topic Re: Sam's Club doesn't accept Visa credit cards in Credit Cards

Sam's Club doesn't accept Visa credit cards

MarineVietVet — Mon, 16 Jan 2012 01:58:15 GMT

Awhile back BoA offered to upgrade my run of the mill Visa account to a 1-2-3 Signature Visa card and I decided to go ahead and try it. Today I tried to use it at Sam's and was told that they would take a Visa debit card or a Mastercard credit card or a Discover card but not a Visa credit card.

I guess I lead a sheltered life because I didn't think there was anyone who didn't take Visa credit cards.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: Sam's Club doesn't accept Visa credit cards

haulingthescoreup — Mon, 16 Jan 2012 01:59:23 GMT

I thought they had changed that. I guess not.

They take VISA debit, but not credit cards? Weird...

Re: Sam's Club doesn't accept Visa credit cards

CS800 — Mon, 16 Jan 2012 02:00:17 GMT

@MarineVietVet wrote:
Awhile back BoA offered to upgrade my run of the mill Visa account to a 1-2-3 Signature Visa card and I decided to go ahead and try it. Today I tried to use it at Sam's and was told that they would take a Visa debit card or a Mastercard credit card or a Discover card but not a Visa credit card.

I guess I lead a sheltered life because I didn't think there was anyone who didn't take Visa credit cards.

Are you serious?

Do they take AMEX? I'm sure AMEX charges them more per transactions too.

Maybe they eventually want their customers to have their store cards and that's their way of slowly pushing it in?

Re: Sam's Club doesn't accept Visa credit cards

MarineVietVet — Mon, 16 Jan 2012 02:07:37 GMT

@haulingthescoreup wrote:
I thought they had changed that. I guess not.

They take VISA debit, but not credit cards? Weird...

I believe those were the exact words but I was so stunned to be turned down that I could be in error.

And the check out lady could have been wrong.

Re: Sam's Club doesn't accept Visa credit cards

MarineVietVet — Mon, 16 Jan 2012 02:09:16 GMT

@CS800 wrote:
Are you serious?

Do they take AMEX? I'm sure AMEX charges them more per transactions too.

Maybe they eventually want their customers to have their store cards and that's their way of slowly pushing it in?

I don't know if they do or not. As per my answer to HTSU above I was not thinking too clearly after being told my puny Visa was not good enough!! LOL

Re: Sam's Club doesn't accept Visa credit cards

nada9188 — Mon, 16 Jan 2012 02:12:19 GMT

Sam's club accepts Visa as debit, master card and discover as credit. They do not accept Amex as Costco has an agreement with them. And yes, Sam's Club pushes their store cards pretty harshly.

Supposedly Discover does not charge them fees, which is possible because if you read the fine print one does not earn their regular cash back rate at wholesale clubs. As far as Mastercard I don't know.

The fees Visa credit cards charge are too high to incorporate into their "wholesale" merchandise sales. Though the Walton's hold 25% of this countries wealth, we can clearly see that taking Visa would break the bank.

Interesting fact: you can run a personal Visa debit card as credit at Sam's Club, but not a business debit card.

Re: Sam's Club doesn't accept Visa credit cards

lithium78 — Mon, 16 Jan 2012 02:12:22 GMT

You can't use visa at Walmart or Sam's club because visa wouldn't give them a special lower interchange rate. You can only use discover or MasterCard at Walmart of Sam's club. Or you can use their store card.

Re: Sam's Club doesn't accept Visa credit cards

CS800 — Mon, 16 Jan 2012 02:18:50 GMT

@lithium78 wrote:
You can't use visa at Walmart or Sam's club because visa wouldn't give them a special lower interchange rate. You can only use discover or MasterCard at Walmart of Sam's club. Or you can use their store card.

You know i have to check but im pretty sure that I used my Chase Freedom at Wally's not long ago.

Re: Sam's Club doesn't accept Visa credit cards

lithium78 — Mon, 16 Jan 2012 02:20:22 GMT

@CS800 wrote:
@lithium78 wrote:
You can't use visa at Walmart or Sam's club because visa wouldn't give them a special lower interchange rate. You can only use discover or MasterCard at Walmart of Sam's club. Or you can use their store card.
You know i have to check but im pretty sure that I used my Chase Freedom at Wally's not long ago.

Isn't Chase Freedom a MasterCard?

Re: Sam's Club doesn't accept Visa credit cards

mrmagic9799 — Mon, 16 Jan 2012 02:22:25 GMT

@lithium78 wrote:
You can't use visa at Walmart or Sam's club because visa wouldn't give them a special lower interchange rate. You can only use discover or MasterCard at Walmart of Sam's club. Or you can use their store card.

Wal-Mart DOES take Visa...

Re: Sam's Club doesn't accept Visa credit cards

CS800 — Mon, 16 Jan 2012 02:22:44 GMT

@lithium78 wrote:
Isn't Chase Freedom a MasterCard?

Mine is a Visa

And I just checked my Freedom statement and I dont have any WM transaction on it. Not sure why I'm thinking I used a Visa there; maybe my Visa debit in which case it would make sense.

Re: Sam's Club doesn't accept Visa credit cards

Anonymous — Mon, 16 Jan 2012 02:23:04 GMT

You CAN use Visa and any other CC at Walmart. In an effort to compete with Costco, Sams Club exclusively accepts Discover, Walmart, and MC Credit cards. Visa is fine if you are using debit function.

Also,

Sams Club gas accepts Visa credit cards but do NOT accept Amex in any form or fashion.

Re: Sam's Club doesn't accept Visa credit cards

Anonymous — Mon, 16 Jan 2012 02:24:47 GMT

@CS800 wrote:
@lithium78 wrote:
Isn't Chase Freedom a MasterCard?
Mine is a Visa

And I just checked my Freedom statement and I dont have any WM transaction on it. Not sure why I'm thinking I used a Visa there; maybe my Visa debit in which case it would make sense.

It is only considered Debit if you use your pin number. If you sign for your transactions then it is most assuredly a credit transaction.

Re: Sam's Club doesn't accept Visa credit cards

JustMe77 — Mon, 16 Jan 2012 02:27:21 GMT

Never been to Sam's Club, but Costco only takes debit cards (including Visa/MasterCard debit cards) and American Express. They won't take any credit card other than American Express. Not surprised that Sam's Club has similar restrictions. Probably keeps costs down (or profits up, lol).

Re: Sam's Club doesn't accept Visa credit cards

CS800 — Mon, 16 Jan 2012 02:27:28 GMT

@Anonymous wrote:
It is only considered Debit if you use your pin number. If you sign for your transactions then it is most assuredly a credit transaction.

I'm sure if i used my debit there, i ran it as credit since i always do. I rarely try to plug my pin number while being starred by the next person next to me

Re: Sam's Club doesn't accept Visa credit cards

lithium78 — Mon, 16 Jan 2012 02:27:59 GMT

I do know that the only warehouse club that accepts Visa is BJ's Wholesale Club, but I'm not sure if that's a national chain.

Re: Sam's Club doesn't accept Visa credit cards

CS800 — Mon, 16 Jan 2012 02:28:17 GMT

I'm going to WM tomorrow, I will see what they accept. I will run something through my Freedom Visa

Re: Sam's Club doesn't accept Visa credit cards

Mike360 — Mon, 16 Jan 2012 02:28:23 GMT

No idea where you got the Walmart doesn't take Visa but they took mine today. Chase Freedom has both a Visa and a Mastercard

Re: Sam's Club doesn't accept Visa credit cards

lithium78 — Mon, 16 Jan 2012 02:33:57 GMT

I guess Walmart must have solved their dispute with Visa at some point. For a long time, they wouldn't accept Visa, because Visa wouldn't give them a special interchange fee like Discover and MasterCard.

Re: Sam's Club doesn't accept Visa credit cards

MarineVietVet — Mon, 16 Jan 2012 02:43:58 GMT

I must say the opinions have run the entire gamut haven't they?

As I said the check out clerk could very well have been wrong. Perhaps her training wasn't as complete as it could have been. Or she was sleeping the day they went over accepted forms of payment.