Okay, so I had a regular ToysRus credit card and then they sent me a new one, this time, a Mastercard. I thought nothing of it, as credit card issuers send you new cards all the time. Then I find out that they transferred the balance over from the old card to the new one. This is something I expected. But what I did not expect was to receive NO bill. Thing is, I did pay (set up for auto-payment in my bank account Bill Pay), however, because I did not receive a bill, I had no idea that the payment I needed to make had increased due to the new card being owned by GE, who apparently changed my interest rate, thus hiking up my bill. So, the $55.00 I was usually charged was not enough to satisfy the amount due. I never received notice of change of interest rate and since I didn't receive a bill (not even online), I assumed the payment was the same. Now I am stuck with a late fee, and cannot get anyone to reply through the online message center.