Walmart MASTERCARD Consumer Reviews

I am advising that never fall in the trap of Walmart Mastercard. The worst ever credit card one can have. Even after paying 80% of the credit limit, they charge you for a card over-limit fee. It is purely insane. If some executive asks you for a Walmart Mastercard when you visit the shop, it is only for their monthly targets. Go for any other cards, but not Walmart cards. The credit card customer care people are also the same, never help you in any situation.

If you go shopping from Walmart, always cashiers ask "do have Walmart Mastercard" and then they insist to get a master card from Walmart and get the rewards. The problem started as soon as I got a master card from Walmart at Hartland, they told me that "the card will be mailed to you up to the next two weeks", but I never received it. I went to the same store and told them about this problem, then they cancelled it and filled another application for me for another card. Before I go for my vacation, I went to the same store and paid the amount that was printed in my last statement. Then another story started from Walmart master card customer service about the late payments. After a few times of calling and going to the same store, finally, they found their discrepancy and this nasty problem was solved. But, I requested to cancel my Walmart Master card and relief myself from this sort of services and approaching untrained customer service employees.

I like to maintain good credit and I am choosy as to which credit cards I apply for and how often I apply in order to protect my credit rating. I thought the WalMart Rewards MasterCard would be a good fit as we do the majority of our grocery shopping at Walmart and I liked the idea of earning points towards purchases. Had I known the hassle it would involve to obtain the card or the horrible customer service I would receive in the process, I most definitely wouldn’t have put a dent in my credit applying for this card and would not have applied at all. After being approved “instantly” at WalMart.ca, I came to find that was not at all the case at all. A few days after applying, I received a phone call from MasterCard saying there was a security issue with my card and to call in. I thought that was strange as I hadn’t even received my cards (one for me, one for my husband) in the mail yet. Upon calling in and talking to the security department, they told me they needed further documentation to prove my identity and gave me a fax number. They requested two pieces of mail, such as utility bills, confirming my address along with a recent tax assessment. I went ahead and forwarded documentation and was to expect to hear from them within the next 10 days. Strangely enough, in the meantime, my cards arrived in the mail. When I called to activate them, I was put through to the security department again and was told they wanted a different tax assessment as I gave them 2017 instead of 2018. Along with the 2018 tax assessment, they also wanted copies of my driver’s license and more utility bills to confirm my address. Ok(?). This was all ridiculous to me as I’ve been at the same address going on 20 years, which could have been verified when they did my initial credit check. Anyhow, I went along with it and faxed it in the second set of documentation. Fast forward a month. I hadn’t heard anything from MasterCard. I was told I’d hear from them within 10 days so I went ahead and called in so I could check the status of my cards. What a mistake! I got the rudest, most demeaning customer service representative that I’ve ever dealt with. Seriously. As I tried to explain the situation he would cut me off, talk over me, and tell me there wasn’t anything he could do but pass it along to someone else. Alright. I asked him what to do next, what is the process, etc. He got irritated with my questions and began raising his voice to the point of shouting. I asked him why he was being angry with me and he told me because I was treating him like an idiot! Pardon me? I was only trying to get him to explain what was going on. Wow. Anyhow, I ended the conversation as he continued to escalate. I calmed myself and called back having decided enough was enough and wanting to have them cancel everything. I got a different rep so calmly tried to explain what had happened up until that point with the application and all the faxes I had sent. She told me I needed to fax in more documentation again. I asked which ones and she told me I needed to send in my most recent tax assessment. I told her I had done that over a month ago, along with my driver’s license and more utility bills. She said they haven’t received them yet. I told her that it was strange as I had a copy of a fax verification from when I sent the paperwork in. Now she started to get snotty and asked me what I wanted her to do about it. I told her that I understood she couldn’t personally do anything about it but what is it they want me to do next. She said I needed to fax the documentation to them again. Omg. Now I was frustrated and told her to just go ahead and cancel the application altogether, I’ve done everything they’ve asked over the last few months and it wasn’t worth troubling myself over any further. Unbelievable. I have never had such a problem trying to acquire a credit card, nor have I ever dealt with such awful customer service. And throughout all of this, I noticed that they didn’t only do a credit check, they also have placed their credit card on my list of active credit cards at the credit bureau! How can they list it as an issued, active card when I haven’t even had any access to it? That’s beyond my comprehension. So my credit score took a hit for something I don’t have and never will have. Thanks, Walmart MasterCard, such a pleasure doing business with you. My advice? Run. Don’t walk. Run. I’ve been dealing with various credit cards for the last 30 years and have never seen anything as remotely impossible as this situation has been. Get yourself a regular, bank-issued, low rate card and save yourself the hassle. So not worth it.

I called customer service asking if they can help me arrange payment cause I lost my job. The agent hungs up and said sorry your not qualified and give a number to call and bye-bye. What a customer service is this. I closed the card to this, it is unrealistic.

The call center guy was rude. Didn't have the proper information to give and finally hung up the call inappropriately. I don't suggest anyone go for this Mastercard.

I am generally a polite person but what I went through yesterday was the first in a lifetime. I found an unauthorized charge on my statement from my August Statement and I decided to call it in. The customer service girl was polite, she seemed to be based in the US. I asked to be connected to the Chargeback department. She initially was hesitant and kept avoiding to send me to that department but finally just forwarded me. Then the phone was answered by a rude person. Seemed to be based in India. I asked to speak to the folks in the Chargeback department. He said that everyone is gone for the day. This is 4:10 PM PST. I told him that I want to report an unauthorized transaction. He tells me that I can not report it per their policy since its been over 30 days. His tone was bullying and offensive. I have never come across such a rude person even when I kept my tone low. At this moment, my wife and I are cancelling the card and we will be reporting Walmart financial services to the Attorney general since they have many reports against them for ripping off fair Canadians.

The WORSE credit card ever! Incompetent staff, hidden charges, archaic online user page. Stay away from this card. There are many 100x better credit cards in Canada that offer better rewards and competent customer service.

I have had a Walmart Mastercard for years and do not carry a balance. When my last bill came in I realized it was incorrect so I called Customer Service then realized I made my payment to another card instead of Walmart, my bad right? Anyway, while they had me on the phone they offered me the Balance Protection Plan which I repeatedly said NO too since I do not usually carry a balance this would be a waste of money. They offered to send me the Plan information in a letter so if I changed my mind I could call and activate. The letter I got was an activation and my credit card was charged $54.00 and apparently I committed to this fee each month. Even if you say NO to the plan but agree to receive the letter you are automatically enrolled. WHAT? It did not matter that I was a long term customer with great credit history with them they tried to OUTSMART me and took advantage. When I called Customer Service they said accepting the letter even though I said NO was an automatic enrolment. When I tried to get this protection plan off my credit card they said I had to call Walmart Financial, although I called Walmart Credit Card that day I phoned to inquire about my balance. They automatically switch sides when you call in hopes they can scam you. I cut up my Walmart Mastercard immediately, if I cannot be respected and they think they have the right to scam me then they do not deserve my loyalty....you give what you get. Be wary if you have a Walmart Mastercard, they will try to catch you off guard and rip you off.

My husband has been using Walmart MasterCard for 4 year if not less and has always maintained very good credit. When he received July 2019 bill and detected two suspicious activities to his card. He immediately reported to the customer service about these two activities. First, after he explained what might have happened to his card, he was given an number to call. He tried that number and it was an automated service only number. He then called the Customer Service the second time and explained every thing again. He was given a another different number to call. The same thing happened as the first time. Then he called again...After spending nearly one hour dealing with them, he was exhausted and realized all these run around phone calls from CS has proved that Walmart Mastercard doesn’t seem to have a way to deal with fraudulent activities to protect their customers at all. He then decided to pay for the fraudulent activities and cancel the card for good. He is lucky that he only had to pay $55 for the fraudsters, but he has completely lost confidence in Walmart Mastercard.

I have had this card since 2014... started with the limit of 1000 then got pre-approved for 1500, then for 5000 and recently for 8600 with the letter that I am a loyal customer and so I am being pre-approved for this credit limit. So, I was late to pay in September because I was out of the country and just skipped out of my mind. Then I lost my card by the time I returned. So, I called Walmart ordered the new card and while waiting for it, as it takes 10 business days to arrive, got a call from a lady asking I am late to pay. I told her the story and she said - ok, not a problem, I will leave a note in the system that you will pay as soon the card arrives as you need the card number to pay. And 2 days later I got a letter my credit limit is lowered to 1500. WHAT? I called customer care and he said this is done automatically by the system we don't do it, the system does. You have not used your whole credit limit you have only spent 1500 in past few months so the limit is lowered to 1500 lol... so he was trying to say if I have 9000 limits i have to use it all. I am still in shock what they have done to me.