Walmart Credit Card Reviews

They give you a good credit line and the decrease it 6 months later even though you pay your bill monthly on time. Now my credit score has gone down because it looks like I am over my balance and have more debt to available credit than I do.

I had this card for 2 years. Paid off my balance, they closed my account without telling me.

Well, like everyone else here my credit line was reduced to less than the opening line. I had 2 MAJOR cards raise my line while they were lowering mine. Called and they said they would put it under review and I should hear from them within 30 days in regards to a credit line increase. I have never been late with a payment to them and overpay each month. I have had the card for a year and a half. If they don't raise it i will be cancelling the card immediately. Customer service there is horrible and I am pretty sure they aren't even in the US.

Have had numerous increases, up to 4700 limit now. They just regularly give me line increases for paying on time.

Very very bad......stay away from  Synchrony/Walmart Credit Card !!!!!!

I have had this card for a year and a half. Beware when you pay your balance they will drop your credit line. I made a payment to drop my usage below 30 percent and they lowered my limit so that my card was maxed out. Yuck!

Worst costumer service ever, they dont help you at all, their employee give false information, and they keep changing while you continue calling. They drop down your credit limit without notice you, and thats increase your % of usage, something that cause your credit score to drop. So do not apply for it.

I recently had to report several fraudulent charges on my card. After a lengthy investigation, I was credited for a portion of the charges. However, they would not credit me for the payments I made on the account while the charges were being accrued. Therefore, the total balance I was responsible for did not change. The only thing they did instead was review my credit history, lower my limit, and refund a portion of the charges. The payments I had been making over the last several months did not reflect my total balance, but instead went toward the fraudulent activity. After explaining this to a supervisor, Ryan, I was hung up on because he was frustrated and didn't understand simple math. Seven months of good standing payment history should reflect a lower balance than what I currently have. I called back and spoke to another supervisor who didn't understand either. After getting nowhere with this, I have decided to close my account for good, which affects my credit. NOT HAPPY about this at all. Get some people in customer service who understand charge disputes and can do more than read from a script and press a few buttons on a computer. You lost a loyal customer and I will be closing my other credit cards with Synchrony as well. DO NOT do business with this company unless you want to deal with invasive credit pulls, high interest rates, and elementary educated representatives.

I have had a Walmart card for years. Account always in good standing and would pay it off every few months. I noticed each time I paid it off they would the delay the credit of the payment for at least 10 days and take 2 months to report it to the credit bureau's. They also attempted to charge interest on the balance between the time the pay off was made and they actually applied it to the account. I caught them and got them to reverse the interest. I just paid it off again and when checking my credit, discovered the account had been closed. I called them and was told it was "due to inactivity". I just paid it off! These people are horrible to deal with. Never get the same answer twice. Stay away if you can and pay with your debit card or cash. Not worth the headaches.

Applied with a credit karma score of 565. Was approved instantly with a CL of $500!