Capital One

You can access your Walmart credit card online account in the following ways:

• Create a Capital One online account and log in here.

• Download Capital One Mobile App from either Google Play or App store.

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

You can make a Walmart credit card payment online, over the phone, by mail, in person at a Walmart location, or via the Capital One app. 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.”

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.

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.

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. Payments made in the store post within 48 hours.

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.

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.

You can easily check for Capital One pre-approval online. To start, enter your name, date of birth, Social Security number and address. Then, tell Capital One what kind of card you're looking for and click “See Your Card Offers.” Capital One will then show you which of their cards you seem to be a good fit for, based on a soft pull of your credit. The process should take minutes at most, and it won't affect your credit score.

You may also receive a Capital One pre approval offer by mail. In that case, all you have to do is enter the “Reservation Number” and “Access Code” here to get to the card's application. The application will be flagged as pre-approved when Capital One reviews it.

If you don't have an offer yet, don't worry. Checking online is quick and easy. Just remember that pre-approval doesn't mean guaranteed approval. It is about as close as you can get, though, considering that most people who are pre-approved get approved when they officially apply.

Here's how to check for Capital One pre approval online:

1. Go to the Capital One pre approval page.
2. Enter your name, date of birth, Social Security number and address.
3. Select the type of card that appeals to you most: travel rewards, cash back or low interest (or select “not sure”).
4. Rate your credit level: excellent, average or rebuilding.
5. Check the box that indicates you know you're not submitting an actual credit card application.
6. Click “See Your Card Offers”.

After a few seconds, you should see the Capital One credit cards that you're pre-approved for, if any. And you'll be able to apply for one of them right away, if you wish. Capital One offers credit cards to people of all credit levels. So the odds are good that you'll come away with at least one Capital One pre-approved credit card offer.