Walmart MASTERCARD Consumer Reviews

Horrible experience! Calling them back to see why they called me... They refused me access to my account, for answering a question correctly but the information isn't up to date in their system and they penalized me... Refused access to my card or even to talk with anyone... THEY REFUSED TO GIVE EMPLOYEE ID or NAME../ REFUSED to escalate to a manager!

I bought a product online with Walmart MasterCard. After entering the wrong SecureCode at the final step, the card got "Hold". I reset the code, called customer care. They said, it's all OK and the payment will go through. But here my problem starts. The hold on my card continued even on offline transactions. Wherever I tapped or inserted my card, it "declined". Called, Walmart MasterCard people, again and again, almost 4 times. Every time got the answer, "Everything is OK now. You will not have any problem" but the same story continues till now. Also, even after assurance at the end of every call, got another, to reassure if I am the right person. If you miss that call, hold continues and if you pick that call and verify your identity, the hold still continues. As a result, I lost that great deal of almost $400 savings, the order was cancelled and the product was no more there on a deal. WORST!! WORST!! WORST!!! experience with Walmart MasterCard.

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.

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...