I have a Walmart credit card, that was obtained about 12 years ago when visiting one store in San Diego. When the lady in the store ask us if we ant a CC we told her we have no SSN because we are not US residents. She said was not a problem and I filled the form and got the credit card with a credit limit of 500 dollars.
During the years the credit limit has been increased up to 5,800 and have had the card without issues for the past 12 years now.
I do not have late payments, and my payments are always above the minimum
for example min=65, payment=100 or more, some months we do payments without consuming but most likely we use it every other month. So everything was good until I received a new plastic (the blue card) that I need to activate by phone, but by calling the number I'm always asked to type the card number and the SSN that I have never had, no menu for options, no personal attention. I even tried to cheat the system by waiting without typing anything and the systems after 3 messages says "no response has been received, good bye"
Because I have the old plastic (the one with the happy face
) I was still using it until this week when they decline the card. Asked the personnel at the store and they said I need to call to the number on the card (the one that requires a SSN) I explained the situation to the lady in the front desk and she said they cannot do anything,
that it is an automated system. I tried to use it online and same story, the card is rejected.
So, I waited for the mail expecting to receive a notice, but there is no notice at all about the cancellation or rejection, the last minimum payment was 85 and I paid 140 on time and it is well credited in the report, no late fees, no advice, nothing.
I have just read in this very site that they are in the rights of cancelling the card at any time. Perhaps they got scared that I have reached around 2000 bucks of credit (for which I'm paying around 140 to 150 per month minimum) and I have no SSN, neither a physical address in US, just the postal address.
What can I do? Should I just continue making payments until I reach zero and that is it? i feel that it is some how discriminating if that is the reason, they knew in first place I had no SSN when they expedite the credit card and as I said I have always be in good standing. Very sad history for me.
Please throw me your thoughts, what options do I have?