I was almost maxed out with the credit limits, so I made a payment from my bank account to Walmart MasterCard account thinking the transaction would be done by next day. But I was surprised it took almost five business days for transaction to show in my Walmart MasterCard online account. I actually went over limit by $500 the very next day I made the payment. Luckily it was the end of my credit card period for the month, and so I wasn't charged $25 for going over credit card limit. At first I thought that since I have already maxed out my credit card limit, i won't be able to use my Walmart reward MasterCard at all, but I could still use it. The only thing is that whatever extra amount goes into over limit amount.
How it works is that by the end of the billing cycle, if there is any amount over limit, you would be charged $25. But if you managed to pay off some money until your balance is within or below your maximum credit limit, before your monthly bill is issued, then you would be saved from having to pay the over limit fees.I know some people would say that it is tough to apply for a new credit card with a bad credit score or if you never had a credit card before. After all you have to start somewhere in getting good credit score in the beginning. Most credit card company would not give you a credit card if you apply directly through their website and you have a bad credit ratings or if you never had a credit card before. If you happen to have a decent income from your work, you could show that income and then get approved for the credit card. You won't be given a huge credit limit in the beginning but as time goes by and you are keeping a good credit rating by paying your credit card bills regularly, then you will be automatically offered credit limit increase by the same credit card company.
Another question people ask, is how do you open a new credit card account if you don't have a job earning you an income? There is a very simple way to do that though. For example, if you wanted a Walmart reward credit card and you don't qualify with other credit card company, then you need to do this. Go to some of the Walmart stores and chances are you might see some salesman helping people sign up with Walmart credit card. Approach them and let them know that you are interested in signing up for Walmart Rewards credit card, and tell them your financial situation as well. If your credit rating is good but you don't have an income, the salesman could probably help you get the Walmart reward credit card. Sometimes even with a bad credit ratings they can help get one. Just make sure that you did pay your other credit card bills on time and your other credit cards did not went to some collection agency.
I had a good credit rating but I didn't have enough income to show while I was applying for Walmart Rewards credit card but those salesman really did a good job of helping me apply for the credit card. I always pay my other credit card bills on time and the reason why I wanted to use Walmart Rewards credit card was for the rewards that I could redeem for stuff. I buy a lot of things at Walmart stores and I did actually redeem stuff worth more than $400 bucks by now since I started using Walmart Rewards credit card many years ago. The rewards add up quickly and before you know it, you could be having enough Rewards to redeem for stuff at your Walmart stores.
Walmart Pay works in all Walmart stores, but it doesn't work at Walmart fuel pumps or Murphy USA gas stations. This is because the app doesn't connect directly to your bank. For the same reason, you can't use Walmart Pay to receive cash back at the checkout at Walmart stores, & it can’t be used in Sam's Clubs.
You can access your account at walmart.capitalone.com. There you can make payments, set up paperless statements and AutoPay, as well as update your payment account information and customize reminders. Alternatively, you can download the Capital One® mobile app, which provides the same great services on the go.
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You can pay your Walmart Credit Card bill online, via the Capital One app, over the phone at (877) 383-4802, by mail, or in person at a Walmart location. The same payment methods apply to the Walmart® Store Card, too.
How to Make a Walmart Credit Card payment
Online:
To pay online or through the Capital One mobile app, simply:
- Log in to your account.
- Click “Make a Payment.”
- Fill in the amount you want to pay – you can choose your last statement balance, current balance, minimum payment, or a custom amount – and click “Continue.”
- Choose the date you want to pay and which checking account to pay from.
- Click “Submit Payment.”
Over the phone:
To pay your Walmart Credit Card bill over the phone, call (877) 383-4802 (or the number on the back of your credit card) and enter the last 4 digits of your credit card number.
The automated system will give a menu of options – choose “make a payment.” After that, the system will guide you through the payment process.
By mail:
If you would rather mail in a Walmart Credit Card payment, mail a check and the payment coupon from your monthly statement to the address on the coupon. The address is: Walmart Credit Card/Capital OneAttn: Payment ProcessingPO Box 71083Charlotte, NC 28272-1083
Overnight Address:
Capital OneAttn: Payment Processing6125 Lakeview RdSuite 800Charlotte, NC 28269
In person:
Payments can also be made in any Walmart location at the customer service desk or with a cashier. You’ll need to bring the payment coupon from your credit card statement, along with the Walmart Credit Card itself. Similarly, if you’re a Sam's Club member, you can make a Walmart Credit Card payment at any Sam's Club location at the customer service desk or with a cashier.
If you choose to make a payment via regular mail, make sure to always send it at least 5-7 days before your due date.