Walmart Unscrupulous Sales Tactic - Stuck with Credit Card?
So a few days ago I was buying some discount Lego from my local Walmart, and normally I always go through the self-checkout because I don't like talking to people, but this time I went through the Cashier because I wanted to exit through the upper floor exit, and there was only a cash till available at the time.
The Cashier asks me if I have a Walmart Card and I say no. I do not want one. And now I don't remember the exchange fully, but it goes something like this, where I think he mentions that it is just a rewards card. I say to the cashier, "I don't want a Credit Card, but if you have a Rewards Card, then I guess that is okay". And I told the Cashier multiple times, "I don't want a Credit Card. You're telling me that this is only rewards card, right?" He punches it into the machine. I'm still a little confused, but I go with it, because I'm a nice person and don't like to cause trouble. By the end of it, he hands me a reciept and says I'll get mailed the card in a few days. I stand there after the checkout just checking the receipt to see if it mentions anything about a credit card or a rewards card, and it doesn't say anything. I start researching it on my phone. Eventually, I muster up enough courage to talk to the cashier again, "So this is just a rewards card right, and Not a credit card?" and he affirms me yes.
So a few days later (today) I get a card in the mail. I open the package and low and behold it says MASTERCARD.
The cashier probably made up something for my profession and my income level, because he NEVER asked me these, which would've alerted me to the fact that it was a credit card. I did more research and it seems that the rewards card is only a US thing, but it seems that they were both credit cards anyways, and the canadian one is a credit card too. Right now I'm pissed, because I asked the Cashier multiple times to affirm that it wasn't a credit card, and he assured me it was not.
Now I'm sitting here thinking that Walmart has done a credit check on me (lowering my credit score once again) and now I'm holding onto one of the most poorly rated credit cards.
I want to cancel this right away even before activating, but I thought I should reach out to this forum here to see if anyone has some advice for me.
I also want to make a complaint, but I don't know if it's worth even going into the store for. I think I'm supposed to go through the better business bureau, but I'm still fuming about it right now. I know now that Walmart doesn't have a rewards only card (like how shoppers has an optimum).
Any wise words?
(Yes I know now not to commit to anything without reading a schedule of the rates/limits) but at the time I didn't realize they could even sign you up for a credit card WITHOUT you having to fill out a form with your income level and everything.
- Cashier convinced me Walmart had a rewards card (not credit card) to make a sale.
- Didn't realize until credit card showed up in mail
- Probably has already made a dent in my credit rating.
- Research tells me it's not a very good card/customer service.
- Want to cancel it before even activating - should I?
- Want to make a complaint - in store? better business bureau?