Walmart Credit Card Payment Guide: Almost 85% of the world population’s households have at least one credit card. The reason is clear: Credit cards offer enormous advantages over other methods of payment.
With the obvious and increasing danger of overspending with a credit card and running up major interest charges exists, the cardholders who use their credit card wisely can experience major perks and rewards.
Walmart offers credit cards through which you can make your payments using different methods. See methods of making walmart credit card payment. Credit card payments can be highly beneficial not only because it saves a lot of time but also because it creates your credit history based on which you can easily apply for large sums.
But if you are lazy procrastinator things will certainly not work for you. First let us have a look on the benefits of on time payment, then we will discuss the pitfalls; actually the pit in which you will eventually fall for late payments. However, if you don’t have Walmart card in your pocket, you can read a complete guide on Walmart credit card application on our previous article.
Benefits of on time payment
We know that you are a busy person who is always in a hustle. You are tired from all the work and hectic routine and just want to ignore your pending payments. But you got up because you are a responsible citizen. That’s the spirit. We are proud of you and so will you be when you will get to know about all these below listed advantages of your on time payments.
- Developing cost effective services
- Your accounts stay out of collections.
- Keep your credit card in good standing
- Creates a good credit history for you
- Keeps your monthly payments low
- enables faster availability of funds
- Transform transactions such as down payments on big-ticket items and emergency consequence payments.
- Makes you eligible to borrow larger amount of loan
- You can enjoy a lower interest rate on all of your payments
- Gives you low insurance rates
- Provides you better security for your payments
Future of on time payments
Progressive markets will continue to drive innovation towards on-time payments. Europe is a really interesting place to watch, notably because of what’s happening in the E.U. with the concept of SEPA Instant Payments.
The development of faster, more efficient, more transparent payments is going to be iterative. We’re at the very beginning of sort of next generational thinking around real-time payments, especially when you put that global mindset to it.
Disadvantages of late payment
So now that you have enjoyed reading all the perks you can get through on time payment, let’s not forget that the demon sitting inside you can provoke and entice you to postpone your payments in order to strip you off these rewards. So be aware and see the consequences of late payments.
The spokesperson for BACS once said that “Late payment of commercial invoices is an ongoing issue and is forcing many businesses across the UK in to making some tough choices on how to use the cash they have available.
Understandably many concentrate on keeping their own businesses solvent at the expense of paying their suppliers on time, therefore the vicious circle of late payment continues”. Such carelessness then leads to drastic consequences.
- Negative impact on the users credit score
- Interest rate reaches to penalty up to 35dollars
- Late payment fees is added
- No more privileges and rewards
- Higher interest rate
- Additional charges
Walmart payment methods
Walmart credit cards hold diversity in their payment methods. Now you have no excuse to delay your card payments as there is not a single method that you cannot afford.
Of course you have a credit card so you must have some source to pay for it. Don’t you? We will show you all the possible means through which you can pay your bills through Walmart credit cards.
Online payment is the most advance and feasible method to pay your walmart bills. In order to pay online you just have to sign in your walmart account and search the payment option. Click it and follow the instructions or read how to pay walmart bills online.
Payment with Login
Another way to make payments of Walmart credit card, mastercard or gift card is through login. So, whether you’re using your PC at home, at office or you’re on your Smartphone with long drive away from any nearest store to pay bill. Don’t worry, even if you’re at eleventh hour to make a payment in full or due, simply login to Walmart card account and make payment on the go.
If you do not have an internet access, you would probably have a mobile phone with you of course. Who doesn’t have one? Just call on walmart and pay your bills as this service is free but if you choose to have a representative assist you with your bill payment, a $10 service charge will apply.
Please have your checking account information (check number, routing number, etc.) available when calling.
Payment through mail:
If you want to pay your Walmart Credit Card by mail, please send your payment to:
PO Box 530927
Atlanta, GA 30353-0927
Direct payment through bank or store:
Suppose you lost your phone and have no internet connection and it is the last date to pay your bill. Rush to your bank or the store with your credit card and make your payment done. Phew! That was close but you got saved from trouble.
E-payment Total Minimum Payment Due:
You have to select one of the following options in order to make your payments with Walmart credit card.
- Total Minimum Payment Due
- Last Statement Balance
- Current Balance
Big ticket payments:
The Big Ticket Payment Plan makes it easier for you to budget your monthly payment on Big Ticket purchases like large screen TV’s, appliances or jewelry. Just purchase any single merchandise item of $399 or more and your total sales receipt will be billed to you at 1/40th of your purchase.
Big Ticket purchases will be listed separately from regular purchases on your billing statement. Your total minimum payment due will reflect all purchases, so you only have to write one check per month. Walmart master card holders may already enjoy this feature as part of their credit terms and benefits.
Although all the above given information was no rocket science but if you still fail to understand it or want some additional information regarding the walmart payment procedures you can call on the toll free number of walmart customer support 1-877-294-7880 (24/7)or visit www.walmart.com.