Walmart MASTERCARD Consumer Reviews

I maintained this credit card for 3 months. I am regretting going for this. I made the payment for a month 1 day before the due date but the transaction was posted two days later which resulted in a 25 credit points drop in my score. I am going to cancel it soon.

In mid-March, I ordered an online product using my Walmart Mastercard. I then received warnings about the company I purchased from. I was concerned so lowered my credit limit with Walmart Mastercard to $1000. I also spoke to a customer service rep who said that I could increase it again at any time. I must note that I had also received 2 previous letters from Walmart Mastercard offering to increase my credit limit to $4500 as I am an excellent customer. After 6 weeks and a few major purchases I was close to my credit limit (I have since paid it off) so thought I had better increase to $2000. I applied and have been denied. I have been told I have to wait 6 months to increase. I was never told this before. I am very angry. I was not told this before. I do not exceed credit limits but do want this buffer for emergencies. Time to return to BOM Mastercard as they have been missing me.

I got a call from Walmart security about 'suspicious activity' on my account. The activity they were referring to was that I made a payment more than my credit limit. Because I got a low interest transfer from my TD Visa card. Well, they said I had to PROVE where the payment came from and that they were FREEZING my account. When I called TD about it, the lady said she had done literally thousands of balance transfers over the years and she had never heard of such a thing. She said 'why does Walmart need to know where the money came from? Why do they care?' So when I called Walmart back and asked the woman, her already haughty attitude turned nasty. 'We don't have to return the money to you' she said. 'we can keep it as long as we want'. I said 'I made a previous large payment of $5,000 and you didn't question it' and she said 'no you didn't'. So I went home to my computer and called back. Right away she said 'are you the guy who called before about your large payment?' I said 'yes'. Again she said I had never made a previous payment, and when I said 'I'm looking at it right now on my computer screen' she said 'what's your card number?'

I got a call from Walmart security about 'suspicious activity' on my account. The activity they were referring to was that I made a payment more than my credit limit. Because I got a low interest transfer from my TD Visa card. Well, they said I had to PROVE where the payment came from and that they were FREEZING my account. When I called TD about it, the lady said she had done literally thousands of balance transfers over the years and she had never heard of such a thing. She said 'why does Walmart need to know where the money came from? Why do they care?' So when I called Walmart back and asked the woman, her already haughty attitude turned nasty. 'We don't have to return the money to you' she said. 'we can keep it as long as we want'. I said 'I made a previous large payment of $5,000 and you didn't question it' and she said 'no you didn't'. So I went home to my computer and called back. Right away she said 'are you the guy who called before about your large payment?' I said 'yes'. Again she said I had never made a previous payment, and when I said 'I'm looking at it right now on my computer screen' she said 'what's your card number?'

I had a Walmart MasterCard that I just cancelled today and I opened up the account back in January. By February they reported incorrectly a missed payment on my credit report and, then lowered my credit limit on the credit card even though I haven’t missed a single payment. It is the worst and I repeat the worst credit card company out there. I highly recommend every single person avoid them like the plague.

Card perks are okay and I think come in useful, but don’t ever think you can get good service from anything that has the name Walmart associated with it. Service is one of the worst I’ve ever experienced ever.

So I have had the card for 9 months. Made the mistake of spending $20 on a lottery ticket which I didn't realize this is treated as a cash advance. Fully accept this was MY MISTAKE and I was charged $4 fee plus interest for a cash advance for that month. Okay, so I pay the full amount due each month (as billed on my statement). Three months later I am still paying interest for this cash advance??? Spoke to them (customer service) 3 times to get an explanation, they promised to call me back when I asked to speak to a supervisor - never phoned me. Last call I made lasted 40 minutes, transferred 3 times, very hard to understand what they are talking about. Never again - cut up card, got new Mastercard with another company

Horrible and the most unprofessional service ever. Please do not waste time on these bullies!

Phoned to tell them I accidentally cut up my new card instead of the old one, needed a new one and the customer service agent was terrible - she didn’t understand the problems and it took forever to make her understand. Hire people that can speak and understand English. Terrible terrible terrible...

I have the Walmart Mastercard for over 2 years, 2 months ago I received a duplicate charge on this card, and the vendor refunded after I paid my credit card bill in full, so I called Walmart customer support to request a refund for the credit balance. They told me I will receive the cheque in 30 business days...it's now 60 Days and I have received NOTHING. I called in several times to follow up and even asked to talk to the supervisor. The supervisor said they have passed the issue to their back office for investigation and will contact me when they have a "progress". And they cannot guarantee how soon I will hear from them. All the help you will get is to ask to you wait with NO explanation, NO apologies. And they refuse to provide me any tracking info for this cheque. BTW I had requested a refund cheque from AMEX last year and received the cheque in 3 weeks...Walmart is the only company that ask you to wait for 30 business days. I even purchased balance protection & additional product warranty insurance on the Walmart credit card. Now I see a big red flag here if something ever happens, I doubt they are capable to help the customer with the claims.