How can I reach the Walmart Credit Card customer service?

The bank that issues Walmart credit cards is Capital One. Capital One has been the Walmart credit card issuer since October 2019, when the revamped Walmart Rewards Mastercard and Walmart Rewards store credit card debuted.

While Capital One issues both versions of the Walmart credit card – a Mastercard that you can use anywhere, and a traditional store-only credit card – you cannot apply for both. You’ll have to submit an application for the Rewards Mastercard, and if you don’t qualify for that card, Capital One may consider you for the Walmart Rewards store card. You will need at least fair credit to ensure high odds of approval for the Walmart Rewards Mastercard.… read full answer

From 1999 until late 2019, the Walmart credit cards were issued by Synchrony Bank. The new Capital One-issued cards are much improved over their Synchrony Bank predecessors, adding 5% cash back on walmart.com purchases, including pick-up and delivery orders. The Rewards Mastercard also adds a pair of new rewards categories, restaurants and travel, which give 2% cash back.

The Capital One Walmart Rewards® Mastercard® credit score requirement is 640 or higher. That means people with fair credit or better have a shot at getting approved for the Walmart Credit Card.

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Walmart Credit Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.… read full answer

If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the Walmart Credit Card credit score requirement. You can check your credit score for free on WalletHub.

You can pay your Walmart Credit Card bill online, via the Capital One app, over the phone at (877) 383-4802, by mail, or in person at a Walmart location. The same payment methods apply to the Walmart® Store Card, too.

Here’s how you can make a Walmart Credit Card payment:

• Online:
  To pay online or through the Capital One mobile app, simply:
  
  1. Log in to your account.
  2. Click “Make a Payment.”
  3. Fill in the amount you want to pay – you can choose your last statement balance, current balance, minimum payment, or a custom amount – and click “Continue.”
  4. Choose the date you want to pay and which checking account to pay from.
  5. Click “Submit Payment.”
• Over the phone:
  To pay your Walmart Credit Card bill over the phone, call (877) 383-4802 (or the number on the back of your credit card) and enter the last 4 digits of your credit card number.
  
  The automated system will give a menu of options – choose “make a payment.” After that, the system will guide you through the payment process.
• By mail:
  If you would rather mail in a Walmart Credit Card payment, mail a check and the payment coupon from your monthly statement to the address on the coupon. The address is:
  
  Walmart Credit Card/Capital One
  Attn: Payment Processing
  PO Box 71083
  Charlotte, NC 28272-1083
  
  Overnight Address
  
  Capital One
  Attn: Payment Processing
  6125 Lakeview Rd
  Suite 800
  Charlotte, NC 28269
• In person:
  Payments can also be made in any Walmart location at the customer service desk or with a cashier. You’ll need to bring the payment coupon from your credit card statement, along with the Walmart Credit Card itself.
  
  Similarly, if you’re a Sam's Club member, you can make a Walmart Credit Card payment at any Sam's Club location at the customer service desk or with a cashier.

If you choose to make a payment via regular mail, make sure to always send it at least 5-7 days before your due date.