by Michelle C.
Member since:
May 26, 2007

Question regarding the NEW, Walmart VISA?

May 16, 2008 06:27 PM UTC
views: 0 | comments: 38

Well, my man plans on officially getting the Walmart VISA with his stimulus check (he doesn't listen), but I'm afraid with fees as most cards eat lots of your money right out of your pocket and hopefully, Walmart VISA doesn' do this. Maybe you can give me your feedback and experience on having a Walmart VISA? Was there a lot of fees, for checking amount, etc?

Can Walmart VISA be used ANYWHERE? For example: If I want to order something online NOT from Walmart, can I place the order?

thanks,

Michelle

Comments: 38

Dorothy H. May 16, 2008, 6:39pm UTC
Sorry, I haven't shopped at Walmart in 7 years, nor would I give them any of my business.

I have no experience with the Walmart Visa. Just make sure you read all the fine print.

Your Gracee, is absolutly adorable.
juley g. May 16, 2008, 6:42pm UTC
Im pretty sure that Austin Cushing wrote an article about how they are a HUGE rip-off. You should send him an email. I am with Dorothy though, I try to avoid shopping there.
Amanda T. May 16, 2008, 6:58pm UTC
I remember Austin posting an arictle about it. So you might want to check his page out.
Roger Kiser, Sr May 16, 2008, 7:02pm UTC
I have one for three years and it can be used anywhere
Austin Cushing May 16, 2008, 7:14pm UTC
I did indeed -- entitled "Wal-Mart Debit Cards - A Waste Of Your Money". I suspect the title speaks for itself as to my opinion. You can check your balance free if you happen to be purchasing from Wal-Mart at the time, but checking it at an ATM will cost you 75 cents (and actually withdrawing money will cost you at least $1.95, above and beyond the normal ATM fees), for example. Read the Cardholder Agreement very carefully before you choose to use a Wal-Mart preloaded VISA card!
Marilyn M. May 16, 2008, 7:49pm UTC
I think most pre-loaded cards are a rip-off because of fees and restrictions.
Jan S. May 16, 2008, 8:36pm UTC
Yikes. I'm glad I read this. I had no idea.
Priscilla (wishing I was in Costa Rica) ~. May 16, 2008, 10:09pm UTC
I'm sorry, I have no idea.~
Elsie Duggan May 17, 2008, 2:20am UTC
I would be careful with a Walmart anything because their interest rates are so high, he will save money if he just spends his rebate check as cash, just my opinion, but you will have to convince Walt, lol. good luck
Ashley B. May 17, 2008, 6:39am UTC
I think I read in their sale paper that they will waive the fees and purchase price of the card for stimulus checks. Personally though, I find cards to be more of a pain sometimes. I'd just go with the cash, stick it in your bank account and invest in a mac card from your bank.
Sharon C. May 17, 2008, 7:47am UTC
You all are expecting a baby. Shouldn't he be putting it toward that?
Steph-in-NE ..... May 17, 2008, 8:16am UTC
dont I hear the interest rate are enormus they are like 21%,,, my husband works at wal mart and he refuse to get a card.
And why is it HIS cheeck, are you not married, dont you share and like sharon sid the babies should get it....
R o g e r .. May 17, 2008, 8:58am UTC
As you read the fine print look for clauses that tell you the interest rate is subject to change without notice. That lwent into effect earlier this year.
Esther IS Flesh and Blood S. May 17, 2008, 10:55am UTC
Not familiar with it but would not do it. You're better off opening a small bank account with Comerica that doesn't charge any fees and free checking and ATM!!
Christopher K. May 17, 2008, 11:57am UTC
If your referring to the Walmart pre-paid credit card visa.yes u can shop anywhere online.however,the drawback is,walmart charges you for every purchase you make and then some.

do like i do.there are 2 cards out right now that you only haveta pay for the card itself.one is the allaccessgiftcard....this card comes in increments of $25,$50 and $100...so whatever one u get,add 3.95 to it for the card.no other charges apply.....less you count what you buy of course.

the other good prepaid visa card is the one you purchase directly from USBank....this card costs $4.95 and you can load up to $500 on one card.i buy both these prepaid credit cards often for i shop alot online.every paycheck i buy one.

also FYI,both of these cards i mentioned ,you also have the option to purchase either a permanent prepaid card...meaning,.you buy it,then they send it to you in the mail...you load what you want on nit and when that uns out,load it again and so on.
go to USBank.com or the bank itself for info on it.
also for the other,go to allaccessgift.com for info on there loadable card.

hope this info helped
Christopher K. May 17, 2008, 11:58am UTC
if your reffering to an actual Walmart Visa persay...sorry,can't help ya there,i dont want a real credit card.i only buy prepaid ones.

anyway,have a good weekend and i hope i helped ya
Jodie P. May 17, 2008, 12:20pm UTC
Wal-mart is killing small business. If I must go I always make sure I person not a computer/ selfcheck handles my business. Selfcheck = zero jobs for people
Peter C. Frank May 17, 2008, 12:37pm UTC
Michelle,

I'm assuming you're talking about the Walmart Visa debit card. Just as with any other debit card, you can use it wherever the merchant accepts Visa (for Visa debit cards, or MasterCard for Mastercard Debit debit cards). So you can use it to make purchases where debit cards are accepted (provided they're on the same network), or where Visa credit cards are accepted.

If you plan on using it to store/withdraw money at an ATM, the fees can become quite ridiculous. Also, I don't know of any way to check your balance other than by making a purchase in the store (maybe there's a phone number you can call?).

As others have posted here, make sure you check out the agreement (which is basically a legal contract) before you do this. Lots of these cards charge fees for putting more money on the card, and it can become quite pricey!

Good luck!

Please check out my other content.
(I'm trying for the cash option this month):

My Articles
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Renee (Pres of Baby James Foundation) ~. May 17, 2008, 12:49pm UTC
I don't use credit cards period
denise e May 17, 2008, 4:41pm UTC
i would stay away from it from what i have read on their agreement, too many fees... you are basically paying them to use your own money. i would open up a bank account, most debit cards nowadays either have a visa/mastercard logo and can be used anywhere a credit card is used.
Austin Cushing May 17, 2008, 11:51pm UTC
This comment is to let you know that this content has reached at least ten comments, and as such has been removed from Comment Speedway! Congratulations!
Lawrence U. May 18, 2008, 12:54am UTC
Keep an eye on those fees and charges, Michelle! :)
Sammie Brown May 18, 2008, 10:22am UTC
Sorry, not sure I can help you with this. Looks like you got your answer anyway, though. ^_^
I am guessing your husband can not have or open a checking account for what ever reason. I would suggest using cash, but not carrying it all around with you all the time of course.

I do not know about the wal-mart debit cards, but from what people are saying they are ripping people off with fees and such, so it does not sounds worth it.
Karl Leuba May 19, 2008, 10:42am UTC
Join a Credit Union. Open the account with the stimulus Check and Get the Visa from them. Even Better get a debit card. Traditionally Credit Unions have the lowest cost and fees of any financial institution, and they generally pay interest on all deposits, and offer the lowest possible loan rates. If you can qualify for a Credit Union Account GET IT. Qualification for membership in a CU is not based on credit rating. It is usually based on your profession or the company you work for.

Credit Unions are almost all fully insured by the Federal Deposit Insurance Corporation, and if not, find a different CU.
Beth J. May 22, 2008, 8:46pm UTC
You can use a visa card anywhere.
Dan H. May 26, 2008, 5:27pm UTC
Thank you for sharing.
Kathy D. May 28, 2008, 1:46pm UTC
I don't use walmart anything, so I can't help you.
Kathy D. May 28, 2008, 1:46pm UTC
However, I'm trying to help by returning all the comments you've left me!
Kathy D. May 28, 2008, 1:46pm UTC
Have a great day, Michelle!
Hey, Michelle. Walmart charges around $5 for each time you load more money onto the card (prepaid Visa debit card) and about $5 per month for a "maintenance fee." If you aren't checking your balance anywhere besides online, that's free to do, and if you are just spending the money rather than making ATM withdrawals, then you can avoid those fees as well. If you are cashing a paycheck and loading the entire check onto the card, they waive the $5 loading fee, but they still charge $3 for the check cashing. And, if you load $1,000 onto the card within a calendar month, they will waive the following month's maintenance fee (but who can afford to do that, right?).

Hope this helps!
Oh, I should probably state that those are the fees charged here in North Texas. It's possible that they're different in other areas.
rkb b. Jul 14, 2008, 1:07am UTC
Trying to break the habit of charging things to credit cards and paying monthly interest on them, I purchased a prepaid walmart visa card to order some school supplies online. I wish that I hadn't. The walmart money center only takes payroll or tax return checks. You have to have cash to reload the card, which requires an additional trip to my bank, and they charge a fee to reload. You cannot transfer cash from your checking account to the card online either. I cancelled this card after two weeks. It was a waste of my time and money. It also cost me a $2 service fee to speak to a customer service person to cancel the card. (BTW--the customer service rep barely spoke english and I had a hard time understanding the words she was trying to convey.)
Frank James Feb 1, 2009, 7:45pm UTC
Can this Visa "Debit" be used to get cash on it overseas (Philippines)? I have used my own debit card to get cash at ATMS in the Philippines but I'm not sure about this card. I'd like to put cash on this card so my grandmother in the Philippines can get cash on it when needed. In her area, all they have is Western Union and I pay $20 every time I send her $200. This sounds cheaper...?
Steve M. Feb 24, 2009, 1:25am UTC
Since it's a Visa it should be accepted everywhere, but if it's anything like the Walmart Discover I wouldn't apply for it.

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