Brand header
Gap
   
Paying Your Bills
Registration and Login Questions
Interest Charges and Late Fees
Updating Contact Information
Authorized Users
Credit Bureau
Credit Line Increase
Lost or Stolen
Download to Quicken or Money
Security Information
Technical Help
Browser Requirements
Web Page Issues
Contact Us
   
 
Payments (back to top)

Can I make payments at a Gap store?
What methods of payment can I use to pay my bill?
Where do I send my payments?
What information will I need to make a payment online?
Where can I find my checking account number and bank routing number?
Can I make a payment immediately after enrolling?
What amount(s) can I pay online?
How long does it take for an online payment to post to my account?
How can I find the status of my online payment?
What should I do if my payment has not been posted?
A payment posted on my Account was in error.
Can I place a stop payment on an online payment?
Can I get my payment due date changed?
 
Can I make payments at an Gap store? (back to top)
Unfortunately we can not accept payments in store at this time.
 
What methods of payment can I use to pay my bill? (back to top)
Payments can be made free of charge online or sent via the mail. For a $10 service charge, we can also accept a payment over the phone. We accept checks drawn on U.S. financial institutions, money orders, or electronic payments. Gift certificates and other credit cards are not accepted as a form of payment. You can send your payments to the following address:

Gap/GECRB
PO Box 530942
Atlanta, GA 30353-0942
Make checks payable to: Gap
 
Where do I send my payments? (back to top)
You can send your payments to the following address:

Gap/GECRB
PO Box 530942
Atlanta, GA 30353-0942

Make checks payable to: Gap
 
What information will I need to make a payment online? (back to top)
You need to have a valid checking account from a U.S. financial institution and the following information:
  • Bank name
  • Checking account number
  • Bank routing number
 
Where can I find my checking account number and bank routing number? (back to top)
You can find this information on the bottom of your check. To see an example of this select Pay Your Bill option from the main menu and then the Add a Bank option.
 
Can I make a payment immediately after enrolling? (back to top)
Yes. You can make a payment provided it is not greater than your current balance.
 
What amount(s) can I pay online? (back to top)
You may choose one of the following four options when paying your bill online:

1. Total Minimum Payment Due - amount you must pay in order to avoid a late payment fee
2. Last Statement Balance - balance reflected in your previous statement (previous balance minus payments and adjustments plus transactions and interest charges)
3. Current Balance - all transactions since your last statement
4.Other - any amount up to your current balance
 
How long does it take for an online payment to post to my account? (back to top)
An online payment will post to your account within 72 hours from the day you initiate your payment.
 
How can I find the status of my e-Payment? (back to top)
To find out the status of your online Payment, click Pay Your Bill and select the Payment History radio button option.
 
What should I do if my payment has not been posted? (back to top)
If your payment was made by mail please allow 7-10 days from the mailing date for your payment to be processed. For first time online payments, please allow 5-7 days to verify your bank information and process your payment. For subsequent online payments, please allow 72 hours to post your payment. If your check has been cashed and it is not showing as posted, please mail a copy of the check, front and back, to the following address:

Gap Card Services
PO Box 965003
Orlando, FL 32896-5003

If your payment was made electronically, please check with your electronic payment provider, they will advise you on what to do next.
 
Payment posted on my account was in error (back to top)
If your statement shows that your payment was received, but it is for a different amount than you sent, please accept our apology for any inconvenience this may cause. In order to correct any difference in the amount that should have been credited, please send bank verification to the following address:

Gap Card Services
PO Box 965006
Orlando, FL 32896-5006

The verification should show the difference charged to your Account. Upon receipt of this information, we will give this matter our immediate attention.
 
Can I place a stop payment on an e-Payment? (back to top)
Yes, but only if your online payment is pending or has not been processed.
 
Can I get my payment due date changed? (back to top)
At this time, our billing process is unable to accommodate changes to the due date assigned to individual Accounts. The specific due dates assigned helps us to provide you with the highest level of service when processing your monthly billing statement.
 
 
Registration and Login Questions (back to top)

How do I sign-up for online credit services?
What information will I need to register for online account access?
Why do I need to enter personal information on the Logins Screen?
Is the information that I enter secure?
 
How do I sign-up for online credit services? (back to top)
You may sign up for online credit services by clicking Registration. You will be required to complete the online registration form before being granted access.
 
What information will I need to register for online account access? (back to top)
You will need the following information in order to register:
  • Your credit card
  • Last 4 digits of Social Security Number
  • Email Address
  • Date of Birth
  •  
    Why do I need to enter personal information on the Registration Screen? (back to top)
    We require you to provide us personal information to login to ensure that your account is protected from unauthorized access.
     
    Is the information that I enter secure? (back to top)
    Yes, we use SSL encryption, an industry standard, to help protect account information about you from unauthorized access.  When your browser is in secure mode, you will notice an unbroken key or lock at the bottom of the page.
     
     
    Interest Charges and Late Fees (back to top)

    How can I avoid interest charges?
    How can I avoid late payment fees?
     
    How can I avoid interest charges? (back to top)
    To avoid interest charges, pay your bill within 26 days of the billing date shown on your statement each month.
     
    How can I avoid late payment fees? (back to top)
    You will not be charged a late payment fee if we receive at least the minimum payment by the payment due date shown on your statement.
     
     
    Updating Contact Information (back to top)

    How do I update my contact information?
    What documentation is required for a legal name change?
     
    How do I update my contact information? (back to top)
    Login to your account and on the account summary page select "Update Personal Information" in the menu on the left navigation side. Here you can change your address and phone number.
     
    What documentation is required for a legal name change? (back to top)
    To change your name, Please mail a copy of the legal documents (marriage certificate, name change document, etc..) to the following address, in order to process your request:

    Gap Account Services
    PO Box 965004
    Orlando, FL 32896-5004
     
     
    Authorized Users (back to top)

    What is an authorized user?
    How do I add/remove an authorized user?
     
    What is an authorized user? (back to top)
    An authorized user is anyone whom the primary Account holder has authorized to make purchases on the card and is listed on the Account as an authorized user. An authorized user cannot close the Account, request Account information or make changes to the Account. The primary user is responsible for any charges that the authorized user makes on his/her Account.
     
    How do I add/remove an authorized user? (back to top)
    Now you can add up to 5 authorized users online. Select Add Authorized User and enter their names. Cards will be sent to the authorized users at the primary's address within 7-10 business days. To remove an authorize user, please call us at 1-800-887-1198.
    A written request can be sent to:

    Gap Card Services
    PO Box 965004
    Orlando, FL 32896-5004
     
     
    Credit Bureau (back to top)

    Credit Bureau Questions/Disputes
     
    Credit Bureau Questions/Disputes(back to top)
    If you believe that we have reported inaccurate information about you to a consumer reporting agency, please write to us at the following address:

    Gap Card Services
    PO Box 965003
    Orlando, FL 32896-5003

    When you do, please identify the inaccurate information and tell us why you believe it is incorrect. If you have a copy of the credit report that includes the inaccurate information, please send a copy of that report to us as well.
     
     
    Credit Line Increase (back to top)

    How can I request a credit line increase?
     
    How can I request a credit line increase? (back to top)
    Now you can request an increase to your credit line online. Select Credit Line Increase and enter your desired amount. If you qualify for an increase you will get a response screen with the allowed amount. Upon confirming this response an increased credit line will be immediately available.
     
     
     
    Lost or Stolen (back to top)

    What should I do if my credit card is lost or stolen?
     
    What should I do if my credit card is lost or stolen? (back to top)
    To report your card lost of stolen, contact our customer service department at 1-800-887-1198. Please review your Account for any purchases you did not make and report these to the customer service department when you call. We will close your Account and issue you a new Account number and card for your protection.
     
     
    Download to Quicken or Money (back to top)

    How can I download account transactions to my personal computer?
    What software can I download account transactions to?
     
    How can I download account transactions to my personal computer? (back to top)
    You can download account transactions to your personal computer by clicking "Download to Quicken or Money".
     
    What software can I download account transactions to? (back to top)
    You can download account transactions to Quicken, QuickBooks, Microsoft Money and Microsoft Excel.
     
    Security Information (back to top)

    Am I on a secure site even if the padlock on my browser is not locked?
    How can I tell when my connection is secure?
    What is SSL?
    What is a "secure session" and how does it help keep my information safe?
    What should I do when I have finished viewing my account information?
    What should I do if I am using a "public" computer?
     
    Am I on a secure site even if the padlock on my browser is not locked? (back to top)
    Your account information,credit application and other sensitive information is being encrypted on the GAP Online Credit Center.  An encrypted item is scrambled so that no one between your computer and GE Capital Retail Bank (GECRB) can read the message or the information you entered.  The reason the padlock icon provided on your browser may not appear locked (symbolizing an encrypted session) is because the GAP Online Credit Center uses multiple frames to display information on your computer.  The graphical header and navigation bar across the top of your screen is one frame.  The selections that appear on the left are another frame.  The main portion of the site appears in the remaining frame.  Frames that display general information about the site, such as the navigation bar across the top of your screen, are not encrypted.  However, any screen that displays or requests information about your account, user name, password, application and other sensitive information is encrypted.
     
    How can I tell when my connection is secure? (back to top)
    To confirm that information about you is encrypted perform the following three steps:
    1. Place your cursor on an area of screen where confidential information is being displayed.
     
    2. a. With an Internet Explorer browser, right-click, select 'Properties.'
      b. With a Netscape browser, right-click, select 'View'| 'Frame Info' OR select 'View' | 'Page Frame Info' from the browser menu bar.
      c. For Macintosh users, Ctrl-click, select 'New Window with this Frame' OR select 'View' | 'Page Info' from the browser menu bar.
     
    3. Check the web address that you have accessed.  If you are in a secure area, the address will appear as https://www. The "s" at the end of "https" means that you have accessed a secure server.
    What is SSL? (back to top)
    SSL is an abbreviation for Secured Socket Layer.  SSL technology secretly encodes (or encrypts) information as it is being sent over the Internet between your computer and GE Capital Retail Bank's systems.  This encryption technology is designed to ensure that account information travels securely over the Internet and remains confidential.  
     
    What is a "secure session" and how does it help keep my information safe? (back to top)
    During a secure SSL (Secured Socket Layer) session, data traveling between your computer and GE Capital Retail Bank's systems is secured using encryption technology.  This SSL technology secretly encodes information about you to create a private conversation that only your computer and GE Capital Retail Bank's systems can understand.
     
    What should I do when I have finished viewing my account information? (back to top)
    When you have finished using a secure area of GAP Online Credit Center, make sure you log out and then close/exit the Internet browser software (e.g., Netscape, Internet Explorer, AOL).  This will decrease the possibility of anyone viewing confidential account information.
     
    What should I do if I am using a "public" computer? (back to top)
    If you use a computer that others also work on and you are uncomfortable that they may view "cached" pages after you have left the station, you should close/exit the Internet browser software (e.g., Netscape, Internet Explorer, AOL) before leaving.  This will decrease the possibility of anyone viewing confidential account information.
     
     
    Technical Help (back to top)

    Are there any scheduled times when online customer service is unavailable?
    Browser Requirements
    What are the requirements for online access?
     
    Are there any scheduled times when online customer service is unavailable?(back to top)
    Our web server may periodically be down Sunday and Monday between 12:00 am and 5:00 am for maintenance purposes.  Other than these time periods the online customer service should be available.
     
    Browser Requirements (back to top)
    To login to the Gap Account Credit Card Home Page you need a browser which is SSL-compliant and has a "secure mode." When your browser is in secure mode, you will notice an unbroken key or lock at the bottom of the page.Javascript must be enabled to view your account information online. To enable javascript in IE, go to the Tools / Internet Options / Advanced tab.
     
    What are the requirements for online access?(back to top)
    A PC with that utilizes
    1. IE 6.0 on Win XP
    2. IE 6.0 on Win 2000
    3. IE 5.5 on Win 98
    4. NS 7.1 on Win 2000
    Unfortunately, the site is not enabled for MAC users at this time.
     
     
    Web Page Issues (back to top)

    What should I do when I am having trouble viewing account information on the screen?
     
    What should I do when I am having trouble viewing account information on the screen? (back to top)
    Please contact our customer service department and notify them of any problems that you are having in viewing Account information by calling 1-800-887-1198.
     
     
    Contact Us (back to top)

    Customer Service/Account Information
     
    Customer Service/Account Information (back to top)
    For questions regarding Customer Service or Account Information, you can contact Customer Service 24 hours/day by calling 1-800-887-1198.
     
     
     
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