Walmart MASTERCARD Consumer Reviews

Definitely, it's not worth it to get it cause they have very high-interest rates. Walmart makes money by not allowing the customer to check the outstanding amount at Walmart. So if you go to Walmart and ask them to check the outstanding amount, they wouldn't know. It's a no Brainerd for them to do that as some customers might miss a payment... The only good thing is the customer service, but the marketing idea is really poor. I suggest not getting one if you have a CC with a bank.

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Money was withdrawn from my Mastercard over $3000 without my knowledge.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 At last, they found out that I didn't use the money it was fraud they put back the exact amount that was withdrawn and charged me the interest for the fraud money I called customer service many times and they kept on tossing me around, at last, I got a supervisor who told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 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 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.

Went to Walmart and they convinced me to apply for the Walmart Mastercard. Gave the cashier my ID she punched it in and approved it right away. I called customer service a few days later and they verified my details and told me the card was already sent out. After 10 days no card. Called in today to check on the card. They tell me it was never sent out because of an address problem. They transfer me to the security department where "Penny" in the Philippines answers. He tells me the address is wrong. I give them the same address on my ID. They said my address is wrong and I said okay do you want me to send you my ID? The response from Penny "Sir I'm trying to do a check". He kept talking to me like I was a 5-year-old child. So this so-called "Penny" goes on and on, "sir I'm working". I asked what was wrong with the address. "Sir I'm working". He said I cannot tell you what's wrong even after confirming my details were correct. He then ends the call by telling me I have to go sir and I will call you back in one hour. As many have mentioned here the security department never calls back. Waited 3 hours and called back again. Same song and dance. Customer service tells me the card is approved and will be sent out. I told them I want to speak to the security department. They again confirmed to address the problem and I have to call you back today. No call. Completely brain dead. The cashier entered in all my details and they make it sound like I am a criminal. I wish the bank behind this Walmart Mastercard would ask me to call them. I would love to speak to these people.

Walmart Rewards Mastercard is the worst card I have ever experienced. Customer service is the worst, I waisted about 15 total hours to explain to them that I haven't received my card and was charged for interest. The delay was from their end. They informed me that I will get $10 the first time using the card, and then when I decided to use it, they informed me that I am not eligible for that $10 because I did not use it in the first month. People in customer service are not qualified people and don't know what does customer service representative mean. I will cancel my membership as soon as I got rid of the interest charges I got because of their delays.

They have added my rewards value of money to my debts to be paid by me!