Walmart gives customers different opportunities to earn rewards and various other benefits like cashbacks when you apply and get the special Walmart store credit card, this credit card is made possible with credit bureaus, for customers applying for the Walmart store credit card, the company uses credit bureau like Equifax, TransUnion, and Experian to verify customers information and to make sure they are eligible to be issued with the credit card, their credit card is a MasterCard which is supplied by the capital one bank, to be eligible for the credit card, customers applying are required to have a credit score of at least 640 and also a social security number.

What is a Walmart credit card?

The Walmart credit card is a Mastercard supplied by the capital one bank, customers who use the credit card get rewards and bonuses as well as no annual fees, cashback bonuses, and access to the MasterCard travel services which include dining and travel rewards, the card is also known as the Capital One Walmart rewards card, it gives a 5% cashback when used on the online Walmart platform, this also includes on pickup and delivery, other rewards included in the Credit card is a 2% cashback when the car is used in Walmart stores and fuel stations as well as restaurants and when traveling, and also a 1% cashback everywhere else the credit card is used. The card offers benefits like getting security alerts when capital one detects suspicious activity, managing bills, and other online payments through the capital one app, a $0 fraud liability which means you are not charged if you lost your card, and a card lock feature.

What credit score do you need to get the Walmart credit card?

With a “no annual fee charge” and all the cashbacks it offers, the Capital one Walmart rewards credit card could be one of the best for your grocery shopping needs, the card pros could include a no annual fee payment, having varying ways of redeeming your rewards, getting different rewards for online shopping, and a no penalty APR. you get a 5% cashback bonus when you apply for the card for the first 12 months, and register on Walmart pay, to get the Walmart credit card you would need to typically have a credit score of above 640, meaning if you have a credit score above 640 you would most likely qualify to have a Walmart credit card.

What are the Different credit bureaus in the United States?

in the United States credit, there are three credit bureau Walmart agencies which include Equifax, Experian, and TransUnion, one of the functions of these agencies is to provide credit reports and scores which banks and other organizations like Walmart use to provide specific services to customers, credit reports are listings of your bill payment history, loans, current debt, and similar relevant financial information, the report also includes things like where you work and live and if you have been sued to the court before, arrested or even filed for bankruptcy. The report is used by lenders and other similar money lending organizations to make decisions on whether your application for loans will be approved and at what interest rate you may be charged, your employers, insurers, and landlords may have access to your credit report. You also have access to your credit report for free from any of the credit reporting agencies.

Conclusion

If you want access to your credit report you can get it from the website “annualcreditreport.com or you can also call the TTY service at 1-877-322-8228, or you can send a mail when you complete the annual credit report request form to the annual credit report request service PO box 105281, Atlanta GA 30348-5281, if at any time you were denied access the free copy of your annual credit report, you can contact the Credit reporting agency directly for possible solutions to the problem, if you do not want secondary access to your credit report you can request a credit freeze, this applies for cases such as identity theft and data breach.

How can I place a credit freeze?

You can place a credit freeze by contacting the CRA to place a freeze on your credit report either online, by mail, or by phone.

What lenders does Walmart use?

Walmart uses Capital one as its credit card issuer since 2019.