Walmart MASTERCARD Consumer Reviews

Walmart Master Card is the worst credit card to have. Do not apply for it unless you like harassment while paying on your account. The constant phone calls and text messages are actual harassment. As they give your info to several different callers. You make your monthly payment every month. But if you are a day late you are harassed. I am not exaggerating! I have had up to 7 calls a day for 30 days until the next billing cycle. I have had to block them and then they call from different numbers. I have never missed a month's payment. But they tell me it's because I did not quite make the payment by the exact date.
And they are hard cards to cancel!
Don't get started!
I don't write many reviews. But I tell ya I am warning you it does not matter if you have good credit. They will kill your credit.

3 different vendors paid monthly by Walmart credit card was declined and as a result, incurred insufficient funds charges. Called Walmart and was told all the vendors entered the expiry date as 2021, which is a lie as one of the vendors was my insurance which is computerized. Don't use Walmart to pay important bills. Insurance now takes 2 months in advance.

I spent 5 months, and 6 phone calls to dispute a charge. I had provided evidence that a booking was cancelled within 5 hours of booking, on the webpage and via email. The E dreams website claimed free cancellation within 24 hours.
Often times I had to Re explain the dispute. After finally getting the charge reversed, I asked for another card #. After 2 months, I used my Walmart card again. Within a week of using the Walmart card, they put through the charge of $718.23 from e dreams again.
On speaking to their security team, they claimed e dreams said I didn’t communicate to e dreams. I provided evidence of email confirmation that I had requested the cancellation.
Customer service is very disappointing. Don’t get tempted by their rebates.

Customer service reps were friendly... but not helpful. I ordered a couple of items online, one of which was not delivered. I received an email saying that the item was delivered. The next day, I received another notice saying the item was cancelled. I contacted customer service four times and was finally told the item had been refunded to my Walmart Mastercard, but when I received the CC statement, there was no refund. However, the original charge was on the statement. So I paid the bill, minus the $26.22 that was supposed to have been refunded. I've just received the next month's bill - still no refund, and they charged me to purchase the interest of $16.20. If you don't pay the entire amount due, they will charge you interest on the entire balance, not just what was unpaid. The end result is 1) no product 2) no refund 3) interest charged on amounts paid 4) a lot of time wasted waiting to tell the same story to customer service I used to love shopping at Walmart but now would never recommend buying anything online or applying for a Walmart Rewards Mastercard to anyone.

I can not locate a master card service person to resolve this issue.
I called too many times and was so annoying. I’ve had it. I Can't even reach one to cancel.
I recently billed in the mail today it was anger all over again.
They actually tell me I didn’t pay. Ending up paying twice with all the text messages and emails they interrupted my day with.
The bill says I didn’t pay on time and only recorded 25$ which was the second payment.
However, the first payment for the same month was 200$.
No note to represent my payment. Went online and checked my bank and all went through.
The thing is I do not have the time or the patients to deal with overseas contact.
It doesn’t work.
Unable to contact an agent in Canada.
I will not be doing any service that doesn’t provide proper service.
I would rather pay for service.
Very very done. I don’t need it.

I always settle my balance on time. I haven't received my June invoice, but have received a text message overdue notice. They charge me overdue fees and interest. I complained and asked for overdue fees and interest to be waived and she said "no sir".
I asked her to send my complaint to the management team and she replied "no sir". I emailed Ombudsman and after a month I have not received any feedback yet.

I lost my card, called in May for a replacement never received the card replacement, and never received a request for payment. In June received a collection letter.
Called on June 27 got the total amount owed and paid, and tried to cancel, they never answer the cancel call so I could not cancel.
Called again on July 7 they informed me there was no outstanding payment, then again I tried to cancel. They sent me to 3 different customer service representatives the last one hung up the phone on me.
They say I will not have any issue if I don't cancel the card, just leave it, because I don`t have any outstanding value to pay.
I don`t trust them.
Because of this, my credit report is down by 150 points. What can come next?
I have to give one star to the customer service because there isn't an option of ZERO STARS.

1. It takes 30 days to get your card
2. They don't tell you that if you don't use it for 6 months they cancel your card & charge your $10
3. If you make an overpayment it takes over 3 months to get your $$ credit & if you don't use it within the 6 months they then deduct the overpayment $10... Not about 10 bucks but principle!!!
4. If your balance is $5 & not paid for whatever reason they harass you daily with phone calls yet they take months to refund an overpayment
5. Avoid this credit card & go through a reputable bank for credit - Walmart is a complete SCAM & UNREPUTABLE

My Walmart Mastercard was compromised, and Walmart investigated and removed the purchase. They then recharged the amount to a cancelled card with no notification saying it was my purchase. I received a past-due bill three months later. I disputed this charge again, little did I know at the time that my personal information had been stolen. Due to their poor customer service, protection of my personal information and lack of due diligence investigating I was a victim of identity theft and fraud but left to deal with this alone, Walmart took no responsibility or offered assistance. Definitely do not get a credit card from them, totally incompetent.

I will be withdrawing this card as the basic feature to make the payment is so complicated.