Platform Constraints: Digital options like Apple Pay, Google Pay, and PayPal cannot be mixed with other payment methods. They will automatically fail at checkout if your cart contains backordered items or a mix of shipped and store-pickup items. Financing Terms: Installment plans via Klarna or Afterpay are blocked if your order includes gift cards worth over $500. Using an installment app will also forfeit regular cardmember promos and free shipping perks. Register Nuances: You can cross-use any sister brand card (like an Old Navy card) at a Banana Republic register. Reward points can be applied at any checkout counter just by typing in your phone number.