If you have found yourself in the position where you have to decide between getting a new dress for the upcoming holidays or buying a Gap Card from the Gap for your daughter, then you might want to do a little research before you make your choice. These little cards are a great gift idea for anyone on your list, and there are many benefits of having one. You can be sure that if you get your child a Gap Card that they will love it since they can use them at any store, and they are usually good quality and durable. However, if you are going to buy one for yourself, you might want to think about whether or not these are really the right gifts for you. Here is a closer look at these cards and what to think about them before you decide to buy one.
The promise of an extra twenty percent off the stack of clothing you're buying for the holidays might sound tempting, especially since you're seeing the numbers adding up as the sales clerk rings up your purchases, but is it actually worth it for you to get one of these? First, are you really saving money with Gap credit cards? Even if the offer says that they will provide you with free shipping, twenty percent off your entire purchase, and two or three days of after-sales support, is that really going to add up to significant savings? Even if you do get extra discounts, is it going to be worth it? These Gap cards can easily cost you more than ten dollars per month, and that's if you pay the high interest rates.
The second reason you might want to pass on Gap credit cards is that they usually come with an annual fee that is significantly higher than other credit cards. The annual fee is twelve months; by the time you are finished paying it off, you will end up paying almost double what you paid for your Visa or MasterCard, which already has a high annual percentage rate. The high annual fee makes the yearly fee a poor choice for Gap Visa card users.
Another reason not to earn silver status with this particular company is that they don't usually offer any type of grace period during which you can keep using your card. If you need a few items in advance of your vacation, or if you just need to make a few last minute purchases before the holiday season starts, then you probably won't have any problem earning enough reward points to justify the annual fee. However, if you are a regular customer and you need to use your card every day, then you might find that you are offered an incentive to do so. For example, if you use their card on your daily trip to the grocery store, then you will earn more reward points than if you went once per month. It is just one more way that Gap wants to squeeze every penny out of you!
It should also be noted that most credit cards from this company only offer a small cash back reward when you make purchases with them. There are some exceptions, but those offers typically pay out less than ten percent of your purchase amount. This isn't much help when trying to build your credit. They don't usually offer a large enough cash bonus to make paying off your balance a good financial decision.
There are some companies out there who actually do offer an incentive to earn more rewards. With these types of cards, you will be able to pay off your balance quicker than if you were to pay the entire balance at the end of every billing cycle. For example, an interest-free period may last for twelve months. During this time you will be able to pay a higher interest rate than you would if you paid the entire balance at the end of each billing cycle.
However, these benefits are usually limited to bonus rewards, and not to actual cash back. In fact, many people have difficulty keeping their spending in line when they receive the same reward multiple times. Gap Card USA has a unique system whereby a gap card holder can earn five percent cash rebates on their purchases made using their card. The rebates can be received as in-store credits or can be credited online. You are also able to get three percent off your monthly balance if you pay your account off during your grace period.
This is an excellent way for Gap Card USA cardholders to earn more money. It is possible for cardholders to increase their savings by over fifteen percent just by making their purchases with their cards. It is important to pay off balances as quickly as possible because once you pay off your balance, you are no longer earning points. You can, however, still earn lots of extra money each month. To do this, it is important to pay your entire balance before your grace period ends so that you have plenty of time to pay off the entire balance without running out of time to do so.
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