Horrible. An old navy store card…. Not credit card - was from Synchrony Bank, June of 2022 with no notice Barclay took over old navy sending out credit cards. No application etc. it took quite sometime to figure out how in the world my daughters Barclay credit card for old navy purchases kept hitting a withdrawal from my (her moms) checking account. Several calls to Barclay and I was told “obviously your daughter took your bank account Information without your knowledge”. Finally today Old Navy researched in detail our dilemma. It seems many many years ago I had an old navy store card, I paid the bills through my bank. I closed the card in 2014. In 2022 Barclay attached my bank Information to my daughters new card as her last name is the same as mine. Oops they said. Soooo lesson learned. If you close out a credit card demand they delete your bank information. Although my account was closed ten years ago they still had my bank information active. Basically they called my daughter a thief and couldn’t be bothered to trace it back.