Walmart MASTERCARD Consumer Reviews

I got the Walmart master card recently and had no problem for several months, but today my card was declined at a Mississauga Walmart outlet. My payments were up to date. The customer care people at the location were not able to help me so I called the number 1883316133 several times and contacted a gentleman who was very rude and incomprehensive. After some stupid questions, he was suggesting ultimately closing my account and hung up this incident happened around 5.00 pm on 17 September. Around 6.00 pm another girl called me and she was asking for my driver's license number to unblock my card which is ridiculous!
They were interrogating me as a common criminal! The worst ever experience in my life with a credit card.

If there was 0 stars I would rate this card a 0. Their customer service is terrible, I called them multiple times for the same issue with 0 help, I felt like I was begging for assistance.

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.

The customer service is horrible. Good luck trying to speak to a person, who has the ability to communicate in English. The wait times are outrageous. My account was hacked/manipulated - and all my rewards money was gone. Then, the account was closed - without my permission. Incompetent employees. Will not likely ever open another account with them. The interest rate is one of the worst among retail stores. Avoid at all costs. I paid off the balance owed and ask to have the account closed. Pathetic is an understatement.

It took 57 minutes to resolve a simple question. I was passed from agent to agent. Most could not understand my question. I will be cancelling my credit card because I am seriously concerned that if I actually had an important question that there is no way it would be handled in a professional manner.

Beware. Don't get misled by the various paid (fake) reviews about the Walmart rewards card. Look at the actual customer reviews which will open your eyes. Except for the 'rewards' that you can use only at Walmart, this is a very bad card with horrible customer support. If you have any dispute then God saves you. First, call customer support. They say 'you have to wait until the merchant charges your card, right now it is pending merchant action'. But I realized this is a fraudulent merchant with a fake website, can't you stop them from charging my card? 'No, we can't do that'. Ok, so you call 'after' the card is charged. you get transferred to their 'security' team. they waste 15-20 minutes of your time and then say that 'this should be handled by our dispute team' and they transfer you there. The 'dispute' team wastes another 15 minutes of your time and then says 'oh this is a 'world' master card so we have to transfer you to another dispute team'... 15-20 more minutes then they say 'ok we can create the dispute but you have to call the 'actual' dispute team who work only Monday to Friday 8 am to 5 pm'. Really? 'and we cannot provide you the direct number of that team, you have to go through support'. Really? So the time of their teams is important but the customer's time is not? Does a customer have to waste hours just to file a dispute for a fraudulent transaction? And why should the customer be thrown around between their various departments? None of their customer support seems to be empowered to do 'anything' other than say the same standard statements again and again like a parrot. worst ever.

Money was withdrawn from my Mastercard over $3000 without my knowledge. Put in a dispute and it took over 1 year to solve it. While interest was accumulating. At last, they found out that I didn't use the money it was fraud they put back the exact amount that was withdrawn and charged me the interest for the fraud money I called customer service many times and they kept on tossing me around, at last, I got a supervisor who told me that I had to pay the interest because I was not doing a minimum payment for the fraud money. I asked him if was that my problem and said yes. And now my account was sent to a credit union they are calling every day my credit is bad due to the money I didn't use so please be careful with Walmart Mastercard. Not good! I need some help on how can fight this...

Phoned them on a Thursday and said I’m going out of province and was told zero issues will happen.
Left Friday. Saturday morning my card was blocked. Told them I had to fax them documents. Currently, Monday 3 days 12 times faxing documents and all I’m told is they are sorry for the inconvenience. I wish I had never applied for this card. Avoid at all costs

I tried to cancel my card unsuccessfully for 4 months. I called customer service each month and was told it was my final bill, only to get another one. My last bill included new transactions even though I no longer had the card. I called to inquire and was told I had asked for installments on purchase months previous but I had not. I asked again for the final bill and if they could at least credit me the interest. I was told no and when I asked for a supervisor was told there was none Then the representative hung up on me!

I have had a Mastercard with Walmart for more than 7 years. I always did my best to pay the balances. During the last 2 years (the Covid-19 lockdown period), I did my best to make my minimum payments given all the loss of work and income I have had to endure. In June 2022 I was able to reduce my balance to 80% and was happy because at least now I thought this would help my credit. Last week I received an email informing me that Walmart reduced my credit limit to what has now become my maximum balance owing. As a result, my monthly interest payments have increased and my credit looks worse than ever. I still do not understand their reasoning for doing this, because this has further destroyed my credit by making me have a ratio of 90% use of my Mastercard.
Thanks, Walmart for ruining my credit! You don't help people but destroy them.