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Walmart® Credit Card

Approval Odds
Application Process
Customer Service
3.8 5
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Most Helpful Positive Review

Aug 31, 2012

Helpful to 27 out of 28 people

approved for $700 limit instantly online with ck score of 650. have had a visa card with a $500 limit for about 10 months with perfect payment history and an auto loan for $5000 for 9 months with perfect payment history. not sure if i  got the discover card or not yet( i think i might have because it said something about discounts on gas for the discover only and it was in my card details) either way im content with the limit for now. ive also read that they do very well when reporting to all major creditors and i do shop there frequently. they also give tons of promotional no interest for___ months with certain purchase amounts. thats pretty cool. i know they are a little slow when it comes to processing payments online, but then again so is my other cc. i do know the interest is awful though. i got 21% apr...ouch. but i am very good at avoiding interest so it doesnt really bother me. overall if i was going to go for any retail card it would have to be this one because of the amount of time i shop here. there was also some mention of credit limits being raised quite frequently, looking forward to freeing up some of that cc utalization!

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reneenay5150's review was:    

 

Most Helpful Critical Review

Jul 15, 2013

Will not increase CL
Helpful to 7 out of 7 people

I applied for this card in 2010 when my score was 526 - instantly approved for $300. Never late, never overlimit. Reduced my CL to $100 (What's that gonna buy?) and have tried to get it higher since. Applied for CLI today (CK 691), and DENIED! Called backdoor and DENIED!!! I'm not going to use this card anymore because I cannot even but groceries without going from 0% to 100%+!

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bast553's review was:    

 

Reviews (112)

Mar 02, 2015

Best credit card ever!!

I love this c.c., not only well they approve you, they also increase the amount frequently

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Feb 04, 2015

Easy process, my first credit card
Helpful to 1 out of 1 people

I tried applying and was denied because my credit history wasn't established and they said it was too short (less than 1yr). So I reapplied about a year later (Apr 2014) easy process (online or in-store). I was approved with a score in the mid 6s for $800. A few months later it was automatically increased to 1300. I make full payments every month and except for 2 or 3 times. My score went up 60 points from April to Sept (fico 677>739). Walmart gives u a free monthly FICO score and they tell u the two greatest factors lowering your score. Interest is figured out by the cards average monthly balance and has been between 5-10 on balance 300-500. The late fee is the same as the minimum payment (35). Overall I'm happy. Walmart had my fico score at 710 when my Trans Union score on here was 653. As of Jan 2014.

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antmicrey's review was:    

 
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Feb 04, 2015

Also forgot to mention that customer service answers quickly and real polite when discussing charges.

antmicrey's reply was:    

 

Feb 02, 2015

Garbage

1st they decreased my limit from 2200 to 1200 for no apparant reason.  Fine.  A few months later (2 years ago) I was locked out of online login to my account.  I spoke to about 100 people in India and no help at all. They tell me "you are not locked out buddy".  Now it justs asks for my account number and then says "we are having technical issues" after I input it.  Paying over the phone or at Walmart are my only options.  To pay over the phone you need 20 minutes of talking to a robot.  Since this dilemna, they have convenietly raked in 7 late payment fees.  I have 5 other CC's and do not pay late thanks to online account managment.  

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Jan 31, 2015

Walmart MasterCard usage
Helpful to 0 out of 1 people

Can you use this card everywhere? Not just Walmart or Sam's Club?

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MzPepper's review was:    

 
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Jan 21, 2015

Cash!
Helpful to 2 out of 3 people

I have the card  with a high limit .....I saw a TV for 600 dollars ....i had cash ..paid for it with cash ...Problem Solved welcome to debt free living.

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Feb 22, 2015

Helpful to 1 out of 1 people

yes but could of done same thing with credit card and paid back balance before end of month then no interest just the minimum charge usually like $2.00 to $5.00 a month just for having card that your paying regardless if used or not
so very very smart....not unfortunately you have to have good credit in life if you ever want to own your own things like house or car unless your rich but I doubt it so..

thattennesseeguy's reply was:    

 

Jan 21, 2015

DO NOT GO FOR IT
Helpful to 0 out of 1 people

I've been using this card for 6months + now ; Customer Serivice not availble on weekends!! (Really???) and online portal for transaction tracking and statment details is highly user unfreindly.

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Jan 16, 2015

Use it for what it is...

I received this card with a CK score of 626. CK said I had a poor chance of getting it, but I already financed my furniture with the bank that it's through so I figured what the heck. When I applied I received the "7-10" notice via email and figured that I was not approved. Then I did some research and found that it didn't truly mean I wasn't approved. I called up the customer service and asked them what was going on and come to find out I filled out the application incorrectly in one of the areas (which was my salary info). I gave them my annual, and was approved for $500. Now it's not much but it'll do for now. I plan on using it and paying it off before the due date.

Tips: once you receive this card, you can add an authorized user and it will report on their credit report as well. I would only advise you to do so if you are actually going to be responsible and trust the other person.

DO NOT MAKE SMALL PAYMENT THROUGH YOUR BANK! They will put a "7-10" hold on your payment;however, it will show that you made a payment but your available balance will not update until the hold is lifted. Go into the store and make a payment! You'll need both cards and it'll post quickly.

My plan is to request an increase in a couple months. I shop at WalMart normally so it's pretty easy. I currently have 2 CapOne cards, an Ashley Furniture, and a WalMart card :-)! 

Good luck to you all!

- Phresh

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iFxWitPhresh's review was:    

 
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Feb 14, 2015

iFxWitPhre: WOW, thats good..I applied on line right after Christmas and was approved for $150, i used it and paid my first bill on time & 25 more than the minium. When you think i can get and increase on this credit card

amanijohn425's reply was:    

 

Jan 19, 2015

What bureau did they pull from? I want to apply but wanted to know in order to make my decision.

Kenziemom2's reply was:    

 

Jan 06, 2015

2 yrs and still no increase!
Helpful to 2 out of 2 people

I have had my Walmart CC for 2 yrs now. I was initially approved for 600 CL. I also have two Capital One cards. I had one before I got WM and one after. I pay my CC bills in full each month and way before the due date. After 2 yrs, I am still at 600 with WM whereas my Capital One ( that I got after WM) is at 5000. I did apply for an increase 18 months ago but got denied. The letter mentioned something about my credit score which I don't feel should have even come up if you approved me with a credit score that was lower when I got the card. I have found this card to come in handy but I can just use my Capital One if I needed to get anything from WM. I am not going to continue to deal with them in this manner when my payment history is not being rewarded. I plan to close this account and just use my C1 card. I feel more appreciated with C1.

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Jan 06, 2015

Great for me
Helpful to 2 out of 2 people

I've had this card for 3 years. Use it off and on, carrying a moderate balance. Started with a 1000 cl, now it's 4900.  I have never asked for a cl increase. They automatically increase it every few months or so.  My fc was 640 when applied, now its 760. 

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Jan 04, 2015

Another CLI
Helpful to 1 out of 2 people

started out with $500cl about a year ago.. i used and paid in full by the due date now i have a $2700Cl

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Ritzy627's review was:    

 
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Company Overview

The Wal-Mart Credit Card is offered by GE Money Bank for Wal-Mart customers. Credit card benefits may include online account management and cash promotions for approved applications. Online account access includes credit card statements, payments, request for credit limit increases, and email and phone alerts.

Established in 1962 in Rogers, Arkansas, Wal-Mart is a discount retailer that currently serves fifteen countries worldwide.Known for its motto “save money. live better”, Wal-Mart is recognized by its bright blue warehouse-like buildings and it's white logo. Products span an array of household items, automotive, food, and more. With its popularity, Wal-Mart has also been scrutinized for its business practices. Consumers are concerned about Wal-Mart’s lack of benefits for its employees, hiring practices, and the circumstances of small businesses driven out by Wal-Mart competition.

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