Zero stars, horrible experience. I received an email around the time Synchrony switched to Barclaycard that a banana republic card had been activated in my name. At the time my account balance was zero and in over 10 years as a customer I was never late with or missed a payment. I called Barclaycard to report the card stolen. Turned out the stolen card was used to withdraw 300 dollars in cash. After 6 months, dozens of phone calls with incompetent customer service agents and a damaged credit rating l paid the fraudulent charges to be done with them. I still have no idea how this happened but I feel like I was conned.