Have you ever checked your bank statement and spotted a 702 SW 8th ST charge on credit card? If you’re scratching your head, wondering what this is, you’re not alone. This mysterious charge has puzzled many people, sparking questions about whether it’s legit or something to worry about.
What Does 702 SW 8th ST Mean?
The 702 SW 8th ST charge on credit card usually points to a transaction linked to Walmart. This address is the corporate headquarters of Walmart, located in Bentonville, Arkansas.
When you see this on your statement, it often means you made a purchase at a Walmart store, online at Walmart.com, or through one of their services, like Walmart+ or Sam’s Club.
Large companies like Walmart often use their headquarters’ address for billing, especially for online orders or centralized transactions, which can make things look a bit confusing at first glance.
But here’s the thing: not every charge with this address is straightforward. While it’s often tied to a legitimate purchase, there have been reports of unauthorized charges showing up as 702 SW 8th ST. So, how do you know if it’s safe or a red flag? Let’s break it down.
Why Does This Charge Appear on My Statement?
There are a few reasons why you might see a 702 SW 8th ST charge on your credit card. Here’s a quick look at the most common ones:
- Online Purchases: If you’ve shopped on Walmart.com, the charge might show up with the headquarters’ address instead of a local store. This is common for online orders or app-based purchases.
- In-Store Shopping: Even if you shopped at a local Walmart, the billing system might process the payment through their Bentonville headquarters, making it appear as 702 SW 8th ST.
- Subscriptions: Services like Walmart+ or Sam’s Club memberships often list this address for recurring charges. If you signed up for a free trial and forgot to cancel, this could be the culprit.
- Third-Party Sellers: Walmart’s online marketplace includes third-party sellers. Some of these transactions might use Walmart’s payment processing system, showing the 702 SW 8th ST address.
- Potential Fraud: In some cases, scammers may use this address to disguise unauthorized charges, especially if your card details were compromised.
If you live far from Arkansas and haven’t shopped at Walmart recently, an unexpected charge could raise suspicions. Let’s explore how to verify if it’s legitimate.
How to Check If the Charge Is Legit
Seeing an unfamiliar charge can be stressful, but don’t panic. Here are some practical steps to figure out if the 702 SW 8th ST charge is legitimate:
- Review Your Purchase History: Check your Walmart account or email for order confirmations. Look for receipts from recent in-store or online purchases that match the charge amount and date.
- Ask Family Members: If someone else has access to your card, like a spouse or child, ask if they made a purchase at Walmart. Sometimes, a family member’s shopping trip is the simple explanation.
- Check Subscriptions: Log into your Walmart or Sam’s Club account to see if you have an active subscription, like Walmart+ ($12.95/month or $98/year). Forgotten trials can lead to surprise charges.
- Contact Walmart: Reach out to Walmart’s customer service at 1-800-966-6546. They can provide details about the transaction, including whether it’s tied to an online order or in-store purchase.
- Call Your Card Issuer: If you can’t find a matching purchase, contact your credit card company. Ask for details like the Merchant Category Code (MCC), which can confirm the type of business behind the charge.
Here’s a quick table to help you decide when to take action:
| Situation | Action |
|---|---|
| Matches a recent Walmart purchase | Confirm with receipt; likely legitimate |
| No recent Walmart activity | Contact Walmart and your card issuer |
| Recurring charge (e.g., $12.95) | Check for Walmart+ or Sam’s Club subscription |
| Large or multiple unfamiliar charges | Report as potential fraud immediately |
Could It Be a Scam?
Unfortunately, not every 702 SW 8th ST charge is legitimate. Some people have reported unauthorized charges ranging from $10 to over $1,000, even when they haven’t shopped at Walmart.
These could be linked to data breaches, like the 2020 Sam’s Club incident where customer information was leaked. Scammers sometimes use Walmart’s address to make fraudulent charges look legitimate.
Here’s what to watch for:
- Unfamiliar Amounts: Charges that don’t match your typical spending or seem unusually high.
- Strange Timing: Transactions made at odd hours or when you weren’t shopping.
- Multiple Small Charges: Scammers may test your card with small amounts before attempting larger ones.
If you suspect fraud, act fast. Call your credit card issuer to report the charge and request a dispute. They may issue a temporary credit while investigating. You should also consider freezing your card or requesting a new one to prevent further issues.
Tips to Protect Your Credit Card
Preventing unexpected charges is easier than dealing with them after the fact. Here are some simple ways to keep your card safe:
- Monitor Statements Regularly: Check your credit card statement weekly for unfamiliar charges. Set up text or email alerts for real-time updates.
- Use Secure Websites: Only shop on trusted sites with “https” in the URL. Avoid entering card details on sketchy websites.
- Enable Two-Factor Authentication: For online accounts like Walmart.com, add an extra layer of security with two-factor authentication.
- Update Passwords: Change your passwords regularly, especially for online shopping accounts. Use strong, unique passwords for each site.
- Be Cautious at Checkout: When shopping in-store, watch for skimming devices at card readers, especially at self-checkout stations.
By staying proactive, you can catch issues early and keep your finances secure.
FAQs: What is 702 SW 8th ST Charge on Credit Card
Q1: Is the 702 SW 8th ST charge always from Walmart?
A1: In most cases, yes, it’s linked to Walmart’s headquarters in Bentonville, Arkansas. However, it could be fraudulent if you haven’t shopped at Walmart. Check your purchase history to confirm.
Q2: What should I do if I don’t recognize the charge?
A2: First, review your Walmart account and receipts. If you find no matching purchase, contact Walmart customer service and your credit card issuer to investigate and dispute the charge.
Q3: Can I get my money back if the charge is fraudulent?
A3: Yes, most credit card issuers have processes to reverse fraudulent charges. Contact your issuer immediately to file a dispute and protect your account.
Conclusion
The 702 SW 8th ST charge on credit card is usually tied to a Walmart purchase, either online or in-store, processed through their Bentonville, Arkansas headquarters. While it’s often legitimate, it’s smart to double-check your receipts and account history to confirm.
If the charge seems suspicious, don’t hesitate to contact Walmart and your credit card issuer to get answers. By keeping an eye on your statements and following the tips in this guide, you can protect your finances and avoid stress.
Disclaimer: This article is for informational purposes only and does not constitute financial or legal advice. Always consult your bank or a financial advisor if you suspect fraudulent activity or need help with credit card disputes.
