A Walmart credit card is actually issued by GE Money. It’s target user is the person with a fair credit score. For instance, a FICO score of 632 is considered an excellent rating in terms of being approved for a Walmart credit card. You can apply online and get the answer about whether it was approved or not in a matter of minutes. Or even less, if you have all the pertinent information on hand when you apply. You supply the information and the decision is made instantly. Your card is mailed to you and in a week or two you will be ready to use it when you shop at Walmart, Sam’s Club or at Walmart online.
There are a couple of nice features about the Walmart credit card. A couple of the really great features are that you can choose your own due date and that you have 25 interest-free days of grace. The ability to choose your own due date is excellent as it allows you to spread out your monthly payments. As with many of the top-notch credit cards, the Walmart credit card offers zero percent fraud liability. Since there is so much credit card theft and fraud in today’s society, this protection offers you one less thing to worry about.
Walmart’s emphasis on family is also evident in the way it provides their credit card. For no extra cost or fee, your family can also have additional cards. It is a good solid basic card that gives your family the freedom to get their personal shopping done in a tried and true store while offering the typical fraud protection and a reasonable interest rate which is typically the lowest standard APR. It is not a rewards card but the lack of annual fee and the interest rate more than compensates for this.