I've got the card. All I can say is that it did it's job in helping me to rebuild. It's now living in the SD. I don't really care for Walmart at all, but you can't beat some of their prices, so laundry detergent, toilet tissue, and cans of Campbell's 'cream of whatever' soup for casseroles get purchased there, LOL! Still, I don't use the Walmart card because A) there are no rewards, B) it takes too long for the balance to show up and be payable online, and C) (this was the deal-breaker) I had to resort to going into the store and paying cash to pay the bill, because they would hold my ACH transfer for WEEKS! This card is too much work. I'll warn you to never carry a balance, as the interest rate is HIGH. Oh, and when I've paid in the store with cash, two times in a row, the CSR managed to forget to give me the change-- applying the entire amount of cash to my balance, including an overage. And, apparently they can't get it back. So, you'd think, whatever, I'll just have a small credit, right? Wrong! GEMB just takes the credit as additional profit, and only if you notice you have to ask for it back. They'll give it back, then take it again.
It's been nothing but hassle for me. But, YMMV. Others have reported nothing but good experiences.
