Walmart® Credit Card

loaded 200.00 dollars on my Walmart card only to find I cant use it in other countries...thanks for wasting my time and money ..looks like I wont be getting another one..fuck walmart

Do not even think of owning a Walmart credit card. You will regret it, trust me on that

I dont do cards, but trying to establish some credit to buy a house, plus it was around Christmas and a lil exra money was nice (at the time) I was so wrong! For starters in Nov their were unexplained charges on my card from walmart.com, and walmart.com couldnt find them any where on my account, I knew I never made these said purchases! I never got anywhere with them transfering me from deparment to department, walmart.com, back to walmart credit smh. Now in March theres another unexplained charge on my account. Credit company says its from Walmart.com...... Walmart.com says there was never a puchace for this amount. Same on my end when I veiw my account on line. So here we go again wasted almost 5 hrs of my day, off and on, hanging up on me, rude and very poor customer service skills. Also I made a full paymnet of 856$ in Feb to pay my account off and got a 35$ late fee in March but never recieved a bill, I figured I wouldnt get a bill just paying it off. Nope they found something somewhere to give me a late fee. After aruging with them all day, and both not understanding the charge they finally came up with a plan, that they had some problems in Nov with their billing and that I owed them the extra charge that was applied to my card ctfu! Im so done with them. Oh and..... lol they dropped my credit line from 800 to 200 and didnt notify me but somehow with that extra charge that they pulled out their asses, it over drafted my account over the 200 credit limit. Plus with them screw balls dropping my credit line and adding fake late fees my credit score dropped 12pts. So thank you so very much for screwing us over! I will pay you off (even whats not owed) you will reep one day! But Im deffinitly cutting this card up and you will never get a dime from me again!

I made a purchase of 500.00 I had a limit credit of 8.000 they close my account I'm not allow to make a payment or do any thing with the card I'm waiting for them to send me something explaining what is going on when I call customer service they say my account is closed there is not payment to be made and there is no balance on the account what the hell don't u want me to pay you back or you are just going to ruin my credit I'm afraid that is what is going to happen.

Had a card for 2 years late 1 or 2 times but only buy a few days while back but i paid it off quickly every time now 3 months of a zero balance they closed my account and said the reason my credit score went down but i also have a old navy card and they didn't close that one and there the same bank ...

Horrible customer service!!! - used my card to order online. Informed Walmart MasterCard I had never received an online order and asked them to credit my account as the seller did NOT have a signature of delivery. They opened an "investigation" - months later was informed that my account was not to be credited that it was "a risk I take when ordering online"!!!!

Love this card, I got it 3 months ago and I pay it off before the statement date. Never had a problem with customer service because I pay attention to the small print so there is no need to call them. I cant wait for a credit limit increase and hopefully in 12 months I will have the mastercard. :)

For the haters, learn to use credit responsibly. For all others, this card is great. I didn't have excellent credit nor did I have poor credit either. I was given a modest credit limit, and I always pay the credit card off (way before the due date like every credit card I have). I haven't been charged interest yet but have received a few hundred dollars rewards now (which I continue to save). You see all the haters have something in common. They either wait too late to make a payment, don't pay their entire balance before the grace period, or hold balances each month. Those people would be better off with lines of credit designed to hold monthly balances or would be better off financing their purchases. Credit cards should be paid off in full monthly and payments should be made 4-5 business days prior to the grace period end. Follow these simple rules and you'll have no problem. Use your credit irresponsibly, and I bet you'll find yourself angry because of high interest charges, seemingly unfair penalties, and a poor credit rating. Don't blame the game, blame yourself and learn the tough lesson.

I originally applied for the walmart card and got the one just good for their store (I think 1500 limit ish) --- However - about 8 months into it they sent me a mastercard version of the walmart card and upped my limit to 6000 --- I did NOT realize when I activated the card the differences and it ran a hard inquiry on my credit which I was NOT thrilled about (house refinancing don't need hard inquires)... well... I haven't had any issues, I have a 700 credit score and paid it off this month - interest is way high compared to my other cards, so it will go in the drawer for emergencies.

Horrible customer service! I just got approved today. I applied on my cell phone sense I do everything on my phone. But when I pressed submit it did nothing the page didn't move. But my notification went off saying I got a email. I checked my email I got approved yay cool. But no account number so I can go into the store today. I called in No we don't give account numbers over the phone. Can I speak with the manager. "Manager can I do anything to get my account number what do you want me to verify can I go to the store show my ID or Social Security card." "No you just have to wait for your card sorry.. No empathy what so ever they sounded like miserable robots.. I'm thinking it's best not to use my card when I get it because when I have a issue customer service won't be of any help!! Not cool walmart!

These cards from Synchrony Bank Credit Cards are a scam for false purchases for 0 interests. You purchase a lawn mower for $300 plus for 12 months at no interests. Your first payment will be $35.00 x 8.6 months = $301.00, scam, no explanation from customer service. Cards from other banks did not crunch the payment plan from 12 months to 8.6, unacceptable. This was our fourth year for this 0 interests plan , 3 were with other banks. Not next year with Synchrony Bank Credit Cards.

This card company has a unique scam that generates over a billion each year. If you ever make a payment that is due on a holiday make sure you pay the bill at least three days before the due date. I paid on a Friday for a bill due on a Monday. Due to Monday being a holiday, they claimed that no payment was received until Tuesday and charged me a late fee. My bank statement showed it was paid on Friday but their records show payment received the following Tuesday. This is how they ruin people's credit and generate billions in the process every year.

Horrible customer service. They would not let you talk and tell them whats going on without them cutting you off and telling you that you are the one thats wrong. Called not long ago after receiving my first bill and didnt receive my $35 discount they offer after spending $75+. Lady try to tell me that i didnt use my card when i received it, told her i had gotten pre approved by mail and that my card didnt arrived till two weeks later and that i didnt have a card on hand she said i should of used it anyway, like what in the world. yeah im ganna go buy with a invisible card. she said YES! (A Walmart cashier cannot simply use your driver’s licence to look up your account information and thereby allow you to complete a purchase without your card being present) right there i knew this was pointless. Asked to speak to a supervisor, even worst. So disrespectful. He said i the same thing. And not to mention walmart customer service didnt even mention this either. if you are thinking of getting this DONT. is trash! and if you are in this mess already, pay it off and leave.

I will be cancelling this card! I have never made a late payment or missed a payment. I don't have problems with my credit score either. Recently I made a payment because I was planning on paying off the balance of new appliances with my card to take advantage of the cash rewards. When the lady tried to process the charge the card was declined. I panicked because I had made a payment several days earlier to cover the balance of the appliances and any recent purchases and thought my card had been compromised. I called Walmart customer service and was told there was a negative balance on my but I had to spend up to my limit before the credit would be applied. Since when does a credit card company not apply a payment? I was told to put through a charge for $X dollars first and then a second charge for $Z next to pay for my purchase. I thought this was bizarre but was told that was the only way I could pay for the appliances. I called the store back and they put the charge for $X through but when they tried the amount for $Z it was declined. I called Walmart back and another representative told me I had to put a different amount through this time. I asked him to double check because I didn't want any more problems. He told me to tell the store to put through $Y first and then whatever balance remained on the purchase could be put through. I hung up and called the store. No surprise when they tried to put through the $Y amount it was declined. I called Walmart back and was told it was declined because I had already been declined too many times that day!!! Seriously? I told them the only reason I was declined was because of them and following their directions. Speaking with the third representative within a couple of hours he apologized for what happened and tried to do what he could to help me. Finally I thought there was hope. Unfortunately he went to his manager (who wouldn't speak with me directly) and the manager told him that due to my payment my credit card would now be frozen for 7-10 business days. So here I was always paying my card, I have a credit on my card and I can't use it. Why? I really can't tell you because I called Walmart a couple more times after that and everyone gives me a different story. What I do know is I made a payment in order to take advantage of the cash back rewards with the purchase of appliances. Those funds were frozen by Walmart which meant I had to come up with more money now to pay for the appliances another way and didn't earn any cash back rewards. I was told my a Walmart representative this issue was sent to head office and someone would call me within 24hrs. No one ever called. For anyone wondering the amount I was trying to charge on my card for the appliances was below my maximum limit. Tomorrow is Monday and I will be contacting my bank to reverse the payment made to Walmart. I will be cancelling my credit card with Walmart and will be doing my shopping elsewhere from now on.

Very bad communication with customer service, and exorbitant monthly charges if you have any sort of carry-over. As with Walmart itself, this is just another example of inflated profits for a huge corporation with no real community benefits. This is a sorry example of trickle-down economics, folks. Run while you can.

The interest is ridiculous! By the time you pay one off you already have to pay $40 in interest alone. I am very dissatisfied!

This is the worst experience I have ever had with a credit card!! I paid it off on time in Oct. 2015. charge was denied Dec. 2015 because account was closed by Synchrony Bank No notice, no understandable explanation. Just a lot of mumbo-jumbo! Their customer service supervisor Trevor was a total corporate robot. I will never shop walmart again!!

I started with a regular card and a low limit (300). I shopped at Wal-Mart often enough so I thought it would help me better track purchases. I followed all the general rules of keeping a low balance and paying it off. My limit was raised after 6 months to 700. I didn't change my behaviors. After 3 months, I got a letter saying they were changing my card to a Mastercard I could use anywhere. My new limit was 1500. Three months later I got the card and when I activated it the new limit was 5000. I get 1% back, discounts on gas, and bonus financing. It works for me because I just shop and use the card the way I always have and now I get rewarded for it. I had an incorrect charge and called about it. It was resolved in a few minutes. No issues for me so far.

To put it bluntly the card sucks. Walmart sent me a bill stating that the total minimum due was to be paid by 1/1/2016. When I went to make the payment two weeks prior I was told that the account was closed. After two months of nonpayment they closed my account with no written or verbal notice. Then later on the same day I received a letter in the mail stating that Synchrony Bank was no longer handling the account but that it was sent to a debt collection agency called Allied Interstate. But I was told both by Walmart and Allied that payment could be made to either and it would be one in the same. Sounds like BS to me because the way I understand it companies sell debt off to collection agency's to recoup some of the money lost then the debt agency will try to get a higher amount then what they paid for the debt. Now I am hearing that Allied Interstate really isn't s debt collection agency but a part of Walmart used to dupe people into thinking that they were sent to an actual agency so they pay up.

What I am seeing here is everybody telling the same stories of bad customer service and "habitual" mistakes on accounts that always cost the card holder unnecessary penalties. The reviews are actually very bad and since so many say the same thing, there is little doubt there is much truth to the complaints. However, if you will notice, there are a lot of thumbs downs to the negative reviews and the occasional outlandishly fabulous grand reviews about this card. Like trolls working for this company trying to keep the rating from dropping to embarrassingly low, yet deserved levels. Really look at it! Who could actually love this card? No body who has ever owned it.

WORST CUSTOMER SERVICE EVER. This is my first credit card and I'm young and I'm trying to build it up. I applied and got approved quickly in store, used the temporary pass and everything. They said they would send it within 10-13 business days. It's almost been a month. I've called multiple times, and they didn't answer any of my questions except that they'll send me a new one. Now I have to wait another 2 weeks. Did I mention that they spelled my name wrong too? On my card and that I had to correct them? Yup. So then customer service in the phone told me I can pay in store if I have my drivers license. Went to the store, and they didn't even bother trying to use my drivers license. All this lady said was "no can't do that". I'm so frustrated and mad with customer service and I fully regret opening this card. Don't open one up, please. I'm begging you.

This is a terrible card. They give you a very low credit line, and it is next to get a credit line increase from them even if you have a very high credit score. I cancelled my card and pledge never ever to shop at Walmart again. The Target Red Card is a much better deal with a 5 percent instant rebate and free shipping always.

its worthless. worst customer service ever. I paid all my bills on time and now they are saying I didnt paid money for 6 months so its affecting my credit. I asked for history or a statement but the CSR was so rude she refused to provide me. I asked for supervisor help but she refused even to talk to her. Never ever get this card. They are big fat liers.

I closed my account with wal-mart almost 10 years ago because of the horrific customer service and APR. Then approx 6 months ago I started getting statements from them again! Although the statement showed no purchases it did show a .40 cent credit. I ignored it. The next month I got a cheque from them for the .40 cents. My family and I joked about it but basically ignored it. After all its 40 cents who cares right. Then I got another statement from them with a payment of something like $37. This time I called them to advise them they were applying someone elses payments to my account and I would appreciate if they could correct this and stop sending me statements. I told the customer service person, who got annoyed with me for wasting her time and advised me to throw out the cheque. A few weeks later I received a letter from their investigation team advising me that were aware of my report and would take care of it. Whew, thank god that's done. WRONG. Last month I again received another statement thanking me for my payment of $153 and change! Since I had already reported the previous error and knew this was not my payment I ignored it again. Today, I opened my mail and recieved yet another statement thanking me for my payment of $786 and change. Then the next envelope I opened was a CHEQUE FOR $939.79 Back on the phone. Their machines put you into this terrible loop that I had great trouble navigating due to the fact that they don't recognize my closed account number, the recording says they are open from 9:30 am -6:00 pm EST (my time zone) but when you finally get through it says they are closed and to "please call back during regular business hours" So I tried a customer service number I found on line and spoke to a very sweet girl who had absolutely no clue how to help or even when the credit office would or should be open, but she made notes, gave me a ref# and transferred my call just the same. Back into the cyber loop I go, another 20 minutes of pushing buttons and low and behold I actually get someone at Wal-Mart Master Card, who thanks me for my honesty, but just gives me another number to call, because he apparently has no idea how to deal with this situation either. I call that number and surprise! (not really) they are not open either! I feel absolutely horrible for the person whom this money really belongs, but no one at Wal-Mart seems to care and I have no idea what to do next. I could give it to my lawyer to deal with but then Wal-mart would have to pay her and it would cost more than the cheque is for. Bottom line- Walmarts customer service is terrible! No one should be able to post anything to an account that has been closed for almost 10 years and when this did happen, no one took it seriously or had a clue what to do about it. I strongly advise not using Wal-Marts credit services if you can avoid it! I rated them 1star only because 0 stars was not an option! Side note = not everyone uses Facebook, I had to borrow a family members facebook account just to post this review!! SAD

Worst customer service ever. I requested to speak with a supervisor regarding m my statement and the representative clearly told that the supervisor refused to take the call and I should check my spam for my statement.... SMH I've been a customer for close to 3 years without any issue but after this run around and worst STUPIDEST customer service, I am never using them again. STAY AWAY IF YOU DO NOT WANT YOUR FEELINGS HURT...

I'm not sure why there are so many bad reviews for this card. I've never been charged a late fee when it wasn't applicable (if you don't pay on time or a few days in advance to let the payment be applied, of course you will have a late fee). The rewards add up fast if this is the only credit card you use. I get money off of my purchase almost every time I'm at Wal-Mart (yes, I am there often!) I think this is a great card and will continue to use :)

Don't even bother applying for this even if you think your credit is good! I applied after getting my credit score up to 609. This is a huge improvement and I have been able to get a couple store credit cards and a brand new car. So I thought I would see. I get a denial letter saying I am denied because my credit score is 385 and they got their info from transunion. Unless my credit karma and the place I bought my car through are lying to me this is totally off. So now I am stuck with a hard inquiry on my report which will lower my score and a denial based on a false credit score.

They charge late fees when your not late, made two payments in a month, but still charge late fees because the payment was not close enough to due date, I will pay this card off and never use again. APR is way to high, rip off from a company that make billions a year. Pathetic they would do this!

Never received my credit for opening the account so i closed it no help from customer service

This Wal Mart Card has a high APR and a pretty low reward. It also has a sub standard cash back program. It is easy to get approved for, and for the first 12-24 months there is not interest. So, maybe a good starting card to build credit but then you will want to move on. Three stars seems fair.

This is the worst card I have ever seen. I tried to activate my second user credit card. They keep getting the phone number incorrect, cannot set up pin. The phone keeps on hanging up. When put on hold sometimes, it just transfer to a new person, and the whole verification process starts over again. I think in total my secondary user and I have spent over 4 hours for the last two weeks on activating the credit card. Conclusion, the pin still cannot be set up. This is my 4th phone call today, each time at least 20 mins. I really gave up. DO NOT GET THIS CARD. This is the worst customer experience I have ever had.

this is dangerous experience to use walmart marstercard, because I frequently get wrong number in the account, I have to keeep eyes on it , otherwise, your will see more money paid.

this is by far the worst card that i own! bad customer service, high APR and poor rewards make it ,uraguably, the worst credit card ever! my FICO score has gotten better and better, and a lot of my credit card companies have awarded me a lower APR; except for walmart. stay away from this card!

my mother has this card. she bought several things and the latest was a lawnmower. my sister found out how high the cost plus interest on it was and offered to transfer the balance to a credit card with much lower interest. they told her that they were not set up to be able to allow her to pay it off with a credit card, it had to be cash money. so now we are working on an arrangement to get it paid off. the fees and interest are rather high. and why would there be a foreign transaction fee ? i am guessing that is for if you travel outside the country and use walmart? why would we pay one for using any walmart in this country? strange. when she gets this paid off she plans to simply close the account.

i dont like the HIGH INTEREST RATES Plus I have it paid off and I SHOULD NOT HAVE TO PAY ON A ZERO BALANCE EVER!!!!!

Not sure about the card but the customer service is very poor. cancelled the card because of the customer service.

My card was shut off after each and every purchase, I had to call the credit card and assure them that I made the purchase prior to each use. I went through the shut off and having to call several times. At one point, the CS tried to interrogate me as to what medication I bought at the pharmacy and why. Calling prior to each use is not the way to have to use a credit card so I closed it out.

The card is not that great compared to my capital one. the interest rate is much lower on mine, and the rewards much higher. please don't waste your time on this card.

Any cards from Synchrony Bank are jokes! Save your time, don't apply, i'm not joking.

I am using Walmart from Last 6 month continuously. My payment was $555, but being online ,by mistakenly, I had made the payment of $ 520, I have clear that in next cycle. from that day till today they keep charging me Balance ins, Purchase Interest and tax on ... 22% interest for that mere $35 difference,Really Strange... I am Going to shut down my all business from Walmart. If you are Planing to taking that master card, forget it, it sucks you