Capital One

You can log in to your Walmart Credit Card online account in the following ways:

• Create an online account and log in to the website.
• Download the Capital One Mobile App from either Google Play or App store.

The same procedures apply to the Walmart® Store Card, too.

This way, you can manage your account and redeem your rewards online.

You can pay your Walmart Credit Card 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 log in to your account and click “Make a Payment.” Then, 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.” On the next screen, you can choose the date you want to pay and which checking account to pay from. Finally, click “Submit Payment.”
• By 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.

• 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.

Capital One CreditWise is good because it's a free way to check your credit score anytime. It will also send you email alerts when there's important activity on your credit report, such as a hard credit inquiry or a new credit card account. Plus, it's available to everyone who signs up on the CreditWise website, not just Capital One customers. The credit score you get is the VantageScore 3.0 model, based on your TransUnion credit report.

Many credit card issuers – including American Express, Discover, and Barclaycard – have added free credit tracking services that send your credit score once a month or a week, like Capital One. But CreditWise goes beyond that and not only alerts you to new credit activity, it also provides a lot of information on what affects your score, as well as easy ways you can improve it.

For example, CreditWise offers a credit score simulator, with which you can see how decisions like paying off abalance, opening a new credit card, or making a late payment could affect your credit.

CreditWise has 6 different sections on what factors are affecting your credit score. The sections can be found on the CreditWise dashboard and include on-time payments, your available credit, how much of your available credit you're using, your oldest credit line, new accounts from the past 2 years, and recent inquiries.

You'll receive a score in each of the sections – “below average,” “average,” “good,” or “excellent.” And CreditWise tells you how much each section impacts your overall score. For instance, “On-time Payments” has the greatest impact on your score, while “Available Credit” has the least impact. There's also a “Score Improvement” section where you can find personalized suggestions for improving your credit score.

The biggest downside to Capital One CreditWise is that it only updates once a week. You can find services that send you daily updates, along with a lot of the same information CreditWise provides. Regardless of which credit score site you choose, staying aware of your credit score is a necessity.

Your Walmart Credit Card approval odds are decent if you have at least a fair credit score and a steady income. The store card version can only be used at Walmart and the Mastercard can be used anywhere. You'll need enough income to make your payments, and Capital One (the issuer) will look at lots of other factors, too. They'll look at your credit history, your assets and any potential liabilities and debts you have.

So, it's hard to gauge your approval odds without knowing your personal situation. And Capital One unfortunately doesn't let you check for prequalification to gauge your odds. They might send you a pre-approved offer in the mail, though.

Here's how to check your Walmart Credit Card approval odds:

• Your odds are best for both the Walmart Mastercard and the Walmart Store Card if you have a fair credit score.
• How much income and debt you have, how many times you've applied for credit recently, and other factors will also affect your approval odds.
• If Capital One sent you a pre-approved offer in the mail, your chances of being approved are very high. It's still not a guarantee, though.
• If you apply online or in-store, you might get instant approval if your credit and income clearly exceed the requirements. Otherwise, it could take a few weeks for Capital One to come to a final decision.

If you're approved for a Walmart card, you should receive it in the mail within 10 business days. In the meantime, you'll get a temporary card number so you can make purchases right away, both in store or online. 

You can apply for a Walmart Credit Card online or at a Walmart store location.

Before you apply, it's important to note that Walmart offers two credit cards – a Mastercard and a Walmart® Store Card – but has just one application.

In other words, you can't pick your Walmart card. Your creditworthiness decides for you. People with good or excellent credit generally get the Walmart Credit Card, while folks with fair credit usually receive the Walmart® Store Card.

If you're not sure where your credit stands, you can check your latest credit score for free on WalletHub.