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I was appalled by the experience I had with the Gap's customer service department. I had a $19.00 charge on my credit card that turned into $78.00 after interest and fees. It took me close to 1 hour to actually speak to someone in customer service in the US. Once your account goes into collection, they route you to an offshore outsourced collections department (most do NOT speak english). After one hour my dispute was resolved. This card is more hassle than what it's worth. I am going to use my Amex card regardless of the point potential, just NOT worth the aggrevation.


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