Walmart Unscrupulous Sales Tactic - Stuck with Credit Card?

dealz4all wrote: ↑Just cancel it

broc wrote: ↑ Walmart doesn’t have a rewards program. Did you ask to see the pamphlet about how the “rewards” program works?

You even say a few times you had your doubts, but for whatever reason you didn’t really speak up. You had to have signed some documents. Did you read them?

Regardless, just cancel the credit card. And read what you’re signing up for.

dealz4all wrote: ↑Just cancel it

Centurivus wrote: ↑ I know I know, that's why I said it's easy to see what the best path forward in retrospect is. But I'm still bothered by the fact the cashier assured me it was a "rewards card" and not a "credit card" despite many times.

I will most likely end up cancelling it, but want to be aware if I should expect complications with my credit rating in any how because of the credit check.
I also am looking to register a complaint, and that's where I want to get some advice.
I understand it's easy to pity the fool (mne), but I'm past that, and I am just looking for the best way forward now.

It depends on whether it was a hard enquiry or soft enquiry
Thanks. I will most likely go through with this anyways, but I'm also looking to understand the implications to my credit rating for immediately applying and cancelling a card. And I also am looking for advice with regards to how best to proceed with a complaint.

dealz4all wrote: ↑

Centurivus wrote: ↑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?

Centurivus wrote: ↑ So some of you will be wise in retrospect, but please, bear with me.

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.

TLDR:

• 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?

dealz4all wrote: ↑ Just cancel it

You are on Redflagdeals now, you don't need to sign up for anything in-store lol

Centurivus wrote: ↑@bylo , I don't like to cause that type of attention, so I doubt I will ever go to the CBC Go Public Option. I also feel like I risk feeling the wrath of people who are less understanding and will just throw hate at me.

Centurivus wrote: ↑ @death_hawk it's a noteable point. In the long term, this shouldn't matter, and I agree I shouldn't be wasting a huge amount of time on this.

@bylo , I don't like to cause that type of attention, so I doubt I will ever go to the CBC Go Public Option.

@mario35 Yeah I figured it was some sales incentive. However, yeah the tactics were incredibly shady. I don't know if it was a language problem, but I think that monetary incentive was related.

@marc_t Noted. And I take that, because yes I do deserve it. But I learn from it.

@roblombardi That is actually a really good point, and a nice way of spinning my overblowing of the current situation.

@duderafI guess I might have to change that tactic, and just be a rude customer.

Yeah so I'm hearing it's not worth my time with BBB,

@DaVibe I will be sure to make a note of it. I fully accept it is a screw up of mine, but am still fully scrutinizing this incident to prevent any future ones from happening.

1. Contact the card provider by phone and let them know you were signed up for this card without your informed consent and that you want to cancel the account immediately. If they ask what happened, let them know.
2. Contact Wal Mart customer service - Facebook or twitter. They also have phone, Email or in-person. Let them know that you specifically told the cashier that you did not want a credit card, but she signed you up anyway and told you it was only a 'rewards' card.
3. Next time you're in or near that location, ask to speak to the Store Manager. Not just a supervisor. Not the floor, or duty, or assistant manager. The manager. If they're not available, their name and number are usually posted at the customer service desk for your use. Use it. Let the manager know your situation.

cheapshopper wrote: ↑ She: Can you give me 3 reason why you shouldn't get this master card??

I just left all my stuff there and walked out.