Credit Card Payment ChoicesOld Navy Credit Card Payment
Old Navy credit card payment is a payment option when you shop for clothes at Gap’s Old Navy stores. There are quite some good benefits when using Old Navy credit card payment. In just few minutes, you will discover what are the advantages and also some disadvantages when using the Old Navy credit card.
The advantages of using Old Navy credit card payment
The first benefits you will get when using the Old Navy credit card is the rewards that offered to the card holders. The card holder will earn instantly 5 points when they spend $1 at Old Navy, Gap, Banana Republic, Piperlime and Athleta. If you don’t spend your money at those places, you still get 1 point for each dollar spend at places where Visa is accepted. With these points, you can exchange for cash at 1000 point/$10. With that said, for $200 dollars spent, you will get $10 back. It’s a 5% saving.
Old Navy Credit Card Payment
The advantages of Old Navy Credit card (as well as the Old Navy Visa card) don’t stop there. Similar to others, Old Navy offers special discounts and offers only to the card holders through the year. In addition, the 10% off only every Tuesday at Old Navy, Gap and Piperlime can be a good offer that many cannot refuse.
The Ugly things about Old Navy credit card payment
While offering very good offers for the card holders, Old Navy’s fees don’t look very interesting. First of all, the APR is very high. The highest APR of Old Navy credit card is 25.99%, 11% higher than the average. In addition, you may be charged from 3% to 5% on each transaction. The late payment penalty is another pain when it can up to $35. As you can see now, it’s not all benefit when using the Old Navy credit card (as well as others too).
Conclusion
You can see that everything has its ups and down, the Old Navy credit card payment option is not an exception. You will get a lot of good offers, discounts and also points for every dollar you spend. However, in return, there are some unpleasant fees are waiting for you if you decide to be the card holder, especially when you don’t have good credit score.
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