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Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012

/sigh. Walmart does it again

I need to SD my Walmart Discover card. Wednesday afternoon I made a small charge to it (around $50 at a local Walmart store). 12/2 is my statement cut date. Go online to pay bill in full and guess what? The charge hasn't cleared yet and it's been more than 48 hours. How much you want to bet it clears seconds before my statement generates. Their practice of doing this really pisses me off.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
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Valued Contributor
improvingmycredit
Posts: 1,384
Registered: ‎07-12-2011

Re: /sigh. Walmart does it again


Duncanrr wrote:
I need to SD my Walmart Discover card. Wednesday afternoon I made a small charge to it (around $50 at a local Walmart store). 12/2 is my statement cut date. Go online to pay bill in full and guess what? The charge hasn't cleared yet and it's been more than 48 hours. How much you want to bet it clears seconds before my statement generates. Their practice of doing this really pisses me off.

LOL- yea- it really gets me too!  I have just taken to not using it near statement cut off date.  3 times now they've gotten me.  Can't pay till it post and it always post right before statement cut night of.  UGH!


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Current Score: EQ 798, EX 780, TU 787 (All FICO)
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Frequent Contributor
AF_23
Posts: 288
Registered: ‎02-06-2012

Re: /sigh. Walmart does it again

Not to mention they take 7 days or so to generate it after the due date. 

Frequent Contributor
Sparkz1920
Posts: 271
Registered: ‎08-09-2009

Re: /sigh. Walmart does it again

I thought it was just me....what is really going on with them

I just push the payment through my bank and let the crap sit as a credit

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Valued Contributor
kevinjjc
Posts: 1,299
Registered: ‎01-14-2009

Re: /sigh. Walmart does it again

Just push a payment from your bank's billpay. Weird, I don't seem to have this issue with my Walmart Discover card. I make payments using their online billpay, as I do with all my cards.

New Contributor
mmmagique
Posts: 82
Registered: ‎04-05-2011

Re: /sigh. Walmart does it again

Pushing payments through don't always work. (Especially if you've already made another payment earlier in the cycle.) 

GECRB REALLY REALLY wants to report a balance. It's not just with the Walmart card. I don't know what their problem is, but this is how I fixed it for myself. I use any GECRB card only once during the cycle. I pay only one payment at least a week before it's due. I do not touch it again until it reports. That gives me about a week or so in which to use it safely, but it does work. 

Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012

Re: /sigh. Walmart does it again

takes a week to clear payment and can't use it a week before statement cuts. Seems you can only use card to full extent without UTIL hit 1/2 of the month.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012

Re: /sigh. Walmart does it again


Duncanrr wrote:
takes a week to clear payment and can't use it a week before statement cuts. Seems you can only use card to full extent without UTIL hit 1/2 of the month.

Did Amex softpull you yet? :smileyvery-happy:

 

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Valued Contributor
rootpooty
Posts: 1,711
Registered: ‎10-28-2011

Re: /sigh. Walmart does it again

I'm not trying to be negative but what's the big deal if they report a balance. Especially in the op's case having a 25k CC what's a 50 dollar charge going to do?
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Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012

Re: /sigh. Walmart does it again

The big deal is Amex hasn't updated my SP account review yet. Im going for CLI request as soon as its updated and with the mess I have on cap1 auto I'm trying to have every other aspect of my report maximized.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
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Goal Score: 750

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