During my in store purchase at Banana Republic, the cashier persuaded me to get a Banana Card. He convinced me it's a one time deal. Shortly after, I spotted a rather noticeable hole in the cashmere sweater. So, I went to a BR store at another location. Instead of returning it on the card, they claimed that since I took off the tag, the product can only be refunded via an in-store card that will be mailed to me (never heard of this before). Mind you I never wore the item, I had a receipt, and I returned it shortly after the purchase. About 30 days past, I never received the mailed in-store card, the Banana Card I signed up for, or the billing statement for the card. I called and they said they will mail it again within 10 days. Now I was issued a late fee for my billing statement, and I still don't even have the card. I had to speak with customer service for over an hour to dispute the late fee and have them reissue the statement to my address. As a result though, I'm not even going to use the card again. I really do hate in-store credit cards. I believe they are just a runaround to make more money, had I not disputed. Thanks BR for your complicated processes.