Walmart credit card can only be used to shop at Walmart stores or Walmart.com. However, the other variant, which is Walmart MasterCard, can be used anywhere MasterCard is accepted.
With their US $480 billion earning in 2016, it is safe to say that Walmart is the world’s largest discount-store retailer. To make the shopping experience of their millions of shoppers easier, Walmart offers its own credit card which is called Walmart Credit Card or Walmart MasterCard.
Like Toys R US, the card is issued by Synchrony Bank and offers a saving of $35 on your first purchase of $35 or more. Moreover, with their 3-2-1 saves reward offer, they let their customers save money every day 3% on purchases made on Walmart.com, 2% on Walmart and Murphy USA gas stations, and 1% on other purchases. You can learn different methods to make Walmart credit card payments.
Following are different ways to make Walmart credit card payments.
Make Walmart Credit Card Payment Online:
If you’d like to opt for the simplest method to make Walmart credit card payment, you can choose the online log in bill pay method. For this, go to the Walmart login page and enter your username and password. If you don’t already have an account, you can register for a new one from there.
Once you sign in, click on ‘Make a Payment’ tab and follow instructions to make Walmart credit card payments online. All online payments take 2 to 3 business days to post.
While opting for e-payment, which is the online method to make Walmart credit card payments, you can choose one of the following options for the amount you want to pay:
- Total minimum due payment.
- Last statement balance.
- All transactions since your last statement.
- Any amount up to your current balance.
You can find further details of these methods on their official website.
Make Walmart Credit Card Payment by Mail:
You can also make Walmart credit card payments via mail by putting your cheque in the same envelope in which you receive your billing statement. There will be an attached stub at the bottom which you can tear off and mail back with your payment.
In case you lose your stub, mail your cheque to the following address and also write your checking account number and bank routing number in the memo section of the cheque.
P.O. Box 530927
Atlanta, GA 30353-0927
Payment by phone:
You can call Walmart credit card customer service at 877-294-7880 to make Walmart credit card payments over the phone. Their automated system will attend to you, if you want to speak to their agent, you can avail that service by paying an extra $10. To make payments over the phone, you will require the following:
- Your Walmart credit card account number.
- Your bank account number, routing number and information on your debit card.
Payment in Person:
You can also make payments in person by paying a visit to your nearest Walmart store. Go to the store and go to the customer services desk. Make sure to carry your credit card, checking account number, and bank routing number with you while going to make a payment. The payments made in person will take 1 to 2 days to post.
Late Fee and Penalties:
The Annual Percentage Rate(APR) for purchases in Walmart is 19.65% which is quite low as compared to others. They use a method called ‘Daily Balance’ to calculate your balance. After the close of each billing cycle, the customers are given 23 days to pay their bills. No interest will be charged if you pay your entire balance by the due date each month. However, if an interest incurs, then it will be no less than $1. The penalty for late fee is $38.