The Gap switched from a Visa card to a Barclay's Mastercard. I set up my online account and entered my checking account info so that I could pay my credit card bill. I paid my bill. Then a month later, I received a statement showing a huge late fee. I was confused so I went back online and it appears that their online site won't accept my checking account info. I call customer service. Get disconnected twice. Finally get someone on the phone, who is clearly not in the same country as I am, and they tell me I'm trying to use a closed checking account and that it's my problem. I pay the bill over the phone, and decide I'm going to transfer the credit card balance and cancel the card, as I've never had such a bad experience. I transfer the balance, can see it reflected on my Capital One statement, but guess what??? Barclay's Mastercard is still showing the same balance. It should be a zero balance at this point. I call again, and they ask me accusatory questions as if I'm making this all up, and tell me that the transaction didn't go through yet on their end and I should check back in a few days. So now my credit report will show a balance on both of my cards. Thanks Barclays! I then cancelled my card, which is a shame because I loved using the points from the Gap to shop at their affiliate stores. What a disaster!