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Walmart Credit Card

Approval Odds
Cardholder (132 Reviews)
Application Process
Customer Service
3.7727 5

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Most Helpful Positive Review

More plastic to play with
Helpful to 69 out of 74 people

Ok, not to play with, but it's just funny how excited I get at 43 and get approved for another card while I try and redeem myself. I'm a documentation nut so like my other two cards, I'll be updating this post (via reply) once a month or as more info comes in. A few notes to start with:

My myFico scores are: Experian= 599, Equifax= 643 & Transunion= 633.

CK score: 629 (Just dropped from 696, but I prefer myFico for accuracy, CK for all the cool tools and reviews).

Approved for $300.

I've read many people here state that the application process didn't do a hard inquiry, but from my research it leans more toward that it does (not 100% yet but will be next update). I see a few people referring to Walmart money card which is a totally different animal and is a prepaid. Again, I like love free information on public forums and these reviews, but will see for myself and report back as soon as I know.

The application worried me for a minute because after I submitted it and it said I was approved, the bottom right link said "Pay now". I read the fine print before hand and saw there was no annual fee or member fee, but it certainly had me questioning myself. I clicked the link and the application page reopened with half my information filled in, looking like it was expecting me to fill it out all over again. No idea what happened there, but I did not fill it out again.

This card gets five stars easily for the simple fact that it's the first of my now three (Capital One Secured & Credit One Visa - non secured) that actually gives you a temporary number right away. In fact they currently have a promotion going on that if you spend $75 on Walmart's site the same day you get approved, they will give you $25 off. Now before people run to try for it, I read the fine print on this as well. Only slightly negative thing is that they state the $25 will appear on your statement after your first or second billing cycle. So just don't expect it right away to come off the price. This is also going to end in a couple weeks. I imagine this sort of promotion happens often though. This is verbatim what it says:

"Save $25 when you open a Walmart® Credit Card and spend $75 today (paid as a statement credit). Offer valid September 19, 2013 through January 31, 2014."

I did more research and found some posts on myFico that someone was actually complaining about how fast they reported the information to the credit bureaus. I'm still amazed they were upset. I think I know why but it's because people don't understand the all popular topic of credit utilization. He stated they reported to the credit bureaus after only 3 days from the time he got approved. Another thing I will update next time. If that were the case, and people did take on this promotion to spend at least $75 in order to get $25 back in a month or two, then that would certainly put someone over the comfortable threshold of spending below 30% of a $300 card. If you have questions after reading this next paragraph, either ask by replying, or for faster answers, see my profile and read my Capital One or Credit One posts.

People think credit utilization is a constant. That's just not how it is at all. I only speak facts here folks, but easily checked through a phone call to your bank (don't chat, they're horrible with info I think). The credit card companies normally inform the CRA's the day after your billing cycle closes (not your due date). Most banks that I've researched need at least the close of 2 billing cycles before they do their initial report, then it's every month after (but check with your bank as always). Now when the bank reports your data, they report account status in an "OK", "30 days late", "60 days late", "Charged off", etc,,, fashion. They report your total credit and the balance of your card as of the close of your billing cycle (again, not your due date). ALWAYS call your new credit card bank and ask them when they close your billing cycle. If you pay it in full every month, then this is the date you want to do that by. Due date is only how they formulate interest folks. The bigger thing that people don't seem to understand on these forums are the huge fact that each month the bank reports your data, that current credit utilization replaces the last reported. Does that lower your score? Sure, but only during that exact time frame and nothing more. People think they have a "Score", you don't have a set in stone score, but before I cover that, know that the importance of having a low credit utilization is if you are expecting inquerries. So say you're planning on getting a mortgage or car loan (any loan). Prior to that you would want to be sure your credit utilization is at the lowest you can get it (on average you'll read people state 30% or less). Other than those times, don't sweat it so much. Still do be dilligent in paying your balance to the lowest possible you can by your billing cycle close date, but every 30 days, that data is replaced with the next data reported to the agencies. In the future this will most likely change so always check dates on these posts and always check with your bank. It's you that you need to protect.

Credit Scores:

A credit score doesn't exist until a request is performed. Ever sign up for a credit report, such as from myFico? Ever notice after just a few hours it will once again prompt you to "Get you new score now!!!"? Well, the fact of the matter is that the 3 credit bureaus have different software (people overuse the term algorithm but you probably at least read that somewhere). When an inquerry is sent to that credit bureaus, the software runs the numbers and spits out a score. This score can vary because many things. One main thing is even if you buy your score direct for Experian, Equifax or Transunion, you will get a consumer model and not the lender model. Example: model 98 we get from experian, but the lenders get model 04 (for 2004). Most auto apps have criteria that lenders can set. They can disregard certain things or focus more highly on others. This is one reason your "score" often varies, though mostly it's because we only get the model from before the current (at best). So your credit score is a calculation based on the data in your credit report. So when your credit is "pulled" and a score is requested, that score is calculated through the software, Beacon (software) for Equifax, FICO for Experian (not myFic0) and Empirica for Trans Union. Your credit report changes month to month, mostly by means of automated updates to your file from creditors who report to the bureaus. The differences reflected in that raw data causes changes in your score, but only when those calculations are performed in response to a request for a score.

Sorry for the long read, but if you're trying to better understand, then I'm trying to better help you do so. It pain me to think how long it took me to learn everything I just wrote. I hate how difficult it is to find facts in today's day and age especially. Facts are still facts even though they go ignored, but in this case, these facts cost me lots of money and tonos of grey hair. Hope I at least saved some of you the time and aggravation.

As mentioned long ago, I'll update this with a much shorter read when I have more Walmart specific information to share.

*Keep in mind, this is not a "forum" technically, so if you ask me a question I cannot reply  to you and must reply to my own post. Check back after a day or two and you should have a reply. Sadly Credit Karma doesn't tell you much on their "Recieve email Alerts".

Best of luck folks. Let's go into this new year more prepared I say.

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Danbo777's review was:    


Most Helpful Critical Review

Will not increase CL
Helpful to 23 out of 26 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 (132)

Nice to have
Helpful to 2 out of 3 people

I appplied for this card on 9/23/2015 and received it today, 9/. Approved in 30 seconds with only a limit of $400.00 . My CK scores were trans 686 and EQF 683. My FICO scores on fico8 model are transunion 703, equifax 701, experian 636.

I live in Virginia and only transunion credit report was a hard inquiry by synbank/walmart. Walmart reported 2 days later to all three credit agencies the credit limit with a $0 balance which cause a 2 point increase in my credit score. I have only a 6 month credit history with no negatives. I have two creditcards with capitalone (platium $650 and quicksilver $500 credit limits) and a finger-hut account ($1000 limit) all 3 credit accounts were/are in goodstanding with no late payments or any issues when I applied for this walmart card. Everything is still all good. At each statement on each card I have been at or below 9% balance utilization of limit.

I hope this helps if you are considering a walmart credit card.

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I like to know if the Walmart credit card can be connected to creditkarma to manage accounts regarding card utilization and credit score. If so what is the link to do so. Thank you

Rereb123's reply was:    

DO NOT GET THIS CARD. It is a scam
Helpful to 2 out of 2 people

This is the worst card I have ever seen. I tried to activate my second user credit card. They keep getting the phone number incorrect, cannot set up pin. The phone keeps on hanging up. When put on hold sometimes, it just transfer to a new person, and the whole verification process starts over again. I think in total my secondary user and I have spent over 4 hours for the last two weeks on activating the credit card. Conclusion, the pin still cannot be set up. This is my 4th phone call today, each time at least 20 mins. I really gave up. DO NOT GET THIS CARD. This is the worst customer experience I have ever had.

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Got approved on recon 9/23
Helpful to 3 out of 3 people

I applied back on 7/27 and got the dreaded 7-10 days. Within 72 hours received a denial letter via email. Reapplied yesterday and received another 7-10 day response but called for a recon. First customer service rep flat out told me you're denied and we don't recon. I called a different number and spoke to a gentleman that asked me a few questions such as my name, address, and what credit limit I was looking for. He then transferred me to another lady who asked me the same questions however she did not ask me what credit limit I was requesting. 

She he asked me to provide my cell phone number so that I could receive a 4 digit security code. Phone call came right away and gave her the code. She approved me for $150.00

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Helpful to 1 out of 1 people

Would be good for others if you include the number that you called to make this community better on credit karma

Criticforeveryone's reply was:    

Helpful to 1 out of 1 people

This was the number that I was transferred to 800-480-0205 that granted my approval. Hope this helps.

Rmfor700's reply was:    

Closing asap
Helpful to 3 out of 7 people

I have had this card for about s year. I have made payments on time and never went over the limit. My bill was due last Thursday and I was in the hospital. I got out today and I had about 100 calls from them. And they have called my parents about the same amount. I have no idea how they got my parents number seeing how I have not lived with them in about 30 years but they call them every hour. I called them today and they were so rude to me. 4 days late and I am being harassed. I got 18 calls just today. It might have helped my credit score but it is frying my nerves. I am paying off the $92 I owe and closing it, it is not worth it for my health.

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Pay your bill on time and you won't receive any of these "harassing" phone calls. It's a great card, but we all have to pay on time.

SaulGoodman's reply was:    

Great card for rebuilding credit
Helpful to 2 out of 2 people

When I first applied for the card they gave me a $200 CL I made on time payments for six months then was given a $500 CL I had since put the card on auto pay and make sure my spending habits don't put any card over 18% usage. Five months later I called the synchrony bank backdoor number 800-480-0205, the agent was very polite and professional she asked me what I wanted I told her I was interested in a credit limit increase,  she verified my account and asked me how much I wanted I figured go big so I said $3000 she asked what I made yearly and then placed me on hold for three minutes, then came back and said congratulations you have been approved it only took about another three minutes for it to update and I went back online to the website and my limit was at $3000. I have never had any problems with this card or the customer service, I pay my bills on time like most responsible adults, plus if I do any special financing like six months interest free I set it up by taking the total amount and dividing it by the six months and set it up on auto pay.  See pretty simple pay your bills and you are rewarded,  spend money you don't have along with always keeping a high balance and end up like the rest of the one star rating people on here. 

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Criticforeveryone's review was:    

Write A Reply |
Walmart Store Card
Helpful to 2 out of 2 people

9/2/2015 applied for the Walmart credit card but received the store card instead for $150 CL. 9/4/2015 called to recon ths limit but no luck. CK was 661

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SHANEINCARROLLTON's review was:    

Write A Reply |
Great Card !!!
Helpful to 1 out of 3 people

Never Had Any Problems..With Wal Mart Credit Card..Just Recieved A Letter In The Mail..Upgrading Me To The Wal Mart Mastercard..Strange But Ok..I Guess..:)

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I received the same letter around the same date, I said this was odd. The letter said it would take 60 days. I've been trying to look into this and found nothing. So I said the same thing that you said....Strange But OK...I'll take it..GREAT CARD!!!!!

dlhubert's reply was:    

So far so good :)
Helpful to 1 out of 1 people

Approved with 685 Av Ficos 730 Av CK scores- Initial 900CL but auto-raised to 1100 after 3months. Pay off monthly and keep all credit utilization below 20%. Like the perks, free credit score and discounts too.  

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Unreasonable if you need any grace!
Helpful to 2 out of 6 people

I was excited when I first got my card, I just found between this card and the two others I received almost simultaniously, this one is by far the worst. I was two months behind, went into the store to make a payment only to find out that my account had been closed. I did not receive warning that this would happen. Im really disappointed because I honestly dont think its fair just because im 60 days late when i have always made payments, just to close my account down, Barclays and Capital One are much more gracious. I have been reading about Suncrony Bank online and from what I have read I will never aply for another card from them. They have closed peoples accounts who keep their balance paid off, and they closed mine that was two months late, so you must need a secreat formula to keep them happy.

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Helpful to 1 out of 2 people

Synchrony is horrible.we had all three cards paid off in full thru them and because we went thru a hard year with a hospital closure (mind you they were PAID IN FULL) they closed all 3 accounts. Avoid them at all costs. Crooks and horrible to deal with. B of A is just as bad..

Crysi1982's reply was:    

Helpful to 5 out of 7 people

How about paying your bills on time and you wouldn't have that problem, just my opinion....

swole314's reply was:    


Bills are supposed to be paid on time. It's not Synchrony Bank's fault that you broke their trust.

SaulGoodman's reply was:    

So happy to get this card.
Helpful to 2 out of 3 people

I applied for this card back in November and they denied me I have been rebuilding my credit since then and I applied last month and got $800 limit.  I was so happy.  I cannot wait till Christmas and hopefully by then I will have a CL increase and be able to continue to build my credit.  I also have a capital one card and a quick silver, I have had my limits one those increased twice already,.  No issues to report so far, lovin it.

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Helpful to 1 out of 1 people

I got a walmart card too with average cool thing about this card for your christmas shopping at walmart is from time to time, actually quite often, you can buy minimum amount of purchases to get zero percent interest for a while (from $150 for 6 months no interest to $500 with 24 months no interest) one catch is you have to pay the balance in full before the zero percent interest expires otherwise if you still have a balance after expiration date the interest accrues from your purchase date will be added) anyway, much better than layaway....I will use it for christmas too (I got a $1, 000 limit which is all i need.)

ppdeck's reply 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.

Walmart Credit Card