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Didn't receive advertised or promotional terms. To Whom It May Concern, I am writing regarding my Gap Rewards Credit Card. I have been a Gap card holder for well over 10 years and the card was always under XXXX. Last year it converted to a Barclays card. I recently have experienced financial hardship and enrolled in a Debt Management Program through XXXX XXXX XXXX XXXX. XXXX sent a proposal to Barclays for both my Gap rewards card and my Banana Republic card. The proposal was to lower the interest rate from 29.99 % to 5.4 % and would have me pay off my balance in 4.5 years. In addition to this arrangement XXXX advised me to close the accounts, which I did. Barclays accepted the proposal for the Banana Republic card, however rejected the proposal for the Gap card. When XXXX as well as mysel