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/sigh. Walmart does it again

Valued Contributor

/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)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Message 1 of 32
31 REPLIES
Community Leader
Valued Contributor

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!


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Message 2 of 32
Frequent Contributor

Re: /sigh. Walmart does it again

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

Message 3 of 32
Frequent Contributor

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

Starting Score: 601
Current Score: 670
Goal Score: 700


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NFCU Rewards- 8K......AMEX Delta Skymiles-5k.....Citi AAdvantage AMEX-3.5K...WalMart Discover-4K....Old Navy Visa-2k...BOA-3000...AMEX Green-NPSL....Discover More-1K
Message 4 of 32
Valued Contributor

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.

Message 5 of 32
New Contributor

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. 

Message 6 of 32
Valued Contributor

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

Take the FICO Fitness Challenge
Message 7 of 32
Valued Contributor

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? Smiley Very 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%
Message 8 of 32
Valued Contributor

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?
NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Message 9 of 32
Valued Contributor

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)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 10 of 32