Walmart MASTERCARD Consumer Reviews

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.

Rude agents. They don’t know how to answer a query and will just hang up on you or transfer you to their co-agents. They’ll say you’ll be put on hold but will either drop the call or transfer you to another agent and will let you repeat all your info and reason for the call until you’re tired of complaining and will just leave the charges undisputed. Agents will mock you by asking “why do you need more money” when all I was just asking was “why did my purchase of 1,500$ didn’t push through even if my credit limit is 4,500$ and this was my first purchase...” the agent answered back in a laughing manner “I can’t do anything” then I requested to be transferred to a supervisor the agent said “we are all agents here, same position no manager” then hang up. As if I was talking to uuprofessionals without proper product training.

Just got a Walmart Mastercard and within 1 month they lowered my limit because I used the cash advance feature. I never even went close to the limit, their inadequate security department called and said: your credit limit is now 1000, and hung up... They are rude and not following the Financial Consumer Agency of Canada Rules! Maybe they should be sued. I will pay the 150 dollars I owe and send them their card back ( who knows they might decide to charge customers for making the card too)! What a joke they are! Canadians don’t need this crappy card!

I applied for this card because I often shop at Walmart as a mother of 3. When I applied, I was approved for 2k. Shortly afterwards, towards Christmas, they offered an increase to $9500. I accepted because of upcoming expenses. The moment you reach your limit, they drop your limit without notice so they can charge you over-limit fee, etc. Their customer service is horrible. A missed monthly payment for whatever reason will result in non-stop calls probably 8 times a day and without leaving a voice message. The monthly payments are absolutely ridiculous. They will never work with a customer to keep their relationship. They also closed my card without notice. Anyways, a huge lesson learned. Stick with major or known bank credit cards. These retail creditors clearly do not have sufficient funds to keep their business afloat which is why they will harass and ruin any peace of mind. I have several credit cards and maintain a great relationship with them credit-wise. However, with Walmart, it was very difficult. Their customer service and customer communication are poor. This card ruined my credit score. I highly recommend all consumers to apply elsewhere. They are not worth the rewards (very minimal) nor a continuous headache.

Worst ever card and customer service. Lady in customer service is very rude and never want to help the customer. Her attitude is to make difficulties for the customer instead of help. Stay a thousand miles away from this card.

Their employee (Walmart Canada) lied about bonus dollars for signing up for credit card. They used my address where I never lived. Probably kept sending statements at the wrong address, and later reported to the credit bureau. Their customer service never accepts their mistake. I will stay away from Walmart credit card in future.

Check your Walmart credit cards people. This sleazy company automatically charges you MONTHLY without your signature. Greasy way to do business

I, recently, got married, I called to change my name and was given 2 option I can fax my marriage certificate and ID or mail so I took both option info. Later that day (3 months ago) I faxed! After 2 months I called to ask what’s up, they said they didn’t get it (funny cuz fax was received) so I was given mailing address again and send info in with a letter and notes on their computers (and the same I did for the Costco card). Last week received a Cosco card! So today June 19 - I call! The guy on the phone was so rude to me, treating me like I’m dumb and blaming me saying he won’t give me address cuz I’ll just confirm that that’s the one I sent it to. After arguing with him for 10 minutes (trying to get the address) I finally hung up! I have had enough with this company and use and pay off my card and have been since 2011! Every time I call - it’s a fight whether it be limit change (because they decide after I make a $2000 payment they will drop my limit) without notice. Had fraud issues and it was a fight! They refused for months to take the insurance off, and info change!

Horrible experience! Calling them back to see why they called me... They refused me access to my account, for answering a question correctly but the information isn't up to date in their system and they penalized me... Refused access to my card or even to talk with anyone... THEY REFUSED TO GIVE EMPLOYEE ID or NAME../ REFUSED to escalate to a manager!

I bought a product online with Walmart MasterCard. After entering the wrong SecureCode at the final step, the card got "Hold". I reset the code, called customer care. They said, it's all OK and the payment will go through. But here my problem starts. The hold on my card continued even on offline transactions. Wherever I tapped or inserted my card, it "declined". Called, Walmart MasterCard people, again and again, almost 4 times. Every time got the answer, "Everything is OK now. You will not have any problem" but the same story continues till now. Also, even after assurance at the end of every call, got another, to reassure if I am the right person. If you miss that call, hold continues and if you pick that call and verify your identity, the hold still continues. As a result, I lost that great deal of almost $400 savings, the order was cancelled and the product was no more there on a deal. WORST!! WORST!! WORST!!! experience with Walmart MasterCard.