Walmart MASTERCARD Consumer Reviews

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

I lost my card, called in May for a replacement never received the card replacement, and never received a request for payment. In June received a collection letter.
Called on June 27 got the total amount owed and paid, and tried to cancel, they never answer the cancel call so I could not cancel.
Called again on July 7 they informed me there was no outstanding payment, then again I tried to cancel. They sent me to 3 different customer service representatives the last one hung up the phone on me.
They say I will not have any issue if I don't cancel the card, just leave it, because I don`t have any outstanding value to pay.
I don`t trust them.
Because of this, my credit report is down by 150 points. What can come next?
I have to give one star to the customer service because there isn't an option of ZERO STARS.

I’ve been lied to for the past three weeks by customer service agents in Walmart Mastercard. My account has been locked for a while and all I have been trying to do is unlock it. The agents pick up and tell me that they’ll give me a call later after they identify the issue but they never end up calling me. So dissatisfied and I wish I didn’t sign up for this.

1. It takes 30 days to get your card
2. They don't tell you that if you don't use it for 6 months they cancel your card & charge your $10
3. If you make an overpayment it takes over 3 months to get your $$ credit & if you don't use it within the 6 months they then deduct the overpayment $10... Not about 10 bucks but principle!!!
4. If your balance is $5 & not paid for whatever reason they harass you daily with phone calls yet they take months to refund an overpayment
5. Avoid this credit card & go through a reputable bank for credit - Walmart is a complete SCAM & UNREPUTABLE

About two or three times a year my card gets frozen with no notice. I have to call to security centre to confirm recent purchases and payments. It is absolutely ridiculous as it isn’t even triggered by large purchases. It was triggered by me travelling to a city 2 hours from home which is a regular trip I’ve made every 6-8 weeks for the last 8 years! They don’t call you, you just find out when you are trying to make a purchase and find your card is declined. It’s very embarrassing considering I’m never over my limit and I pay it off in full every month. The phone call to get everything straightened around takes a minimum of 15 minutes plus an extra 10 to get it ‘through the system’. The last time this happened I had only taken the one card in with me, not my entire purse so I couldn’t just whip out another card or cash to pay.

They froze it at Christmas time when I was ordering gifts during the Black Friday sales. Had email confirmations of all the orders. The next time I shopped in the store I found out my card had been frozen. Made the call, and got everything fixed. The following week when I realized I hadn’t gotten any notices that any online purchases were shipped I went back to all the websites only to find all the orders were cancelled because the Walmart Credit Card wouldn’t authorize the purchases. I ended up having to reorder everything at a regular price (what I could find still in stock).

I have also a Visa card as well and they’ve never frozen my card. I’ve had a couple of calls from them over the years verifying purchases but they’ve never frozen my card.

I’ve finally reached my breaking point and am now in the process of applying for a replacement Master Card from another financial institution.

My Walmart Mastercard was compromised, and Walmart investigated and removed the purchase. They then recharged the amount to a cancelled card with no notification saying it was my purchase. I received a past-due bill three months later. I disputed this charge again, little did I know at the time that my personal information had been stolen. Due to their poor customer service, protection of my personal information and lack of due diligence investigating I was a victim of identity theft and fraud but left to deal with this alone, Walmart took no responsibility or offered assistance. Definitely do not get a credit card from them, totally incompetent.

I will be withdrawing this card as the basic feature to make the payment is so complicated.

If you don’t use it for 6 months they cancel your card & slap a high inactive charge on you!
Have been waiting for a $189 refund due to overpaying for 5 months & the answer I keep getting is “check is in the mail” plus once 6 more Ki this passes they’ll decrease my refund by another $10 - so I overpaid $189 & only being refunded $169
Avoid this SCAM credit card!!!!

One of the worst credit cards

They have this nasty habit of making your limit exceed (they call it a common curiosity advancement) but then hit you up with a nasty over-limit penalty.
Watch out for this credit card its a scam.
Again horrible service I called and I asked for a supervisor and they disconnected twice. And keep giving me the run around to resolve my problems.

You have to contact customer support to just understand the statement. When you export the statement to CSV and do the math, it never matches. What they say you owe is always much higher than what you calculate.

Customer service is poor. You have to call for everything, during business hours and waste an hour waiting in line etc.

Their "secure communication" option is a Joke. No matter what you ask there, they send the same template answer as below:

Agent Comment
POSTED ON JUN 15, 2022
Thank you for your recent communication regarding your Walmart Rewards Mastercard. Unfortunately, your request can not be resolved through this channel. Please contact a customer service agent at the number shown on the back of your card.