Gap Credit Card

Approval Odds

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1.6 out of 5 stars
11 Reviews

From Cardholders in the last year

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Application Process

4 out of 5 stars

Customer Service

2 out of 5 stars

1.5 5

These reviews were written by current and former cardholders in the last year.

Mar 19, 2017
The worst credit I have ever had!
Anonymous Cardholder

The worst credit I have ever had!

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Feb 28, 2017
Bad Card
Anonymous Cardholder

I was in good standing with this company and when I made a purchase it was declined due to the amount.  When I called them they said I needed a code and it would take 7 to 10 days for it to come by mail, they couldn't give it to me over the phone.  They blocked me from my account until I received the code.  When I called to complain they said there was nothing they could do.  Goodbye GAP Visa.

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Feb 23, 2017
Anonymous Cardholder

They are constantly sending me new cards making it impossible to redeem my GAP rewards (the whole reason for even having this credit card).  Try Chase Freedom Unlimited.

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Feb 08, 2017
They do not know what is going on
Anonymous Cardholder

I paid this and closed the account. Now they "have no record of this." I was turned into collections and they can't even reference what that was for. I've been on the phone an hour and a half and they say "well we can't see all the account activity so you will need to call back." I've talked to 5 different people and none of them now what's going on. I will never get a gap card again or trust them with any of my personal information. This is an absolute scam!

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Dec 04, 2016
Have 3,000 in credit limit.
Anonymous Cardholder

They lower my credit limit from 3,000 to 590 for no reason, stay away.

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Sep 07, 2016
Not good at all
Anonymous Cardholder

I had this card and paid it very well .and a mistake with my bank when I paid my bill on line the bank stop he payment gap closed my account what ever I charged I would pay it off in full I tryed to get it open and they said it could not be open again I can try for a new account 

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Aug 23, 2016
JessicaRW1 Cardholder

theyll approve anyone and give you a high credit line and if for any reason you have issues with other cards or are down in your luck, theyll lower your limit and it looks HORRIBLE ABSOLUTELY HORRIBLE on your report.  ALSO, the gap phone automated system is hands down the most annoying line you will ever call.  I had a line for 3000 and spent it, would make payments of $800 when I did and got like 5$ off.  NOT WORTH IT gets a macys card or something.

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Aug 17, 2016
Terrible because there not GE
Anonymous Cardholder

I had received this card as a lower interest rate at first . Then they have sent me three cards now. Since I now have upgraded to there visa silver 

I have had problems . The bank has also changed hands and will say this one is terrible . I also have a old navy card and I am paying that one off after 

this one . Since banks hands have change I will pay this one off as well . (1) I keep,paying it down and there constantly lowering my line of credit ! (2) the interest 

rate is notriousious ! (3) I like gap and that is what I use it for so I will never use them again as long as this bank has this account !! 

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Aug 14, 2016
Gap Store Card ---> Gap Visa
Anonymous Cardholder

A while back I applied for a Gap credit card not expecting to be approved, was approved with a $300 credit limit. I had that for about a year and then I asked for a credit limit increase and it was bumped up from $300 to $900. Since being approved initially I have been pretty good with usage and always paid on time. Just about a month ago I got a letter saying I was being upgraded to the Gap Visa card. After receiving the card last weekend I activated it, somewhat excited to have it, during the activation process it asked my income and then told me my new credit limit was $5,500! I was so shocked! 

The card is pretty great as long as you don't need to call for customer service because they are all foreign and very hard to understand, with no option for a US agent.

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Jul 27, 2016
Anonymous Cardholder

I had this card and paid my balance off in 2015 and thought it was closed. I got a collection letter from a credit agency wanting my full balance of $307.00. Knowing I paid it, I pulled up my bank statements and noticed I actually over paid Gap by $26. Not only will I never see that refund, I'm fighting a credit agency for the full $307. When I called Gap they have no record of my payments because they conviently closed out my account when they sold it off. So Gap got paid twice. Once from me and another time from a creditor buying my account. I just wanted to add I had this card for years before they screwed me over. If you use them, just make sure you check your account closely and keep all evidence of your payments. 

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Gap Credit Card