Users can make payments on the Wal-Mart Credit Card or Wal-Mart MasterCard by phone, by mail, on the Wal-Mart website or in person at a Wal-Mart store. Those who pay online need to have a checking account, and there's an option to set up recurring payments. All options are free of fees except for non-automated phone payments that require assistance from a representative.
A person who wants to make a phone payment using a checking account can call (877) 294-7880 if it's for a Wal-Mart Credit Card or (866) 611-1148 if its for a Wal-Mart MasterCard. Wal-Mart also has separate payment addresses for people who pay by mail. The customer service desk at a local Wal-Mart store can also process a card payment, but the user needs to bring the card's monthly statement with them. Paying online requires that the register signs up for an account on Wal-Mart's credit card website and then enters checking account information. To make a payment, cardholders must know the name of the financial institution and it must be an United States bank. They must also know the associated account number and the American Bankers Association bank routing number. This number is the first nine numbers found on the bottom of the check across the bottom, beginning at the left. Another option for those without checking accounts is to use a service called CheckFree. This service allows users to pay via a credit card. Online payments take up to three days to post to the account. Regardless of payment option, the user can choose to pay the current balance, the minimum payment, the last statement balance or any other amount.
Other benefits of registering for an online account to pay a Wal-Mart credit card other than the ability to pay online is the ability to view the account statement online. Registrants can also set up account alerts to better manage their accounts.
The Wal-Mart MasterCard comes with cash back rewards for purchases and a discount on gas, notes Cardhub. Users get access to their credit scores for free each month, and the card comes with no liability for fraud. However, users can't make balance transfers with the card.