I purchased a gift card online in Ebay with my ToysRus/BabiesRus credit card on April 18th, and two days ago, I found I was charged by the credit company for $10 because my transaction was deemed by credit company as a cash advanced transaction, that results in this $10 fee and also results additional I was at Babies R Us Today. I applied for a Toys R US Credit Card. I was denied. I looked at the small receipt. It said I'll get a response with in 30 days. wife said call the 800# and see what happened. I called spoke to a representative. He had to gather some more information. Then he told me Congratulations. You've been approved for $300. I was very happy. I've been trying for years to get this card..84 interest fee. I called ToysRus/BabiesRus credit card service line, and I was told that any gift card purchase with ToysRus/BabiesRus credit card is automatically flagged as cash advance transaction, hence leads to the $10 fee and its associated interest fee. While I also used this card purchased another gift card in ToysRus local store, which did not bring any additional fee. Then the customer service lady told that it is because ToysRus store is with the same company as the credit card company. This never happened to me with other credit card company!
The Toys R us Credit card is no longer through GE Capital Retail Bank. I noticed most of the awful reviews were due to the time the Toys R us credit card was through GE. However, the Toys R Us Credit card is now through Sychrony. Sychrony is amazing in many ways and very helpful, doing buisness with them is honesly very pleasurable. If you pay off the amount on the card before the billing cycle their is no interest and to top it off you get double the rewards points back. If you do it right you will save more money. Toys r us and Babies R us price match policy is amazing so I will buy my childrens clothes, toys, birthday presents, christmas presents, and food and bank my rewards points to $100 and spend it on diapers. I honestly save so much money that I rarely ever have to but diapers! Thank you Sychrony and Toys R us/ Babies R us to being flexible and helping to save money!
Toys R Us is the most popular and well-known toy store in the country. The juvenile product retailer was founded in 1948 and is headquartered in Wayne, New Jersey. The company operates nearly 900 Toys R Us and Babies R Us locations. Due to its partnership with Synchrony Bank, the toy store chain has been able to provide shoppers with the ToysRUs credit card.
I realized that most people were complaining about the promotional offers in store but, if people were to read the signs located in MULTIPLE locations in the stores wouldn't of been on here complaining about that. Also if more people would be more aware of protecting their private information they may not have their identity compromised and they may understand why they don't allow payments to be made in store. I also noticed that as I was reading through some of the reviews that they had the Toys R us credit card when they were partnered with GE Capital Retail Bank (which they are no longer partnered with). I feel that it is only fair that this is wiped out and updated with the Toys R us credit card in which is partnered with Sychrony. My interest rate is a 23.2%, but I pay if off before the billing cycle and I pay no interest and I get double the reward points back. I utilize my Toys R us credit card the proper way to save money and get the r us rewards. I price match others stores (which saves more money) and then I use my credit card to bank my points. Also if you have ever had to deal with sychrony then you know they are security focused and amazing to deal with. You can even chat with them online.
Toys R Us Credit Card