What To Do When You Can’t Pay Your Kroger Bill
The Kroger Co. is one of the oldest grocery store chains still in operation. It also is the largest grocery store chain, and second in retailing—right behind Walmart. Kroger offers credit card applicants some great benefits when it comes to getting a 1-2-3 REWARDS Visa Card. The focal point of this article will be on paying your Kroger store card. With every grocery store purchase you make with your Kroger 1-2-3 Visa Card, points adds up for free groceries.
With the 1-2-3 REWARDS Visa card you can earn unlimited rewards. Following is an example of how your points can quickly add up in one month:
- Outside Kroger Stores-you earn 1 point per $1 spent
ex. You spend $25 for new tires for your car
You earn 250 rewards points
At Kroger stores-you earn 2 points per $1 spent
ex. You spend $300 for groceries and other purchases (Kroger has a family of 33 stores)
You earn 600 rewards points
- On Kroger family brands-you earn 3 points per $1 spent
ex. You spend $75 for Kroger brand products
You earn 225 rewards points
Total points earned in one month: 1,07 rewards points = $5 rewards certificate (Every 1,000 points = $5 in FREE groceries just for using the 1-2-3 REWARDS Visa card.)
Your Kroger’s card entitles you to:
- Earn FREE groceries with every purchase
- Earn Rewards that sent automatically every quarter
- No annual fee
- 3-n1 card—Rewards Card, Shopper’s Card, and Visa Card
How To Pay The Bill
The Kroger credit card is backed by U.S. Bank. Here are the options for paying your Kroger credit card:
You can go here to pay Kroger bill online via the company’s online pill pay service: www.cardmemberservices.com/ccp/index.jsp?pg_name=ccpmapp/cms/special_offers/page/make_online_payments
Pay By Mail:
You can send a check or money order to:
U.S. Bank Cardmember Services
P.O. Box 790408
St. Louis, MO 63179-0408
You can contact customer service by calling: (877) 373-6192
Questions About Your Billing Statement or Account?
The 1-2-3 Rewards Visa FAQs page lists information on annual percentage rate and annual membership fee. Customers can contact the customer service department with more detailed questions about their billing statement at 1-877-373-6192.
How The Penalty Fees Work
The Kroger 1-2-3 REWARDS Visa card charges an APR of 11.24%-19.24%
Following are the penalties:
The first-time penalty will not exceed $25; after that
- Late Payment = up to $35
- Over-the-Credit-Limit = up to $35
- Return Payment = up to $35
- Return Check = up to $35
I Can’t Make A Payment
When calling Kroger Personal Finance, the automated menu directed me to Card Services, where the representative was not able to answer any questions, but directed us to their Public Relations department. After a short hold time, once again the representative was unable to answer any questions and directed us this time to their Personal Finance department, which again was unable to answer any questions, and dumped the call into a voicemail box. We also could not find any forum postings that indicate Kroger’s policy for people who get behind on their credit card bill.
Will They Work With Me To Pay My Bill?
If you have experience paying off a Kroger 1-2-3 REWARDS Visa card, we would love to hear from you! Currently we have no reader accounts of how easy or difficult Kroger and US Bank makes it for you to get out of debt with the Kroger credit card.