I just got approved for my toys r us card and I have a few store cards through synchrony bank with Walmart and Ashley furniture , and they have always been good to me with the MasterCard feature , I see a lot of complaints on here , I haven't used toys r us directly yet but I've had no problems with synchrony bank so I trust this card will be good , it has good perks at 15% off and I got approved for a 2200 limit so I have nothing but good things to say about synchrony bank credit cards .
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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 $0.84 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 whole cash advanced transaction does NOT make any sense at all. I did not physically take money from this credit card. Is this really legal? All the information I got from the customer service is that ToysRus/BabiesRus company is stealing money from their customer. With hundreds of thousands of customers, ToysRus/BabiesRus is really making good profit out of this deemed "cash advanced" fee and its interest.
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