Walmart MASTERCARD Consumer Reviews

I was approached in store regarding a Walmart Mastercard and was pressured, finally agreeing to apply. When confirming the card, the customer service rep pressured me to take the insurance plans, which I did not want but seem to have gotten anyway. Customer Service reps must be on commission. I have called on two occasions to cancel my card due to being misled on insurance coverage I did not want. March 27th I called Customer Service to cancel my account and was not satisfied with the rep's response so I spoke with a supervisor and was told to cut up my card as the account was now closed. I received notification that a new statement was ready, so my account was not closed. I called Customer service again on May 20th and explained the situation. I was told to transfer the issue to a supervisor and I would receive a call within two days. Another lie. I have not received a call. Terrible Customer Service.

This is one of the worst credit card companies in Canada... Poor customer service. I asked them to transfer my refund money to the bank account they took almost more than 15 days... with modern technology bank to bank transfer shouldn't take more than 24 hours! This is insane... Purchase interest will be charged for no reason! Phone calls will put you on hold for more than 1 hour! You will get fed up and hang up if you are not patient.

This company does provide customers with protection on their cards. They beat around the bush telling you to contact the place that has charged you. They do not do claim protection or dispute. They do not care about customer's interests or for their protection whatsoever. They even charge you extra hidden fees to your actual balance when you calculate what you owe on your statement it does not add up to what's on the account balance. They are full-time scammers. Do not join this companies credit card.

Due to untrackable credit loss on my card, I called them for the information, but they were just beating around the bush. So I requested them to cancel the card. I paid all the balance right away I did not use it anymore. They updated another balance, I paid for it again. I did not use it anymore. After two months, when I log into an online account to check it because I do not trust them, and there: another balance again. I couldn't believe it! (My total loss: $1247.25, if they steal $1247.25 from each customer and if their consumer population is 10 million (10,000,000) in North America (Canada, USA, Mexico), Guess how much they have stolen every year.

The customer service team are horrible and unwilling to help. I ended up being put on hold and the lady never came back. NEVER had such a horrible experience. What a joke this company has to treat their own customers like the way they treated me.

I always try to pay my card off as soon as possible, mostly before the due time. There is a time the due date is on the 23rd. I paid on 20th, I happen to have an automatic charge posted on the 19th but when I paid it did not appear. Then the next month I was charged an annual interest at 130% for this amount I happened to miss because it is visible after I have paid my balance. I then called customer service. The first time I was disconnected after 20 minutes waiting; the second time I was told the person cannot access my account thus he was transferring to me another person and got disconnected again. Now I am still on the call waiting...

I reluctantly signed up for the card at the cash since I was promised a $ 25 rebate on the next purchase. I never got the card, never got a statement, but finally, yesterday, I got a text saying I was behind in my payments. I only used it that first time because of course I couldn't because I didn't get the card. Two hours on the phone yesterday, being transferred here and there. Apparently, my unit number was missing from the application, although I carefully gave it. First-person on the phone fixed it. But then I was transferred over and over again. Final Department seems to be Security who wants to verify me. They wanted my address from 20 years ago. I gave it to them. They said they will call me back on my phone to verify it is me. I waited, the phone never range but got a voicemail from Walmart saying to call them back on the number on the back of my card. I don't have a card!!! Called again, transferred 4 times, got Security Department, he said he'd have to call back on my phone, never called back. On hold now for 45 minutes while Security is doing??? I just want to pay the bill and then quietly cancel the card. What a mess.

I called today supposed to ask about any payment deferral for my monthly dues as for the pandemic Covid-19 has cost me my job and the agent I talked to was very rude. He just told me right away that they don’t do payment deferral and to call the Canada Balance Protection plan as he said I am eligible for it. I told him I don’t know that there is that kinda thing in Walmart MC. He just said call them, in an irritating voice. Then I told him how would I call I don’t know their number and better give me the number! And then he right away asked me if I am going to pay a $200 balance. I asked him why I should pay it right now and I just paid my minimum already! I just checked my statement of account and there is nothing new for the month yet! What a rude agent. Before he could hang me up, I hanged the phone already. Then came calling the Canada Balance Protection Plan to file my claim. An agent answered my call after a 30mins of waiting. Looks like they would never ever give me or you a claim for any job loss or anything to claim for. They always have these “Limits and Exclusions policy” thing and it is ridiculously impossible to have complied. I wished I just didn’t apply this Walmart MC. They will never ever help you in times of this kind of situation.

Customer Service including the Supervisor have no idea what they are talking. I called to request to stop pre-authorized payment and it went thru. I called and dispute the transaction, they pushed all responsibilities. Be careful what they promise you as at the end of the day, they will tell you everything is done and can not resolve.

This is the only credit card company that penalizes you for having no balance owing and make every payment before the due date and paying in full. They drop your credit limit which, therefore, plays with your credit rating. Well, you lost yet another customer and will never get another dollar from me. Sure hope your company goes under and more people realize Canadian's don't need your service.