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Walmart Credit Card

Approval Odds
Cardholder (126 Reviews)
Application Process
Customer Service
3.8094999790192 5

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Most Helpful Positive Review

More plastic to play with
Helpful to 62 out of 65 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 19 out of 21 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 (126)

Great Card !!!

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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So far so good :)

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 0 out of 3 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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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 2 out of 2 people

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

swole314'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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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:    

Helpful to 8 out of 8 people


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Alejandro2786's review was:    

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Helpful to 2 out of 2 people

to date no complaints

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WalMart Credit Limit Increase
Helpful to 10 out of 11 people

Pretty darn awesome!!!! After time after time after time logging onto my account online and hitting that luv button looking for a credit liimit increase and being denied time after time after time after time, i decided some advice from some of the experts from this site.  I gave in, took a deep breath and decided what the heck, call the backdoor number for customer service and verbally request a credit limit increase.  The entire phone call took less than 5 minutes, the rep verifited my info for security purposes, asked me how much of a limit I was looking for.  This is where I got nervous and paused.  My current limit is $600, I wanted it to be at least $1000, and I remember reading that you should ask for at least double your current limit or more to give them room to counter offer, so, I told him I would like at least a $2500 limit and if not now, how long would I have to wait for a limit like that.  He gave me the "may I place you on hold for 3 minutes to review your credit report in a soft pull......".  Not even 10 seconds on hold, he was back on the line with me and says, "I have great news for you, I was able to increase your limit to $2500 and it will be available to you in a few seconds, congratulions!"  I wasn't expecting to get that amount, but it's nice to know I was able to.  My last increase was in December 2014 from $400 to $600, so this is a nice steop up for me.  So if any of you are thinking about requesting a limit increase, I suggest calling the backdoor number, 800-480-0205, I got way better results than I did hitting that luv button online. By the way, last year this time, I was behind 3 months on my payments and they worked with me, asking me how much coudl I pay per month and on which day of the month could I make that payment, there was no minimum amount required, that was completely up to me and what I honestly thought I could send it.  They've been great to deal with so far.  

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Applied & Approved :-)
Helpful to 4 out of 5 people

Was on Walmart Website and was looking for some sandals for the Summer. Noticed that they had an offer of open up a credit card account with them and spend $75.00 worth and they will give me $25.00 credit off my bill of purchases. So I thought that would be a great way to start my account. I was approved right off the bat with a $400.00 credit limit. My CK Score is 652. Now two weeks ago I also applied for my FINGERHUT Credit Card was was instantly approved for $800.00 Limit.  I have my $500 Capital One SECURED Card and My QuickSilverOne Capt. One card with $2,500.00 credit limit on it. My score has gone up the charts and improved so much more now and I'm finally in the good credit rating. Now I Discover and Chase credit card offers being offered at me. But I'm happy with my credit cards and 4 of them is Plenty for me. On top of a car loan that I just took out 2 weeks ago through Sharon Credit Union on a 2012 Kia Rio. I'm hoping that with this being my first time having a Walmart Credit Card that they do frequent credit increases as time passes. Cause I can't really use much on my card but $50 really. I need more room to breathe on that card. I'm hoping by Christmas time I'll have more of a credit line increase. We will see...

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second worst card I have had
Helpful to 5 out of 7 people

If I could give walmart zero stars, or half a star, I would.  I started off with a 500 CL and after around 8 months they lowered it to 230 and said it was based on my credit score.  When first off, my score was higher than when I was approved for the card.  Not only did they lower my CL down to 230, I owed 234 at the time they lowered it, and had to play overage charges.  Since then my minimum payment went from 25 dollars to 35 dollars.  I have a card with a CL of over 1,000 dollars and the minimum payment isnt even 35 dollars.  When I spoke to a represenative about my CL decrease she replied, "I'm showing that your credit limit went from 12,000 to 15,000 in the last month." I wish she could have seen my face, the lady just gave me someone elses credit limit information and when I replied, "That is so wrong." She then caught onto the mistake she made. My husband has had this card for as long as I have, and has missed several payments and has had 3 CL increases in the last 6 months.  This is the most backwards and ridiculous card I've had. As soon as I pay it off I'm cancelling it. Good bye forever! 

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Walmart credit card sucks, and their customer service. Payed mine off and closed it!!

babs218's reply was:    


mine is better than that started out with 300 dollars cl i use to work for walmart. paid the account for 8 and half years asked to 200 dollar increase 4 times during the time they said no the bank is no good so after trying to pay my bills for 8 and half years is said to them if i fill bankrucky would you keep the account open since i have not missed a payment. they said policy would close the account so paying your bills is crap . it really does not matter does it. in this case i added them to bankrupcy with no regrets because it was the correct thing to do. lawyer agreed

mmintnp's reply was:    

Horrible Service
Helpful to 2 out of 5 people

They withdrew $383.52 without my approval and they mentioned that I went online and set up automatic payment. Even if I did, you would think that it would take out the minimum payment and not the full amount. This bank is a fraud. Watch out, they are affiliated with the JC Penneys card also. That card did the same also. I closed both accounts. No benefits in being screwed every month.

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brokeinnchain'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.

Walmart Credit Card

126 Reviews