Walmart MASTERCARD Consumer Reviews

I was away in a different country, the borders were closed due to Covid-19 when I returned 9 months later. They cancelled my Walmart Mastercard. I had close to $600 in reward dollars. They took that, customer service was a nightmare. Never again, read reviews before trusting these scam credit card companies. Walmart rewards belong to Capital One. What's in your wallet. Certainly isn't Walmart rewards or Capital One. And for the record was is Walmart supporting these thieves.

ZERO OUT OF 5!!! This is the most terrible experience I've ever had with credit cards. I called their customer service number to close my Walmart Mastercard but someone convinced me not to close it instead avail of balance transfer promo which I can pay it for 6 months (installment/divided equally). I said ok I will get it to make an easy equal monthly installment payment for 6 months. They said they will send me cheques which I can fill up for 4,400. I did fill the cheques, deposit to our account then after clearing I fully paid one of my visa cards. When I received the 1st statement which includes this balance transfer thing, it says my outstanding balance is my recent expenses + total balance transfer that I borrowed. What did I divide the B transfer promo to 6 months and added my recent purchases and paid that? When I received the next statement they charged me a huge amount for both purchase interest & cash interest. I called them why and they said I did not fully pay all the balance in my account. They said including the balance transfer. OMG! I was advised to pay it for 6 equal monthly payment & now they charged me with purchase & cash interests which not supposed to be. I paid huge interest for this non-sense, not helpful company I can say greedy. Will close this card soon after I fully paid this company full of lies!!!

Avoid Walmart MasterCard. We have had a merchant dispute with them since the beginning of August that is still not closed. We submitted phone recordings and 25 pages of evidence that the merchant did not provide the service we were charged for and broke federal law. Walmart MasterCard has given us 3 different dates that the dispute was supposed to be closed in our favour on. They have lied, changed their rules multiple times, and have not been forthcoming with info. They gave us just 15 days to send our evidence and have given the merchant 3 months to respond (which they still have not). Getting a hold of them has been a nightmare. We can't wait to cut up our cards and be done with them.

I have been put through hell and back with the security team over the last few months. It took everything out of me to deal with a fraud charge of $500 dollars. (Charge From the USA, and I live in Canada). Originally they removed the charge and said they will investigate it. 2 months later they called me back saying they regret to inform me that I am responsible for paying the charge. Anyone I tell this story to says how fishy it is and that it’s not right. I don’t appreciate how the security dealt with it. She was not helpful at all. I spoke with the supervisor who was actually really nice but I’m still upset about the whole situation. Their investigation sounds completely made up and I do not trust them at all. I paid the remaining balance on my credit card and cancelled my account with them. They didn’t fight for me to stay or anything. I’ve been with them for a few years and have an incredible credit score. It’s so sad how they treat their loyal customers. I have so much to say. But please do not go with this company. I was able to get a new credit card with a popular company and I feel safe about it. When I checked the reviews for Walmart MasterCard I noticed people have had a similar experience so I realize this is an ongoing issue. I wish I checked the reviews before I even applied for this card. Thanks for reading my review and I hope it can help someone.

DO NOT USE THIS CARD.

My 83 year old aunt used the card 2-3x per months for the last 10 years. Only 1 pre-auth. Someone called Mastercard and got a new card with her name and a different number and bought 12k in gift cards (and 1 gas and McD's) in just over 4 weeks.

Walmart sent it to collections and would not even listen to us when we called to deal with. They told us "not our problem" Their fraud systems should have picked up dozens of gift cards which was not her pattern.

Dealing with police now. Wasted hours...

Be aware they will give you the wrong information!
My credit was 2000.
I want to buy a voyage that cost 3000 and the agent tells me to make a payment of 1800 which will allow them to have the extra money and they will apply it to buy the ticket.
The money comes in and I have 3800.
The surprise is they will not use this 1800 they will keep it on the side and when you need to pay a payment on your credit card they apply it for payment so the money 1800 I paid I can’t use and will be only for payment so now I am financing Walmart also they will not pay back the money or return it.
Don’t use this credit card company or Walmart
I have filed a complaint with the Bureau de cunsomateur Quebec they say they can’t do that
So we are waiting...

Bunch of scammers!
They continue to add an over-limit fee when I'm not over and refuse to waive it.
Worst customer service representatives, they do not actually assist - it's all scripted responses.
HIGH interest rates.
Save yourself the hassle!

Don't fall for the Walmart cashier spiel about getting a $25.00 credit on your first statement. It'll never happen, trust me.

Customer service representatives are very deceitful... I called a few times to rectify an issue and everything was being given different answers...

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.