topic Re: When does walmart usually come out with statements? in Credit Cards

When does walmart usually come out with statements?

creditnocash — Tue, 09 Oct 2012 23:01:27 GMT

I know it's different for every person but I paid my walmart card on the 21st and says close date is the 25th. I know im signed up for e-statements since I get the fico.

and my bank couldn't get e-statements because it was already set up in walmart.

but I mean come on 2 weeks to generate a statement?

does walmart generate a statement if you have 0 balance?

Re: When does walmart usually come out with statements?

Anonymous — Tue, 09 Oct 2012 23:02:35 GMT

@creditnocash wrote:
I know it's different for every person but I paid my walmart card on the 21st and says close date is the 25th. I know im signed up for e-statements since I get the fico.
and my bank couldn't get e-statements because it was already set up in walmart.

but I mean come on 2 weeks to generate a statement?
does walmart generate a statement if you have 0 balance?

Did you have a zero balance?

Re: When does walmart usually come out with statements?

creditnocash — Tue, 09 Oct 2012 23:04:25 GMT

@Anonymous wrote:
Did you have a zero balance?

yes. but i made purchases.

Re: When does walmart usually come out with statements?

maiden_girl — Tue, 09 Oct 2012 23:04:49 GMT

I don't know about Walmart but I know when I paid my Discover account 2 days before the statement cut, I didn't get a statement. My balance was $0.

Re: When does walmart usually come out with statements?

Anonymous — Tue, 09 Oct 2012 23:36:24 GMT

@creditnocash wrote:
@Anonymous wrote:
Did you have a zero balance?
yes. but i made purchases.

I've made purchases, and I haven't had a Walmart statement since April.

Re: When does walmart usually come out with statements?

jsucool76 — Tue, 09 Oct 2012 23:50:52 GMT

@Anonymous wrote:
@creditnocash wrote:
@Anonymous wrote:
Did you have a zero balance?
yes. but i made purchases.
I've made purchases, and I haven't had a Walmart statement since April.

$0 balance on most (if not all GE accounts) does not generate a visible statement. I tend to report a balance (not a huge one) on my walmart just so I get a statement. Don't plan on applying for anything so I'll keep doing that.

I've heard stories of people getting the "Not enough experience at current credit limit," excuse despite having the same limit for a long time because they never generated a "Real" statement.

Re: When does walmart usually come out with statements?

creditnocash — Wed, 10 Oct 2012 00:10:00 GMT

@jsucool76 wrote:
@Anonymous wrote:
@creditnocash wrote:
@Anonymous wrote:
Did you have a zero balance?
yes. but I made purchases.
I've made purchases, and I haven't had a Walmart statement since April.
$0 balance on most (if not all GE accounts) does not generate a visible statement. I tend to report a balance (not a huge one) on my walmart just so I get a statement. Don't plan on applying for anything so I'll keep doing that.

I've heard stories of people getting the "Not enough experience at current credit limit," excuse despite having the same limit for a long time because they never generated a "Real" statement.

Interesting.

I guess that's what recons are for.

I don't have one generated statement for walmart and got denied for lack of limit exp. but when was manual review it went through.

Re: When does walmart usually come out with statements?

jsucool76 — Wed, 10 Oct 2012 00:35:30 GMT

@creditnocash wrote:
@jsucool76 wrote:
@Anonymous wrote:
@creditnocash wrote:
@Anonymous wrote:
Did you have a zero balance?
yes. but I made purchases.
I've made purchases, and I haven't had a Walmart statement since April.
$0 balance on most (if not all GE accounts) does not generate a visible statement. I tend to report a balance (not a huge one) on my walmart just so I get a statement. Don't plan on applying for anything so I'll keep doing that.

I've heard stories of people getting the "Not enough experience at current credit limit," excuse despite having the same limit for a long time because they never generated a "Real" statement.
Interesting.
I guess that's what recons are for.
I don't have one generated statement for walmart and got denied for lack of limit exp. but when was manual review it went through.

They just gave me a $300 CLI after 2.5 months because I called and asked for one. Now is CLI time for the walmart card because they are doing a 0% offer on all electronics purchases over 429$

Re: When does walmart usually come out with statements?

toppers555 — Wed, 10 Oct 2012 00:36:14 GMT

I am actually in middle of testing this. I opened my amazon and Walmart he accounts at the same time. Last week they increase my paypal extra by 15000 amazon 500 increase while Walmart denied my with no offer . Only difference I could see was no account statement on Walmart so I am letting it report a small balence and retrying.

Re: When does walmart usually come out with statements?

creditnocash — Wed, 10 Oct 2012 01:11:20 GMT

@toppers555 wrote:
I am actually in middle of testing this. I opened my amazon and Walmart he accounts at the same time. Last week they increase my paypal extra by 15000 amazon 500 increase while Walmart denied my with no offer . Only difference I could see was no account statement on Walmart so I am letting it report a small balence and retrying.

like i said when i went throught the phone system denied me. but when i went through the rep they approved from 800 to 3k. i have yet had a statement from walmart.

and ae ive had 2 statements. ae opened 7/17 walmart opened 7/28

and i was just trying to get a statement with the purchases on it. not for another cli.

Re: When does walmart usually come out with statements?

nicholasyud — Wed, 10 Oct 2012 02:01:55 GMT

@jsucool76 wrote:
@creditnocash wrote:
They just gave me a $300 CLI after 2.5 months because I called and asked for one. Now is CLI time for the walmart card because they are doing a 0% offer on all electronics purchases over 429$

how the $429 work >? so if you make a purchase for $500 and they generate your bill for $500...........then you just had to make a minimum payment or .... i need some explain to this one p

Re: When does walmart usually come out with statements?

creditnocash — Wed, 10 Oct 2012 02:11:29 GMT

@nicholasyud wrote:
@jsucool76 wrote:
@creditnocash wrote:
They just gave me a $300 CLI after 2.5 months because I called and asked for one. Now is CLI time for the walmart card because they are doing a 0% offer on all electronics purchases over 429$
how the $429 work >? so if you make a purchase for $500 and they generate your bill for $500...........then you just had to make a minimum payment or .... i need some explain to this one p

no its a no interest offer.

You have your limit.

Anything you buy in walmart for 429 or more has no interest for 6 or 18 months. not sure what walmart does. and all you have to do is make minimum payments. but if you dont pay off the balance before the time is up (6 or 18 months) they charge back interest.

Re: When does walmart usually come out with statements?

jsucool76 — Wed, 10 Oct 2012 02:13:13 GMT

@nicholasyud wrote:
@jsucool76 wrote:
@creditnocash wrote:
They just gave me a $300 CLI after 2.5 months because I called and asked for one. Now is CLI time for the walmart card because they are doing a 0% offer on all electronics purchases over 429$
how the $429 work >? so if you make a purchase for $500 and they generate your bill for $500...........then you just had to make a minimum payment or .... i need some explain to this one p

If you make an electronics purchase for more than $429, you get 0% financing for 18 months I think it is.

I have no intentions of making an electronics purchase, but when they do promos like this, if you mention it they'll usually throw you a bit of an increase because they think you're going to make a fairly substantial purchase. My limit was only $500 so I said I couldn't purchase anything over $429 since that would max out my card.

Re: When does walmart usually come out with statements?

nicholasyud — Wed, 10 Oct 2012 02:16:06 GMT

but they orig interest is 22.9 % how do they seperate them from your regular purchase ???

Re: When does walmart usually come out with statements?

jsucool76 — Wed, 10 Oct 2012 02:20:15 GMT

@nicholasyud wrote:
but they orig interest is 22.9 % how do they seperate them from your regular purchase ???

You bring in a coupon which you get emailed to you (if you have the card) OR it is available on the walmart credit card page

Coupon

When you make your purchase you have the cashier scan it and then you get 0% for 18 months.

Re: When does walmart usually come out with statements?

nicholasyud — Wed, 10 Oct 2012 02:24:15 GMT

are their qualify for the future promotion 0% might as well >?? anyone know ?

Re: When does walmart usually come out with statements?

creditnocash — Wed, 10 Oct 2012 02:53:09 GMT

I think its there all the time if you ask in store the person has a coupon to scan.

like the same thing with best buy. I believe if its 249 or up is 0 for 6 months and 499 and up is 18months 0 interest.

How do they know? Trust me they know. Basically how it works. When you pay your bill. Your highest interest gets paid first.

So lets say you take advantage of that.

You buy a 600 dollar TV and have a 2k limit. Then you charge 1k in the next month. and you only pay 900. none of that goes to the 0 interest purchase.

and if you don't pay off in the 18 months they charge you all the interest you would of accrued if you didn't have the deal.

Re: When does walmart usually come out with statements?

Anonymous — Wed, 10 Oct 2012 03:16:17 GMT

@creditnocash wrote:
I think its there all the time if you ask in store the person has a coupon to scan.
like the same thing with best buy. I believe if its 249 or up is 0 for 6 months and 499 and up is 18months 0 interest.

How do they know? Trust me they know. Basically how it works. When you pay your bill. Your highest interest gets paid first.
So lets say you take advantage of that.
You buy a 600 dollar TV and have a 2k limit. Then you charge 1k in the next month. and you only pay 900. none of that goes to the 0 interest purchase.
and if you don't pay off in the 18 months they charge you all the interest you would of accrued if you didn't have the deal.

Your highest interest gets paid first for all amount paid over your minimum payment. They can do whatever they want with the minimum part of your payment.

Re: When does walmart usually come out with statements?

nicholasyud — Wed, 10 Oct 2012 03:21:10 GMT

so let said i did paid my balance in full on 12 months period and using my card again after the bill had paid in full ? do they still charge interest on it ? i mean im kinda confuse............