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: Wal-Mart Credit Card Limit Decrease |
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Reply
| | | From: Nathan (Original Message) | Sent: 10/16/2008 4:14 PM |
Sup all?
Okay...I am VERY disappointed with Wal-Mart Credit Services right now. I have used my Wal-Mart credit card immensly since I have received it back in 2005. I've purchased my glasses, my desktop computer, fillups on gas, my laptop, and my most recent large purchase, the VIZIO 32" Plasma TV back in May.
I had a credit limit of $1,100.00 until TUESDAY, OCTOBER 14, 2008 when I guess some IDIOT decided to lower my credit limit to...........drumroll...........$490.00! The problem came to my acknowledgement when I tried to buy gas ($2.49 per gallon with WMCC or Gift Card yay!) and my WMCC said "See Attendant"...talked to the Murphy USA attendant, she told me to go into the store (which I know the speel cuz I've worked at the service desk and know bout the whole ordeal)...my CC was denied at the POS register inside the store...so I just told myself i'd wait til tomorrow to do something bout this.
I call them this morning to find out that my credit limit was excruciatingly lowered (and keep in mind I have a balance of 514.00 still!) and I would receive a letter in the mail stating why.
I do NOT have any late payments on any of my credit cards, my credit score is very good for my age, I have no delinquincies, I have always paid my WMCC on time EVERY time...And this card I use a lot so this holiday season when I want to use the 0% interest thing...gee I guess I can't cuz most major purchases on my WMCC would be $500 or more (like I said, my 800 dollar laptop, my 548 dollar PC, 547 dollar TV...you get the idea)...they couldn't decrease like my WaMu card I don't use or something but WHY my WMCC?? It could be because of the stock market and economy but still...I wish they would at least TELL me before I did this...cuz I used my WMCC back on Monday to fill up my tank.
I know you guys can't do anything bout this...but I was wondering if you guys have ever had a similar situation regarding this! Let me know! Thanks!
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While I cannot attest to having my limit decreased at all, I can give my opinion on their service...
I have had more problems with this Walmart card than any other card I've had. I opened it in 2006 when I bought my tires - no interest on purchases over $250, so I figured what a great deal since they were $113 a piece. A few months later I moved, updated my address with the company, and tried to buy groceries at my new store - a purchase of about $200. I had a balance of $300 I think it was - all payments current. I was denied at the register.
I called the company, and because I had moved, they put a security hold on my card so I would call and verify that I initiated the address change online in my secure account. Okay, whatever, but couldn't someone have called me or left me a message to call them? I had no idea.
Forward to this year. I paid off my balance - I racked up around $1300 on there with a few purchases and paid the whole thing off - one payment. I go to purchase a PS3, guitar hero, and a few games for my hubby with the no interest deal, and I am denied. I had a $0 balance on the card. I call the company, and they put a security hold on my card for paying it off and wanted to make sure that it was me that made the payment. What would it have mattered? Who else WANTS to pay a credit card? So, okay.....
This past summer I moved, updated my address again. I had been trying to make my payment online and my account wouldn't let me log in. It kept saying the site was down. So I called the company, and they apologized for the inconvenience, and offered to allow me to make my payment over the phone with no fee. Cool. I made my payment. 2 weeks later I STILL couldn't get into the website to view my bill and balance. I call again, and find out they put a hold on my account once again because I had moved, but this time it locked me out of the website as well. I signed over my first 5 unborn children to unlock the account. I log in and find that they charged me the $10 phone fee.
The next day I paid off my balance and will not use the card unless it is an emergency or real need. I am very unhappy with GE Money Services or whatever company it is. I am in understanding that there are security precautions in place to protect me as a consumer, but at no time did I receive any emails, letters, or phone calls about any of the security holds. I understand that an email may seem like a phishing scam, but I have a phone, and they can send mail. |
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