Does WalMart Credit Card offer 24 hour customer service?
A:Yes! This call center operates 24 hours a day, 7 days a week.The least busy day is Sunday, and the most busy day is Monday.Schedule a call when it's convenient for you.
Q:
How long will I wait on hold?
A:The average hold time is 2 minutes and 24 seconds.The longest hold times are on Tuesday, and the shortest are on Wednesday.You can skip the hold time for free.
Toll-free · 24 hours, 7 days · Calling this WalMart Credit Card number should go right to a real human being · Say or enter your 16-digit card number. · Free tools available: Talk for me, Skip the wait, Schedule my call
How do I get through the phone menu to a live person?
Consider using our free service that calls and talks to customer service for you, then sends you a report. Or use our free service that waits on hold and tells you when a human rep is on the line. But if those options don't appeal to you, our team has also documented the phone menu for WalMart Credit Card below.
Our AI powered phone can dial, navigate the phone menu, wait on hold, and even talk to customer service for you, for free. You don't even need to learn about the path through the various phone options.
That same, free GetHuman Phone can call and navigate the menus and wait on hold for you, but you can opt to do all the talking. We notify you when a rep is on the line and ready to talk, so no need to worry about changing menu options and weaving your way through the maze.
Of course, we completely understand if you prefer to do all the dialing, waiting, and talking yourself. All of these free tools are optional.
GetHuman researchers routinely call this WalMart Credit Card phone number to document the phone system.
Here is how our research team describes the way the WalMart Credit Card phone system greets you: Say or enter the last 4 digits of your card number.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest:Press 0 two times, then say "Why you are calling."
Below are some clips we've found from WalMart Credit Card's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:
Heard when the phone system first answers
"Thank you for calling Capital One about your Walmart credit card.
This call is being recorded. Say"
Excerpt from a call with WalMart Credit Card
Wednesday, January 17, 2024 4:22 PM
They may ask for information for security purposes
"Thanks. I found your account.
And for security, what's your birth date?"
Excerpt from a call with WalMart Credit Card
Friday, November 22, 2024 7:04 PM
They may ask your reason for calling (instead of a menu)
"You can also say apply for a new account.
Which of these are you calling about? Your current account, the status of a new account application, or applying for a new account?
You can also say, help me with something else.
Got it. Sure. Please choose the account type.
You can say credit card, banking, investing, or auto loan."
Excerpt from a call with WalMart Credit Card
Monday, December 23, 2024 6:20 PM
They may ask you to enter information with the dial pad
"You can also say apply for a new account.
Could you repeat that? Please speak a little louder. Please say or It looks like we're having some trouble.
Let's try another way. Using the keypad on your phone, please enter your sixteen digit card number."
Excerpt from a call with WalMart Credit Card
Wednesday, February 12, 2025 1:38 AM
They may ask you to say or enter information
"Thanks for calling Capital One.
This call is being recorded.
Please say or
Agents will be able to help you much faster if I verify your card information first. If you do not have a One card, if it is lost or stolen or you need time to search for it, just let me know.
Otherwise, please say or enter your sixteen digit card number now."
Excerpt from a call with WalMart Credit Card
Monday, June 30, 2025 8:00 PM
What are the hours and when should I call?
WalMart Credit Card operates the call center for this 877-294-7880 phone number 24 hours, 7 days.The short answer is that you should call on a Wednesday.This observation and the following section are based on analysis of a sample set of 1,230 calls made in the last 90 days using our free, web-based phone (see above).
Call when they- and you- are open
When you use our free AI-powered phone to call and talk, wait on hold, or navigate for you, you can also schedule the call with WalMart Credit Card at a time when they are open and when it works for you. We will confirm you are ready before placing the call, just in case. That means you can "set it and forget it" ahead of time.
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this WalMart Credit Card phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like WalMart Credit Card staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.
The least busy time to call
The least busy day to call WalMart Credit Card is Sunday.The most busy day to call is Monday, which averages 51% more phone calls by comparison.Again, this is based on a sample of 1,230 calls made with our AI-powered, web-based phone in the last 90 days.
Sun
Quietest
Mon
Busiest
Tue
Wed
Thu
Fri
Sat
The shortest wait on hold
We measured the shortest hold times to be on Wednesday.The longest wait in the queue on average occurs on Tuesday, which is 1083% longer than the minimum.As you can see, there is more fluctuation in hold time over the course of the week than there is in call volume.
In summation, the best day to call WalMart Credit Card is Wednesday.It isn't the least busy day, but the fact that hold times are shortest combined with it being on the busy side tells us that WalMart Credit Card staffs up on Wednesday to handle the higher call volume, and that makes it the best time to call.
Calling this number is helpful if you have a credit card with WalMart or you plan to apply for one, but not so much if neither of these applies to you. When I called this number, I was asked to provide my 16-digit account number, or I could say that I didn't have one and ask for assistance another way.
I opted for the second one, and I was pleasantly surprised to hear that the system provided me with several options for my next move. I was asked if I wanted to apply for a credit card, get the status of a new application or check information about my current account.
I said credit card application to see what that process would be like, and I was taken forward to that setup. I was told that because of call volumes that were higher than normal, I should expect a long wait time on my call.
Sure enough, the call connect to the next checkpoint told me that I would need to wait for approximately 20 minutes before I would be able to get assistance. Not willing to wait that long and not planning to apply for a card anyway, I decided to hang up after waiting a minute to see if the system would offer me the ability to call back or otherwise reserve my place in line. It did not do so; holding or hanging up were the only options.
Based on this, I think the service might be good if I was calling to get assistance with an actual card, as the menu is detailed and allows you to quickly move through things. If you're calling to get a card, you'll probably be better off going online to apply for a card that way. I wouldn't use this prior to becoming a customer, but I would if I was a customer.
Christian has been writing about long hold times and customer service call center experiences since 2010. He's been featured in Bloomberg, the Wall Street Journal and the Boston Globe.
Why Customers Call WalMart Credit Card
If you have time to do a bit of reading before you call WalMart Credit Card, we recommend you read over some of our problem-specific articles.
Click the link above to get answers to just about any WalMart Credit Card customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to WalMart Credit Card, and their purpose. Are any of these similar to the reason you are trying to call?
Barcode for purchase: "I was approved earlier online for the Walmart credit card, and I'm trying to make a purchase."
- From a call lasting 5m 14s , Jul 12, 2025 8:32 PM
Account inquiry: "I just wanted to know. So that's not my Walmart card. Correct?"
- From a call lasting 2m 30s , Jun 30, 2025 8:00 PM
Information about why customers call WalMart Credit Card is extracted from issues that customers have reported to GetHuman.
As a last, sometimes only, resort- WalMart Credit Card customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.
Conclusion and closing notes
This is WalMart Credit Card's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a WalMart Credit Card agent. This phone number is WalMart Credit Card's best phone number because 372 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 877-294-7880 include Complaint, Lower rate, Setup account, Overcharge/Strange charge, Cancel account and other customer service issues. Rather than trying to call WalMart Credit Card first, consider describing your issue first; from that we may be able to recommend an optimal way to contact them via phone or web. In total, WalMart Credit Card has 3 phone numbers. It's not always clear what is the best way to talk to WalMart Credit Card representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.
GetHuman does not provide call center services or customer support operations for WalMart Credit Card. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like WalMart Credit Card. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.
