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Credit Card FAQs

Understanding how credit cards work can be tough. You’ll need to know how to activate your card, pay your bill, maintain your credit health and so much more. U.S. News experts have answers to some of the top credit card questions to save you time, money and stress.

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If you want to manage your Walmart credit card online – say, you’d like to check your balance or pay your bill – you will first need to know what type of card you have.

For Walmart Credit Cards or Walmart Mastercards:

If you have one of these cards, your account was issued by Synchrony. You’ll need to visit Synchrony’s site to pay your bill, view your statement, set up alerts or sign-up for e-billing.

If you’re a new customer, click the Register button. You’ll need to provide your Walmart card number, billing zip code and other personal information to continue. Once the system verifies these details, you can access your new account.

If you already have an online account, enter your user ID and password on the Synchrony site to access it.

For Walmart Rewards™ Cards or Capital One® Walmart Rewards™ Mastercard®s:

You can manage either card from this Capital One website.

For new customers, click the “Set up my account” link. You’ll need to provide your last name and birth date, along with your Social Security number, individual taxpayer identification number or bank account number.

Have your Capital One card nearby because you’ll be asked to link it to your online account. After the system verifies your card, you can sign into your new account.

If you already have a Capital One online account, click the “Sign in” button and enter your username and password.

You can learn more about retail store credit cards, such as Walmart cards, in the U.S. News guide to the best store cards. For a broader look at rewards cards, check out the U.S. News Best Rewards Credit Cards.

Published Oct. 23, 2020

If you’re certain that you’re ready to cancel your Credit One Bank card, call customer service at 877-825-3242. Have your credit card and personal information ready to verify your account. A representative will then walk you through the rest of the cancellation process.

But before you close your card, ask for the full payoff amount to ensure the account will not maintain a balance that accrues interest charges and fees. You’ll want to take the proper steps to close your account the right way and avoid damage to your credit.

If you’d like to remove the closed account from your credit report, you can also take steps to make sure it doesn’t affect your credit score.
These guidelines apply to all Credit One Bank credit cards, including:
U.S. News’ Best Credit Cards and compare tool pages can help if you’d like to research credit cards that could be a better fit for you.

Published Oct. 23, 2020

Capital One® Walmart Rewards™ Mastercard® users can reach customer service by phone or chat. Alternatively, you can find answers to FAQs at the Walmart Help Center by searching in the “Search help topics” box or browsing the questions.

If you don’t find the answers you need, you can:
  • Chat with Walmart. Scroll to the end of the FAQs on the help center page and click on the “Contact us” button, which will launch a chat box. You’ll be asked a question and connected with a Walmart representative.
  • Call Walmart. Cardholders can reach a Walmart credit card customer service representative at 877-294-7880. Keep your credit card and personal information handy in case it is needed.
You can learn more about retail store credit cards, such as the Capital One® Walmart Rewards™ Mastercard®, in the U.S. News guide to the best store cards. For more general credit card information, check out the U.S. News Best Credit Cards guide.

Published Oct. 23, 2020

If you need to activate a Chase credit card, here are the easiest ways:
  • Online. Sign into your online account at the Chase website, or register for one if you haven’t yet. If you’re signing in for the first time, Chase will ask you to enter your card numbers, personal details and other relevant credentials. Once you complete these steps, your new card will be activated.
  • By phone. Call Chase customer service at 800-432-3117. Chase will ask you to enter the last four digits of your card number, and a representative will guide you through the rest of the activation process.
These activation methods work with all Chase credit cards, including:
For more information on how to activate a credit card, check out this U.S. News article. This U.S. News Best Credit Cards guide can also help you find the right card for your needs.

Published Oct. 23, 2020

If you need to activate a Bank of America credit card, here are your best options:
  • Online. First, you must enroll in online banking if you haven’t done so already. You’ll need to provide your Social Security number and the last six digits of your new card number. Make sure you have your card numbers and personal details handy, and follow the on-screen instructions to complete activation.
  • Phone. Call Bank of America’s card activation line at 800-276-9939. Have your Social Security and card numbers ready because the automated service will ask for this information to activate your new card.
You can choose online or phone activation for any Bank of America card, including:
For more information on activating a credit card, check out this U.S. News article. If you need help choosing a new card, don’t miss the U.S. News Best Credit Card guide.

Published Oct. 23, 2020

Both the Walmart Rewards™ Card and the Capital One® Walmart Rewards™ Mastercard® can be activated either online or by phone.
  • If you’re a new customer and you want to activate your card online: First, sign up for an online account at the Capital One website by clicking on “Enroll & Activate.” You’ll have to provide your last name, birthdate, and Social Security, taxpayer ID or bank account number. You’ll then need to enter your Capital One card number to activate your card. After a brief verification process, you will have access to your new account.
  • If you’re a Capital One customer and you want to activate your card online: Click “Sign In & Activate” at the Capital One website and then log into your online account. You’ll enter your Capital One card number, and after the verification process, you can sign into your new account.
  • To activate your card by phone: Call the Capital One customer service line at 800-227-4825. Say “credit cards” when prompted, and then enter your 16-digit account number. You can then say “representative,”and an employee will walk you through the rest of the process.
For more information on Capital One credit cards, visit the U.S. News Capital One issuer page. The U.S. News guide to Best Rewards Credit Cards gives a broader look at general rewards cards.

Published Oct. 23, 2020

You can either apply for a credit limit increase on your Credit One Bank card, or you may automatically receive one.

If you are a new Credit One Bank cardholder, you will get a limit based on your creditworthiness.

Gradually, you could earn an automatic credit limit increase by building your income, keeping your credit utilization ratio low and making your payments on time, according to Credit One Bank.

Alternatively, you can request a credit limit increase from Credit One Bank. You’ll need to either set up online account access or sign into your account from the Online Account Access box.

You’ll provide your name, email, Social Security number, credit card information, plus a username and a password, to establish your online account. After a short verification process, you should be able to sign into your account.

Once you’ve signed in, click the Settings button on the site menu at the top of the page. Click the “Request a credit line increase” button and follow the prompts.

If you’d prefer to call instead of go online, you can reach the Credit One Bank customer service line at 877-825-3242. Just make sure to have your personal and credit card information handy.

These guidelines apply to the most popular Credit One Bank credit cards, such as:
If you’d like to evaluate more Credit One Bank cards, try the U.S. News compare tool and search for “Credit One Bank.” For a broader look at alternatives, check out U.S. News’ picks for the best credit cards.

Published Oct. 23, 2020

Within seconds of applying for a credit card, you will receive an email from Wells Fargo with your status at the address you provided in your application. The email contains an access code, which allows you to check your application online if you are not a Wells Fargo online customer, and it designates approval, denial or pending status.

This quick guide can help you access your application status.
  • By email: Open the Wells Fargo email discussing your status. Click the “View your application” link.
  • Online:Enter either your username and password or your access code online if you signed up for Wells Fargo Online account access. New users can sign up for an online account. You’ll need to click “Enroll now” in the center of the page and provide your last name, birthdate, access code and last four digits of your Social security number. After signing in, you’ll see a description of your application status.
  • By phone: Call the Wells Fargo customer service line at 877-246-3914. If you’re a new customer, be sure to have your access code nearby. If you’re a returning customer, the representative will ask you for your account information. After verifying your information, the representative will discuss your application status with you.
These tips apply to all Wells Fargo credit cards, including:
Check out U.S. News’ Wells Fargo issuer page to learn more about these cards, and try this U.S. News tool to compare them. For a broader view, take a look at U.S. News’ picks for the best credit cards.

Published Oct. 23, 2020

Oftentimes, credit reports include terms that can be hard to decipher, which can lead to confusion and unneeded stress for consumers. This list includes some examples of codes you might see on your credit report.
  • AMEX: This will appear on your report if you have an American Express card or financial account.
  • CBNA: It stands for Citibank North America and will show up on your credit report if you have a Citi card or bank account. CBNA also might appear after THD (The Home Depot) or another one of Citi’s affiliate partners.
  • DISCOVER FIN SVCS: This means Discover Financial Services, and it will turn up on your report if you’re a Discover banking or credit card customer.
  • ELAN FINANCIAL SERVICE: Elan Financial Services is a credit card issuer offering cards through companies such as Fidelity Investments, Five Star Bank, Fulton Bank, People’s United Bank and Umpqua Bank. If you have an account with any Elan affiliates, this will pop up on your report.
  • JPMCB: This stands for JPMorgan Chase Bank, and it will appear on your report if you bank with Chase or have a Chase credit card.
  • SYNCB: If you have one of Synchrony’s store credit cards, you will see SYNCB on your credit report. The code will likely be followed by PPC (PayPal), or another code from a Synchrony partner.
  • TD RCS: TD RCS signifies TD Retail Card Services and appears on your credit report if you have a credit card with a TD Bank partner, such as Fred Meyer, Nordstrom and Target.
Your credit report is a detailed statement of your credit history.

Plan to check your credit report monthly if you’re trying to improve your credit score or planning to borrow money. Otherwise, you’ll want to check it every few months to prevent identity theft and catch fraudulent credit activity.

You can receive free weekly access to your credit reports from the three major credit bureaus through April 2021. Parents should also check their children’s credit reports.

Published Oct. 23, 2020

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