Have you ever checked your statement and spotted a mysterious WMT Plus charge on credit card? You’re not alone. Many people see this charge and wonder what it’s all about. Is it legit? Did you sign up for something you forgot about? Or is it something more concerning, like fraud?
What Is the WMT Plus Charge?
The WMT Plus charge on credit card usually comes from Walmart Plus, a subscription service offered by Walmart, the well-known retail giant.
Walmart Plus is like a VIP membership that gives you perks like free delivery, fuel discounts, and exclusive deals. If you see a WMT Plus charge, it’s likely tied to this membership, either as a monthly or yearly fee.
Walmart Plus costs around $12.95 per month or $98 per year, depending on your plan. The charge might show up as “WMT Plus,” “WMT Plus 2024,” or something similar on your statement. But what if you don’t remember signing up? Don’t worry, we’ll explore all the possibilities.
Why Is There a WMT Plus Charge on My Credit Card?
Seeing an unexpected charge can be confusing. Here are some common reasons why a WMT Plus charge might appear on your credit card:
- You Signed Up for Walmart Plus: Maybe you enrolled in Walmart Plus to enjoy free delivery or other benefits. The charge could be your monthly or annual membership fee.
- Free Trial Ended: Walmart Plus offers a 30-day free trial. If you didn’t cancel before the trial ended, it automatically switches to a paid subscription, resulting in a charge.
- Someone Else Used Your Card: A family member or friend might have used your credit card to sign up for Walmart Plus without telling you.
- Accidental Signup: Sometimes, during online checkout, you might accidentally opt into Walmart Plus, especially if you’re rushing through the process.
- Potential Fraud: In rare cases, the charge could be unauthorized. Fraudsters sometimes make small charges to test if a card is active before attempting larger transactions.
If you’re scratching your head over the charge, don’t panic. We’ll walk you through how to verify it and what steps to take next.
How to Verify the WMT Plus Charge
Not sure where the charge came from? Here’s a simple step-by-step guide to figure it out:
- Check Your Walmart Account: Log into your Walmart account on their website or app. Go to the “Walmart Plus” section under your account settings. If you see an active membership, the charge is likely legitimate.
- Review Your Subscriptions: Look at your email for any confirmation from Walmart about a Walmart Plus subscription. Search for terms like “Walmart Plus” or “WMT Plus.”
- Ask Household Members: If you share your credit card with family or friends, ask if they signed up for Walmart Plus.
- Contact Walmart: If you still can’t figure it out, reach out to Walmart’s customer service at 1-800-966-6546 or use the “Chat with us” feature on their website. Mention “Unauthorized Charges” if you suspect fraud.
- Check with Your Bank: Contact your credit card issuer to get details about the charge. They can tell you when and where it was made.
Here’s a quick table to summarize the verification steps:
| Step | Action |
|---|---|
| Check Walmart Account | Log in and review Walmart Plus membership status. |
| Review Subscriptions | Search emails for Walmart Plus confirmation. |
| Ask Household Members | Confirm if someone else used your card. |
| Contact Walmart | Call 1-800-966-6546 or use the website chat. |
| Check with Your Bank | Call your credit card issuer for transaction details. |
By following these steps, you’ll get a clear picture of whether the charge is legitimate or something else.
What to Do If the Charge Is Legitimate
If you confirm the WMT Plus charge is from a Walmart Plus membership you or someone in your household signed up for, you have a few options:
- Keep the Membership: If you shop at Walmart often, the benefits like free delivery and fuel discounts might be worth it. Review the perks to see if they fit your needs.
- Cancel the Membership: Don’t want to continue? You can cancel your Walmart Plus membership easily. Log into your Walmart account, go to “Manage Membership,” and select “Cancel Membership.” Walmart typically doesn’t offer refunds, but you can stop future charges.
- Set a Reminder: If you’re in a free trial, mark the trial end date on your calendar to avoid unexpected charges.
What to Do If the Charge Is Unauthorized
If you didn’t sign up for Walmart Plus and suspect the charge is fraudulent, act quickly to protect your finances. Here’s what to do:
- Contact Your Bank or Credit Card Issuer: Call the number on the back of your card and report the unauthorized charge. They can dispute the charge and may issue a refund.
- Lock or Cancel Your Card: Ask your bank to lock your card or issue a new one to prevent further unauthorized charges.
- Notify Walmart: Use Walmart’s customer service line or website chat to report the charge. They can cancel any membership tied to your card.
- Monitor Your Statements: Keep an eye on your credit card statements for other unfamiliar charges. Set up alerts with your bank for real-time notifications.
Fraud is rare, but it’s always better to act fast. Small unauthorized charges, like a $12.95 WMT Plus charge, can sometimes be a test by fraudsters to see if your card is active.
How to Avoid Unexpected WMT Plus Charges in the Future
Nobody likes surprises on their credit card statement. Here are some tips to prevent unexpected WMT Plus charges:
- Track Your Subscriptions: Keep a list of all your subscriptions, including free trials. Apps like Rocket Money or Truebill can help you manage them.
- Set Calendar Reminders: If you sign up for a free trial, set a reminder a few days before it ends to decide whether to keep or cancel it.
- Use Virtual Cards: Some banks offer virtual credit cards for one-time use. These are great for online purchases to avoid unwanted recurring charges.
- Review Statements Regularly: Check your credit card statements every month. Most banks let you set up alerts for transactions above a certain amount.
- Be Cautious During Checkout: When shopping online, read prompts carefully to avoid accidentally signing up for subscriptions like Walmart Plus.
Here’s a small table with tools to help manage subscriptions:
| Tool | Purpose |
|---|---|
| Rocket Money | Tracks and cancels subscriptions. |
| Truebill | Monitors subscriptions and spending. |
| Bank Alerts | Notifies you of transactions in real-time. |
| Virtual Cards | Provides one-time-use card numbers for safety. |
Using these tools can save you from unexpected charges and keep your finances in check.
Benefits of Walmart Plus: Is It Worth the Charge?
If the WMT Plus charge is from a legitimate Walmart Plus membership, you might wonder if it’s worth keeping. Let’s look at some key benefits:
- Free Delivery: Get unlimited free delivery on groceries and other items from Walmart stores.
- Fuel Discounts: Save up to 10 cents per gallon at participating fuel stations.
- Early Access to Deals: Get first dibs on sales during major shopping events like Black Friday.
- Mobile Scan & Go: Use the Walmart app to scan items as you shop and skip the checkout line.
If you shop at Walmart frequently, these perks can save you time and money. However, if you rarely shop there, you might want to cancel to avoid the monthly or yearly fee.
Common Scenarios and Real-Life Examples
To make this more relatable, here are a few scenarios where people noticed a WMT Plus charge:
- The Free Trial Trap: Sarah signed up for a Walmart Plus free trial to get free delivery during a busy month. She forgot to cancel, and a $12.95 charge appeared on her card. After checking her Walmart account, she canceled the membership and set a reminder for future trials.
- Family Member Mix-Up: John saw a $98 charge labeled WMT Plus. After asking his wife, he learned she used his card to sign up for Walmart Plus for their grocery deliveries. They decided to keep the membership since they shop at Walmart weekly.
- Fraud Alert: Maria noticed a $104 WMT Plus charge she didn’t recognize. She contacted her bank, disputed the charge, and got a new card. She also reported it to Walmart, who confirmed no membership was tied to her account.
These examples show how the charge can appear in different situations. Checking your account and acting quickly can resolve most issues.
FAQs About WMT Plus Charge on Credit Card
Q. What does the WMT Plus charge on my credit card mean?
A. The WMT Plus charge is usually from a Walmart Plus membership, costing $12.95 monthly or $98 yearly. It could be for a subscription you signed up for or an unauthorized charge.
Q. How do I cancel a Walmart Plus membership?
A. Log into your Walmart account, go to “Manage Membership” under the Walmart Plus section, and select “Cancel Membership.” You can also contact Walmart at 1-800-966-6546.
Q. Can I get a refund for an unauthorized WMT Plus charge?
A. If the charge is fraudulent, contact your bank to dispute it. Walmart typically doesn’t offer refunds for memberships, but your bank may issue a refund after investigation.
Conclusion
The WMT Plus charge on credit card can feel like a puzzle, but it’s usually tied to a Walmart Plus membership. Whether it’s a legitimate charge from a subscription you forgot about or a rare case of fraud, you now know how to verify it and what steps to take.
By checking your Walmart account, contacting customer service, or working with your bank, you can resolve the issue quickly. To avoid surprises, keep an eye on your subscriptions, set reminders for free trials, and review your statements regularly.
Disclaimer: This blog is for informational purposes only and should not be considered financial or legal advice. For specific guidance, consult a financial advisor or contact Walmart customer service.
