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Home > Rate and Review > Credit Cards > Toys “R” Us Credit Card – Scam, Complaint, Review, or Praise?

Toys “R” Us Credit Card – Scam, Complaint, Review, or Praise?

Please share your experience with Toys “R” Us Credit Card and provide your review and feedback, in the comments section below.

The goal of this page is to allow people to share information that may be important to help others who have used Toys “R” Us Credit Card in order to make a more informed decision regarding their experience with Toys “R” Us Credit Card. Here are some potential questions you might be able to provide feedback about.

  • How did you feel about the customer service experience you received from Toys “R” Us Credit Card?
  • Was Toys “R” Us Credit Card easy to communicate with before or after you became a customer?
  • Did Toys “R” Us Credit Card respond to your communications promptly?
  • What were the fees charged by Toys “R” Us Credit Card?
  • Did Toys “R” Us Credit Card give you the terms and conditions for the credit you were interested in before you gave them any personal information?
  • Was Toys “R” Us Credit Card helpful in assisting you with your financial needs?
  • Did you have a really good experience with Toys “R” Us Credit Card you can share?
  • Did you have a bad experience with Toys “R” Us Credit Card you want to share?
  • Is there any other information you’d like people to know that might be considering using credit fromToys “R” Us Credit Card?

It is important to understand when reading comments below that they are the opinions of the individual posters and may not be representative of the overall impression of all consumers that may have or have not used the services of Toys “R” Us Credit Card. But everyone does deserve to have an opportunity to express their opinion, even Toys “R” Us Credit Card itself, be it good, bad, or indifferent.

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  • Bobo

    I got talked into a Babies r us credit card with the come on of a discount on the item I was purchasing. I put the check in the mail 5 days before the deadline. I was surprised to find a late charge on my next bill of $27. Is it standard practice for Babies r us to hold the check until past the deadline, then charge a late fee? You know the old saying, “Fool me once…”
    The card has been snipped! Babies r us just lost a future customer and anyone else that I can convince!

  • Karrie

    I have had the Toys R Us for several years with Chase. I loved getting the gift cards as rewards for shopping. The switch to GE Capital is not what I expected. Now, they issue coupons in $5 increments for rewards instead of the gift cards. The coupons have expiration dates that are within 2 months of receiving them. I went to spend $20 in coupons today at a Toys R Us store on a $24 purchase and the system would not take my transaction correctly. 20 minutes later and 2 associates, she finally gave up and just manually subtracted the $20. I hate the coupons! I want the gift cards back. I am no longer using this credit card and will close it soon!

    • Sue H.

      I also HATE GE, their service stinks, just try calling them & see how long it takes to speak to someone. I was assured after calling in 5 x to try & find out why I hadn’t received my reward cards, they said there is a delay because of the company switch, but I should get them anyday, when they arrived several months later I was short more than half of the rewards owed to me, they skipped the month where I had over 10k in charges, which I paid in full. I am short hundreds of $ in rewards, all calls have resulted in me always being told we’ ll check it out & call you back. They did call me back once only to assure me the rewards are in the mail, it took over 6 months to get them. After been told nothing will change as far as the rewards go, I now know everything has changed they now expire in a short rime & you can no longer use them for gift cards. I have now gotten a new card with another company, want nothing to do with GE. I had been with Chase for around 20 yrs, never had a problem of any source, never was late with my payment, but last month I sent a complaint letter in with my statement to GE (1st time I ve ever complained to a co.) and the response I got was a charge for a late fee & a letter that still didn’t answer the question where’s the missing rewards!

  • debra

    I just applied for this card online for the free shipping, 10% off your order and bonus points for the holidays. Was approved instantly and accidentally closed out the page with all of the account information rather than pressing print. It was my error, but then spent the evening on the phone with GE being transferred back to TRU back to GE back to TRU and two hours later was told to go into the store to print out a temporary shopping pass which will have all of my info. on it. No one could help me. I even attempted to re-apply but that did not work either. All I needed was my account number. They do not offer this information online, nor would e-mail it to me.
    Went into the store and codes on the temporary shopping pass did not work online- there were way too many numbers. Store manager, after verifying my identity, said they don’t have access to it. (it was a barcode only- not credit card number)

    Arrived home furious, called and convinced GE to contact TRU to let me place an order using the credit card (which they still would not give me account information for) We went item number by item number, only to discover half of the items in my cart were gone. I became extremely frustrated and asked the very patient customer service representative to just cancel it all.

    While I understand it was my error to close out a page, it was an evening of frustration and continuously being told to talk to someone else without any back-up system. There is very poor communication between GE and TRU. Why couldn’t they place my order to begin with before I traveled to the store?

    I lost out on my 10% off for today and now have another open account on my credit that I will never use.

    • Steve Rhode

      Don’t forget, opening multiple accounts in a short period of time hurts your credit score.

  • Mobio

    Since toys r us credit card switching from chase to GE, I didn’t get bill for one month. GE charged late fee plus interest. I told them that I shouldn’t be punished because of gap of their business transaction. GE told me that they shouldn’t be repsonsible to mistake of Chase. I closed this damn card for sure!

  • Concerned

    I received the new GE Capital TRU card in the mail to replace my Chase card that I haven’t used in like a year. 2 days later I receive a bill for $0 with a payment due date of 8/12. Do I send the bill in or will I get fined? The last bill I got was for 1 or 2 dollars when I didn’t owe anything on the account, so I wouldn’t put it past GE Capital to fine me on zero owed.
    I probably won’t use this card because it can only be used at TRU.

  • Aging Mom

    Have had the ToysRUs credit card for many years. Pay balances in full each month. Chase Customer service has been great. Getting the rewards gift cards has been convenient as I always have several around the house just in time for those impromtu (or forgotten) baby shower or birthday gifts.  But now my kids are grown and going into the store with a couple of hundred dollars worth of coupons I have found that the only thing I am interested in are itunes gift cards (which have made good gifts for my teenagers to give to friends).  Wish they still carried the Apple ipad as I would like to be saving for that.  In any event, I’m afraid with my kids heading into college that I will be avoiding use of this Visa turned MasterCard in lieu of other cards with cash rebates. Chase had good service.  Hope this new bank does as well. Glad there is no annual fee so I can just put a charge or two on it every 6 months to keep it active for the credit report status.

  • Beba Linda

    I always pay my toys r us card online at but i logged in to pay it yesterday and i dont see my account for that card anymore??

  • karen stroh

    i had a toys r us credit card issused by chase and the last time i used it was around christmas time 2011 i went to use it 6/23/2012 and was embarrased when i was denied i called number on card and because i hadn,t used it since 2011 which is only abvout 6 months they closed my account without any notification i know i didnt owe money and i find no excuse for this and the embarassment it caused me           thank you

    • Steve Rhode

      It’s not uncommon for creditors to close inactive accounts. Were you not getting monthly statements on this card?

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