Reply
Frequent Contributor
Sparkz1920
Posts: 271
Registered: ‎08-09-2009
0

Re: /sigh. Walmart does it again


nicholasyud wrote:

i make the payment on the 21 of Nov. They still hold the fund even thou they already take out the money from my bank. SMH


Honestly, I wish they'd just stake the money from my bank at this point. My statement doesn't cut til lord knows when bad it'll be months before any of those cards see some love from me since I'm leaving for the reserves in January 


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


Take the FICO Fitness Challenge

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
Frequent Contributor
SwampSystems
Posts: 358
Registered: ‎06-25-2012
0

Re: /sigh. Walmart does it again


SisterGirl wrote:

Last week when I was at the customer service counter handling a return, I asked the gentleman assisting me if they accepted payments for Walmart account at the store. He said they did....I asked when would my payment post...he advised "same day". I don't know if this is true or not, but we will know on Tuesday when I take on that task.

 

SisterGirl


I do this all the time, and the payment does post immediately. I pay my Walmart card with my debit card at their Money Center kiosk. And if that's not working, I pay in person at the Money Center counter. If I'm not in a hurry, I'll go buy gas at Murphy and then immediately go into Walmart and pay off the purchase before it even posts to the account. Learned about this one time when I had to buy some gas on the last day of my statement cycle.

Regular Contributor
SisterGirl
Posts: 227
Registered: ‎11-17-2012
0

Re: /sigh. Walmart does it again


SwampSystems wrote:

SisterGirl wrote:

Last week when I was at the customer service counter handling a return, I asked the gentleman assisting me if they accepted payments for Walmart account at the store. He said they did....I asked when would my payment post...he advised "same day". I don't know if this is true or not, but we will know on Tuesday when I take on that task.

 

SisterGirl


I do this all the time, and the payment does post immediately. I pay my Walmart card with my debit card at their Money Center kiosk. And if that's not working, I pay in person at the Money Center counter. If I'm not in a hurry, I'll go buy gas at Murphy and then immediately go into Walmart and pay off the purchase before it even posts to the account. Learned about this one time when I had to buy some gas on the last day of my statement cycle.


Awesome !

Thanks for the clarification....:smileywink:

SisterGirl
Valued Contributor
Duncanrr
Posts: 2,857
Registered: ‎06-08-2012
0

Re: /sigh. Walmart does it again


jsickz32 wrote:
Are you really that worried amex will deny you the cli because walmart will report a $50 balance?
In and of itself, no. I was a triple pull borderline approval with Delta card. 4-5 pts for having multiple cards report a balance maybe the difference from a full 3x CLI or a much smaller one. I can't get cap1 to move on GW attempts but I can control UTIL.


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
Valued Contributor
Duncanrr
Posts: 2,857
Registered: ‎06-08-2012
0

Re: /sigh. Walmart does it again

if not for great CLI and free scores I wouldn't use this damn card. Payent from week ago still hasn't been fully credited to available credit. 3 months with card and they are still placing holds on payments.


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
Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
0

Re: /sigh. Walmart does it again

And when are they going to update FICO for December?!

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Regular Contributor
CotySinz
Posts: 237
Registered: ‎06-27-2011
0

Re: /sigh. Walmart does it again

I have never had this problem. Whenever I use the card I immediately go home and send payment with my Chase online bill pay sometime my payment even posts before a balance hits but its always PIF.

Starting: 563 | Current: 753 (Walmart TU 11/12) | Goal: 800 | Garden since: 01/15/2013

Valued Contributor
Swapmeet
Posts: 1,569
Registered: ‎11-10-2012
0

Re: /sigh. Walmart does it again

[ Edited ]

I asked a cashier about this yesterday when I was in the store. She said that I could pay my walmart card at the register, even while a charge is pending. This solves the problem.



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: /sigh. Walmart does it again


improvingmycredit wrote:

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!


This is exactly what I do with all of my GE accounts.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Contributor
Croselx
Posts: 139
Registered: ‎07-31-2012
0

Re: /sigh. Walmart does it again

I have 2 GE accounts and my experience differs on each card.

PayPal Smart connect usually credits on same day and sometimes they credit before taking the money from my account (never missed a payment or had a report with a balance that I didn't wanted).

Recently approved WM Discover I made 2 payments to see what will work since I had read so many bad things here, one payment on the store and one online.

Store payment posted immediately (done on November 19th)

Online payment took several days (payment done on the 16th, money taken on same day and payment posted on the 21st)

 

I don't know what is the deal with Wal Mart posting the balance if they take the money from your account.. I will probably make the minimum payment in the store and the rest online just to be sure and avoid any late charges.

As of Feb: AAoA 1 year, 10 months
CK TU: 740; Wal-Mart TU FICO: 721
CS EX: 715
8 CCs, 15 total accounts.
Negs on report: 1 30 day late aged 3 years
5 inquiries

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}