.

• Pay online or by phone 3-5 days before the due date to ensure on-time delivery.

• Set up autopay to have payments made automatically each month.

• Update your billing address if you move so statements arrive on time.

Payment Allocation

When you make a payment, it will be applied in a specific order:

1. Late fees and interest charges
2. Balances with the highest interest rates
3. Balances with lower interest rates

If you have different types of balances like purchases and transfers, the payment will be split proportionally between them.

Making more than your minimum payment each month helps pay off higher rate balances faster. This saves on interest charges over time.

Ways to Avoid a High Balance

Here are some tips to keep your Gap credit card balance low each month:

• Pay your bill in full each month if possible. This avoids interest charges.

• Only use your card for planned purchases that fit your budget. Avoid impulsive spending.

• Take advantage of 0% intro APR offers on new purchases or balance transfers.

• Set up account alerts to monitor your spending and available credit.

• Build rewards over time instead of all at once to reduce large purchases.

• Consider paying weekly to better spread out your spending.

Get Gap Credit Card Support

If you ever have questions about your Gap credit card account, customer service agents are available 24/7:

• Call the toll-free number on the back of your credit card.

• Chat with an agent through your online account.

• Tweet @AskGapCard for assistance.

• Direct message GapCard on Facebook Messenger.

The GapCard app also has convenient card management features like locking your card when not in use and receiving customized spending notifications.