Funny Wal-Mart rejection

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Elliot Castro
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Funny Wal-Mart rejection

Postby Elliot Castro » Sat Mar 05, 2011 6:00 am

Alright, I know a lot of people seem to poo-poo WalMart as though they are to blame for everything wrong in the world, more so than the country's president.

Anyhow, I don't care for any of that right now, I still go time to time to browse for a few things, and it is the only store anywhere near me for miles that is open in the early morning (important to me). What is interesting, is not just the # of times they always hassal me to get a WalMart Mastercard, despite I ALWAYS present them with a competing Master Card. The funny thing is, I actually DID apply for a WalMart, since for around here, it's not that bad a deal, particularly if you DO shop at WalMart.

Interesting, as I recieved an official REJECTION from WalMart this week. Yes, that's right. Apparently, 40+g a year and I am getting refused for my walmart. This, despite the fact they have reccords on me using two other CC's for a while.

I just don't understand this... That's why it is so funny, especially after I am always hassled to get the store card. I thought for sure I was one of those guaranteed to get card type holders.

This morning, I'm going to head off to them, slam down my President's Choice Financial card from the CIBC at the check-out, and tell them in clear, plain words for the entire line to hear on how WALMART FINANCIAL refuses to take my money, and so I have no choice but to go with their competitors. That should shut them up pretty quick.


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Postby c0Ld » Sat Mar 05, 2011 1:36 pm

As someone who spent teenage years working as a cashier in Walmart: don't do that. They have absolutely no power whatsoever on whether or not you are approved. Their cashiers get FIRED if they do not ask almost every single customer if they want to apply for the card (I'm not joking - the cameras above your head at the checkout counter? Constantly monitored by at least one manager at all times). Whether you said yes or no doesn't matter to them (nor will the majority of them care), they just have to get the words out of their mouths. Being that it was the worst job I've ever had to deal with, the only thing you're going to do is make some poor soul's day just that much worse.

Yeah, you'll shut them up, but if they value their jobs the next time you're there you'll be asked again. I personally checked out a few hundred people a day - they will not remember your face in 20 minutes, let alone the next week.

It's either a store card or a Discover, by the way - not MasterCard.

Disclaimer: I spent nearly 3 years working in a Walmart from the end of highschool through community college. Not every facility will be as strict, but even management cannot overturn a credit decision - it is a completely different department.

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Elliot Castro
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Postby Elliot Castro » Sat Mar 05, 2011 6:10 pm

I am well aware that these people would not act like retards unless forced to do so by management, or by being on commission.

Anyhow, I am back from my trip this morning. Unfortunately, they didn't push me for the card. Strange, since this is the first time I wanted them to push me, and it never happened. That's Murphy's law for you.

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Postby debitcard guru » Sat Mar 05, 2011 6:36 pm

Elliot Castro wrote:I am well aware that these people would not act like retards unless forced to do so by management, or by being on commission.

Anyhow, I am back from my trip this morning. Unfortunately, they didn't push me for the card. Strange, since this is the first time I wanted them to push me, and it never happened. That's Murphy's law for you.


If this was done in the U.S. I think the credit card reform law may have changed this.

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Postby Elliot Castro » Sun Mar 06, 2011 11:36 am

It's either a store card or a Discover, by the way - not MasterCard.


I assure you it was a MasterCard.

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Postby hotboidrvsf150 » Sun Mar 06, 2011 9:02 pm

@elliot- No one that works at wal mart is on commission. lol. They are required to offer the credit card. The store credit card is issued by GE MONEY BANK and the large network wal mart credit card is issued by DISCOVER. Wal mart had no decision in your approval or denial.

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Postby ashleyAMX » Sun Mar 06, 2011 11:49 pm

hotboidrvsf150 wrote:@elliot- No one that works at wal mart is on commission. lol. They are required to offer the credit card. The store credit card is issued by GE MONEY BANK and the large network wal mart credit card is issued by DISCOVER. Wal mart had no decision in your approval or denial.
that's odd.. I thought VISA and
Mastercard are payment NETWORKS.. and discover and amex are actual issuers.. Which if I'm correct then I can see why he said master card.

Edit: but, I'm wrong. Walmarts website says discover. So discover it is.

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Postby Squid7085 » Mon Mar 07, 2011 10:53 pm

Obviously you have some issues with your credit if you were denied for the Walmart card. Before going off on a rant to some under appreciated, under paid employee, I would check the Credit Report that they used to make the denial, you might find a surprise. I was denied for a Chase Card and then instantly approved for a Citi card, turns out i miss reported my income, putting down my monthly income and not annual. If your credit is in good standing and you do in fact make 40+, then there is something wrong.

And yes, it is a Discover or a Store Issued card if your credit isn't great. I work at Target, and guests like you are an absolute pain for my Cashiers. They are told to push the cards, thats part of their job, and from the point you enter your information, the rest of the process is out of our hands. Walmart is no different. Just because you have a card doesn't mean you deserve another one. I see plenty of people with multiple credit cards that shouldn't be given another cent of credit.

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Postby Elliot Castro » Tue Mar 08, 2011 12:56 pm

How many times will I have to repeat myself? It's a Master Card.

Image

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Postby debitcard guru » Tue Mar 08, 2011 1:20 pm

You are both correct.

In the U.S. Walmart issues a Discover card. They use to issue a Mastercard or Visa.
In the U.K. Walmart issues either a Mastercard or Visa
In Canada Walmart issues a Mastercard.

Elliot Castro
Since you talking about a different country. They may push or may not push the wal-mart card or wal-mart credit card

I think the U.S. Walmart discover card will run through the Mastercard system in the U.K. unless that has changed.



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