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I constantly pay off my balance so that I keep my balance to zero; however, old navy credit card makes this very difficult. I don't know if this is legal, but here's my complaint
According to dozens of old navy credit card reviews I read and received, it sounds like the customer service is pretty awful. For example on one site, out of 58 comments...

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Serviced by the GE Money Bank (GEMB), the old navy credit card features benefits that may include online account access, advance sale events, offers, and promotions.