How To Make a Gap Credit Card Payment

If you shop at these stores frequently, a GapCard can be a good way to save money. However, even a small balance left on a store card will detrimentally effect your credit. You should pay off all balances as soon as possible, but Gap does not allow you to do that in the store. You can Make a Gap Credit Card Payment online or by mail; you can also pay by phone but in that case will be required to pay for the convenience.

How To Make a Gap Credit Card Payment Online

To make Gap credit card payment online, you’ll need to register for online access. Here’s how:

  1. Visit the Cardmember Account Service login page.
  2. Click to register.
  3. Enter your account number and ZIP code.
  4. Follow the prompts on the screen to register the account.

After completing the registration process, you can log in to complete the payment. Here’s how:

  1. Go to the login page and log in to your Gap credit card account.
  2. Click “Pay your bill.”
  3. Enter your bank name, checking account number and bank routing number.
  4. Select the amount you want to pay. You can make the minimum payment due, or pay the balance from your previous statement, your current balance or any amount up to your current balance.
  5. Submit your payment.

If you don’t want to log in to your account, you can use the “Pay as Guest” feature on the Cardmember Account Services page. Provide your card number, the last four digits of your Social Security number and your billing  ZIP code. Then follow the prompts to submit the payment.

Recommended: How To Access And Manage Your Gap Credit Card Login

How To Make a Gap Credit Card Payment by Mail

You also have the option to mail in your 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. Then send everything to the address that corresponds with your card.

For Gap store cards, use this payment address:

Gap/Synchrony Bank
P.O. Box 960061
Orlando, FL 32896-0061

For Gap Visa cards, use this payment address:

Gap Visa/Synchrony Bank
P.O. Box 960013
Orlando, FL 32896-0013

How To Make a Gap Credit Card Payment by Phone

Gap also allows you to make credit card payments over the phone for free. To pay by phone, gather your credit card number, bank account number and bank routing number.

Call Gap credit card services at 800-887-1198. Or call 866-450-4467 for Gap Visa credit cards. Follow the automated prompts to schedule your payment. There is no fee to use the automated system, but you will be charged for expedited payments made through a customer service representative.

Late Fees for Gap Cards

If you fail to make your Gap credit card on time, you’ll be charged a late fee. The regular late fee is $29. However, if you’ve had a late fee applied to your account within the past six billing cycles, the fee will increase to $40.

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