topic Re: Walmart card helpful information in Credit Cards

Walmart card helpful information

Anonymous — Thu, 30 Jun 2016 14:55:25 GMT

Just wanted to share some helpful information related to the Walmart card, which would actually apply to both store card and Mastercard.

Generally, when you receive a CLI on the card, your cash over limit should increase as well. People have reported on the board different levels of increase in the cash over limit, although the cash over limit is often 20% of your overall limit.

There are no fees associated with using the cash over feature on your Walmart card, which is convenient if you need cash while running errands. No interest for 30 days in addition.

I recently received a CLI and my card limit is now $14,000, with a cash over limit of $2,800. During the day after the increase, I confirmed the new cash over limit in chat and everything was fine.

Somehow after the 1st 48 hours, the system reset to have the cash over limit be only $200. Not sure why and the manager in CS could not figure it out either.

Luckily the manager in CS was on top of it and was able to get it corrected.

Now, I don't need nor would I use such a large cash over limit, but it should be correct on my account. I noticed when the statement cut that it read $200 instead of $2,800 for cash over and did not know why.

If something similar hapens to you, or if you ever need help with your cash over limit (i.e, it's showing incorrectly, you wanted to ask why it's at the level it is or request an increase in the cash over limit because it is not at 20% of CL), Customer Service is the one to call.

I initially called Credit Solutions and they don't deal with cash over limits or fixing that in your account. In fact, Credit Solutions could not even see nor confirm my cash over limit.

Sharing this to let people know the correct route to follow if you have an issue or question about this limit, and also to let you know that Customer Service does help quickly if there is an issue. The issue on my end was fixed by them within 24 hours.

Hope this helps someone and have a good day.

Re: Walmart card helpful information

Anonymous — Thu, 30 Jun 2016 14:26:59 GMT

Good info. Thanks for sharing.

Re: Walmart card helpful information

ddemari — Thu, 30 Jun 2016 15:19:31 GMT

Good info yes, my limit is $8000 and my available for quick cash/cash limit is $1600.00. I have done the cash back thing at Wal-Mart a few times like $100 or $60 bucks here and there. I was always curious if there was a max amount you could do monthly and if you could only get $100 back each transaction max?

Re: Walmart card helpful information

Anonymous — Thu, 30 Jun 2016 16:15:26 GMT

@ddemari wrote:
Good info yes, my limit is $8000 and my available for quick cash/cash limit is $1600.00. I have done the cash back thing at Wal-Mart a few times like $100 or $60 bucks here and there. I was always curious if there was a max amount you could do monthly and if you could only get $100 back each transaction max?

Hi d,

It's $100 cash over per 24 hour period. The $100 has to be taken out in one single transaction per 24 hours is my understanding- cannot do multiple transactions per day.

It's not considered a cash advance, it's just cash over in addition to your purchase, which is offered by DIscover as well.

You do have full use of the entire cash over limit on your account. I guess if someone wanted to, they could withdraw the entire $2,800 cash over limit in $100 increments per 24 hour period.

I have no plans to do so, ha ha! It's just nice to know there is cash over available if you were running errands and needed some in a pinch - totally fee-free, and interest free for 30 days.

Re: Walmart card helpful information

Anonymous — Thu, 30 Jun 2016 16:22:18 GMT

I've used that feature for cash on the way to the beach. Most places take cards but great to support local economy

Re: Walmart card helpful information

Anonymous — Thu, 30 Jun 2016 16:28:48 GMT

@Anonymous wrote:
I've used that feature for cash on the way to the beach. Most places take cards but great to support local economy

Agreed, fordguy. Plus, it's nice to have the money fee-free and interest free for 30 days as well!

Re: Walmart card helpful information

Anonymous — Thu, 30 Jun 2016 17:37:45 GMT

Good info! Thanks, humu!

Re: Walmart card helpful information

Anonymous — Thu, 30 Jun 2016 17:43:01 GMT

Oh yeah. I've also used it to pull out a hundred bucks to pay the light bill in store. A lot of utilities charge a fee for credit cards so it's a wash in your favor.

Re: Walmart card helpful information

ecb — Thu, 30 Jun 2016 17:43:58 GMT

Do you need a PIN number for this?

Re: Walmart card helpful information

Anonymous — Sat, 02 Jul 2016 14:49:20 GMT

@ecb wrote:
Do you need a PIN number for this?

No PIN number needed, you just request cash over at the register when paying with your Walmart card in a Walmart. Same procedure with the Sam's card at Sam's Club as well. No minimum purchase needed in either situation, in case you happen to be stopping in the store for just a candy bar.

I visit the self check-out register at a Walmart Neighborhood Market (these are totally different than a regular Walmart - small, clean, very nice, not crowded at all).

Utilizing the self check-out register makes it very easy and streamlined to zip in, quickly pick up one item I need, hit the "cash over" button when I go to pay and I'm on my way! No lines or cashier delays.

Re: Walmart card helpful information

ecb — Thu, 30 Jun 2016 17:59:46 GMT

Ok great info thank you

Re: Walmart card helpful information

Anonymous — Thu, 30 Jun 2016 18:04:02 GMT

Do we have walmart in Vegas..? This feature would be more useful if we run out of cash..😂😉Calling CS right now to bump my CL to 25K 😎

Re: Walmart card helpful information

RonM21 — Thu, 30 Jun 2016 20:39:00 GMT

Thanks for sharing. That is good to know, and I'm sure I'll pay more attention to this now.

Re: Walmart card helpful information

Anonymous — Thu, 30 Jun 2016 20:44:25 GMT

Yes there are walmarts all over vegas Reno arras

Re: Walmart card helpful information

UncleB — Thu, 30 Jun 2016 22:22:29 GMT

Excellent data point, Humu!

I'll add that with my Sam's Club MasterCard, the last two times I've received a CLI (the first on the website, the second one with Credit Solutions) both times my cash limit was increased immediately as well (the customary 20%) but then later that evening when I checked again my new credit limit was still there, but the cash limit had reverted back to the previous amount.

The first time I 'panicked' a bit but before I could call I checked again and it had gone back to the new increased amount. The second time (when I got the Credit Solutions CLI) the same thing happened - the cash limit reverted back - but this time when it reverted back I simply waited until the next morning and checked again, and it was back to the new higher amount.

I'm not sure what's with their systems; it's almost as if after a CLI they get 'out of sync' for a bit, but then after a few hours all is well. In any case as long as it ends up where it should be I guess that's what matters... LOL.

(For the record... as long as they keep Credit Solutions around, I'll deal with the 'wonky' databases and dated websites... LOL)

Re: Walmart card helpful information

Loquat — Thu, 30 Jun 2016 23:42:07 GMT

Thanks for posting!

Re: Walmart card helpful information

Anonymous — Fri, 01 Jul 2016 02:37:00 GMT

@UncleB wrote:
Excellent data point, Humu!

I'll add that with my Sam's Club MasterCard, the last two times I've received a CLI (the first on the website, the second one with Credit Solutions) both times my cash limit was increased immediately as well (the customary 20%) but then later that evening when I checked again my new credit limit was still there, but the cash limit had reverted back to the previous amount.

The first time I 'panicked' a bit but before I could call I checked again and it had gone back to the new increased amount. The second time (when I got the Credit Solutions CLI) the same thing happened - the cash limit reverted back - but this time when it reverted back I simply waited until the next morning and checked again, and it was back to the new higher amount.

I'm not sure what's with their systems; it's almost as if after a CLI they get 'out of sync' for a bit, but then after a few hours all is well. In any case as long as it ends up where it should be I guess that's what matters... LOL.

(For the record... as long as they keep Credit Solutions around, I'll deal with the 'wonky' databases and dated websites... LOL)

Thanks UncleB, good info from you as well!

With the Walmart card, the cash over limit does not show up anywhere in your account - it only shows up on the actual statement when the statement cuts. In my case, I'd had the CLI for 3 weeks prior to statement cut - so it took 3 weeks to see that something was wrong with the cash limit.

With Sam's, I have the mastercard as you do, and the cash over limit conveniently is displayed right under the credit limit in our accounts. Not so with Walmart, unfortunately.

Re: Walmart card helpful information

UncleB — Fri, 01 Jul 2016 02:06:05 GMT

@Anonymous wrote:
@UncleB wrote:
Excellent data point, Humu!

I'll add that with my Sam's Club MasterCard, the last two times I've received a CLI (the first on the website, the second one with Credit Solutions) both times my cash limit was increased immediately as well (the customary 20%) but then later that evening when I checked again my new credit limit was still there, but the cash limit had reverted back to the previous amount.

The first time I 'panicked' a bit but before I could call I checked again and it had gone back to the new increased amount. The second time (when I got the Credit Solutions CLI) the same thing happened - the cash limit reverted back - but this time when it reverted back I simply waited until the next morning and checked again, and it was back to the new higher amount.

I'm not sure what's with their systems; it's almost as if after a CLI they get 'out of sync' for a bit, but then after a few hours all is well. In any case as long as it ends up where it should be I guess that's what matters... LOL.

(For the record... as long as they keep Credit Solutions around, I'll deal with the 'wonky' databases and dated websites... LOL)
Thanks UncleB, good info from you as well!

With the Walmart card, the cash over limit does not show up anywhere in your account - it only shows up on the actual statement when the statement cuts. In my case, I'd had the CLI for 3 weeks prior to statement cut - so it took 3 weeks to see that something was wrong with the cash limit.

With Sam's, I have the mastercard as you do, and the cash over limit conveniently is displayed right under the credit limit in our accounts. Not so with Walmart, unfortnately.

Wow... I did not know that - I just assumed since they are so similar in other ways that the websites were likely set up the same (that's what I get for 'assuming'... LOL)

Thanks for the clarification!

Re: Walmart card helpful information

Anonymous — Fri, 01 Jul 2016 21:42:09 GMT

Also - I really never go in a regular Walmart store because it can be reminiscent of the zoo at times. Try a Walmart Neighborhood Market if you have not been to one. Small, personal, clean, many of them in suburbs but also in urban areas as well, and never crowded.

No weird people inside, either - well-dressed people, homemakers, and never crowded is what I noticed.

There are about 700 of these around the country, in 31 states.

I do my regular shopping at a grocery store, but stop in the Walmart Neighborhood Market if I am driving by and need a few things, or just cash.

Re: Walmart card helpful information

Anonymous — Fri, 01 Jul 2016 16:37:20 GMT

The zoo is fun. When I see a flashing cashier light that is the one I beeline to!!! I know it doesn't make sense but that means that their screwed up transaction is almost over. They will start working faster because if she doesn't hit her quota she becomes a greeter haha.