What To Do When You Can’t Pay Your Toys R Us Bill
With over 800 US locations and more than 500 international locations, Toys R Usis the leading retail toy store in the United States. Toys R Us includes the many BabiesRUs stores specializing in toys and equipment for infants and toddlers. Their stores also include e-commerce sites: Toysrus.com, Babiesrus.com, eToys.com and FAO.com.
If you often make purchases from ToysRUs, you could be earning rewards with a Toys R Us credit card from Chase Bank. You’ll earn 4 points per dollar spent on eligible purchases from Toys R Us and receive coupons and special offers from both Toys R Us and Babies R Us. With your first Toys R Us credit card purchase you’ll receive an extra 10% points bonus.
Other advantages to owning a Toys R Us MasterCard through Chase include:
- Travel accident insurance
- Auto collision damage coverage
- 24-hour account access
- Emergency customer service
How to Pay the Bill
You can access your Chase account and pay your Toys R Us bill online at https://www.chase.com/index.jsp?pg_name=ccpmapp/card_servicing/partner/page/home_ToysRUsPL.
Pay by mail:
Send your check or money order to:
P.O. Box 15148
Wilmington, DE 19886-5148
You can also overnight payments to:
Attn: Payment Processing
2500 Westfield Drive
Elgin, IL 60124
Pay by phone:
Call customer service to make a payment at 1-800-436-7958.
Pay at the your local Chase branch:
Visit your local Chase bank to make a payment.
Questions About Your Billing Statement or Account?
A complete list of fees, including the introductory APR, default APR, late payment fee and returned payment fee is listed in the Terms and Conditions. Customer service is available at 1-888-868-8618.
How the Penalty Fees Work
The typical interest rate for the Toys R Us credit card is 21.24%. Branded MasterCards may provide APRs of 15.24% to 19.24% depending on credit worthiness. If you use your card for cash or overdraft advances the APR is 19.24% to 23.24%. For missed, late or returned payments a penalty rate of 29.99% is applied.
I Can’t Make a Payment
Life changing experiences can often cause financial strain. Chase Bank offers a way to plan ahead for these events with their Chase Payment Protector. If you pay the extra cost of $0.89 per $100 of your monthly payment, you can suspend payments for up to two years depending on the reason you can’t pay your bills.
It seems that some customers have had trouble resolving their credit card debt with Chase. There are reports of raised interest rates after customers were granted a freeze on their account for various reasons. Chase does offer their payment protector to help their customers plan ahead for unexpected situations, so they may be less sympathetic towards those who have racked up debt without taking advantage of the protection.
Will They Work With Me To Pay My Bill
Have you had to work your way out of debt on a Chase store card like the Toys R Us rewards card? Let us know how you were able to resolve the situation!