Make Paying Your Gap Credit Card Bill a Breeze with These Tips

Paying your credit card bill on time each month is crucial for maintaining a good credit score and avoiding late fees. But for some, keeping up with monthly payments can be a challenge. If you have a Gap credit card, you may wonder what the best way is to pay your bill and avoid issues. Not to worry – this article will provide tips to make paying your Gap credit card bill a breeze.

How to Pay Your Gap Credit Card Bill

There are a few ways you can pay your Gap credit card bill each month:

  • Online – The easiest way is to set up automatic payments or pay online through your Gap credit card account. You can pay directly from your bank account with no fees. Log in at to access your account.

  • By phone – Call the number on the back of your card (1-888-232-0780) to pay with a service representative

  • By mail – Send a check or money order to the payment address listed on your statement. Be sure to include your payment stub.

  • In person – Take your payment to a Gap store location during business hours, Let an associate know you need to make a credit card payment

I recommend setting up automatic monthly payments if possible so you never forget and avoid late fees!

When is Your Gap Credit Card Payment Due?

Gap credit card payments are due on the same day each month, which is shown on your monthly statement.

Your due date is typically 3 weeks after the end of each billing cycle. For example, if your billing cycle ends on the 15th of the month, your payment will be due on the 5th of the following month.

Be sure to pay your balance in full by the due date to avoid interest charges. Even if you can’t pay in full, make at least the minimum payment to avoid a late fee.

How Much is the Gap Credit Card Late Fee?

If you miss your credit card payment due date, the Gap credit card late fee is up to $40.

To avoid late fees, I recommend signing up for autopay so your balance is paid automatically each month. Or set reminders to pay your bill early.

What is the Gap Credit Card Interest Rate?

The purchase APR for the Gap Credit Card is a variable rate of 29.99% based on the Prime Rate. This means your interest rate can fluctuate over time.

The current rate as of June 2024 is 29.99% APR for new purchases and balance transfers. Cash advance APR is also 29.99%.

To avoid interest charges, pay your balance in full each month if possible. Even small purchases can add up quickly with the nearly 30% APR!

Can You Pay Your Gap Card Bill Online?

Yes, paying your Gap credit card bill online is easy and convenient. Simply log into your account at to access your account dashboard.

From there, you can view your balance, review past statements, and click “Make Payment” to pay your bill.

You’ll need to enter your bank account information or check routing number. Payments usually process within 1-2 business days.

Do Gap Credit Cards Offer Autopay?

The good news is Gap credit cards do offer autopay options to have your bill paid automatically each month.

To set up autopay, log into your Gap account and click on “Auto Pay Settings.” Choose the amount to pay each month – you can do the minimum, a fixed amount, or the full balance.

Autopay gives peace of mind that your payment is never late. Just be sure the payment date works with your pay schedule.

Can You Pay at Gap Store Locations?

Yes, Gap credit card payments can be made at any Gap, Old Navy, Banana Republic or Athleta store location.

To pay your bill in person, just bring your payment stub from your monthly statement to the register. Let the associate know you need to make a credit card payment and they will process it for you.

Payments made at the store are usually credited to your account the next business day.

What Happens If You Miss a Gap Credit Card Payment?

Missing credit card payments can damage your credit score and lead to penalties like late fees, interest charges, and increased APRs.

If you miss a Gap card payment, here’s what happens:

  • You will be charged a late fee of up to $40
  • Your APR may be increased to a penalty rate
  • You will accumulate interest charges on your balance
  • Your credit score will start to drop

To get back on track, make at least the minimum payment as soon as possible and try to pay on time going forward. You can call Gap customer service to see if any late fees can be waived.

Tips for Paying Your Gap Card Bill on Time

Paying your credit card bill by the due date is crucial. Here are some tips to help:

  • Set payment reminders in your calendar for a week before your due date.
  • Sign up for autopay or recurring automatic payments.
  • Review statements carefully and report any discrepancies.
  • Pay more than the minimum when possible to lower debt faster.
  • Contact Gap with payment questions or issues right away.
  • Review payment confirmation emails to ensure payments go through.

Staying on top of your Gap credit card payments takes some effort, but it’s worth it to avoid damage to your credit. Use these bill pay tips to make it easy and painless!

Bill Pay Gap Credit Card

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Old Navy Credit Card Review 2024 (+ Gap Credit Card & Banana Republic Credit Card & Athleta Card Too

How do I make a gap payment?

Write a check or money order for at least the minimum payment due. Include the payment with the payment coupon from your billing statement, or note the account number on the check. Regardless of which Gap card you have — the Gap Good Rewards card or Gap Good Rewards Mastercard — you can mail your payment to either of the following addresses.

When does a gap good rewards credit card discount expire?

Your new credit card must be used as the sole payment type. Discount code expires at 11:59 p.m. PT fourteen (14) days from date of Account opening. Open a new Gap Good Rewards Credit Card or Gap Good Rewards Mastercard ® Account to receive a 20% discount on your first purchase.

Should you get a gap credit card?

Shoppers who frequent Gap or any of its sister stores can benefit from getting a Gap credit card. Not only do you get extra time to pay for purchases, but you can also reap rewards by using the Gap Good Rewards card or Gap Good Rewards Mastercard issued by Barclays.

How do I set up a gap credit card?

Here’s how: Go to the login page for Gap credit cards issued by Barclays. Click “Set up online account.” Enter the last four digits of your Social Security number, your account number and your current occupation to verify your identity. Click “Continue” and follow the prompts to register your account.

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