Gwendolyn M.

I contacted Walmart credit card services about $7.79 of interest that was charged on a credit card despite being completely paid off by the appropriate date except for $7. I was told that until the $7 was paid, Walmart was legally able to charge interest on the entire amount billed, not just the remaining $7.00. The rep. Said she would, as a courtesy, remove the interest BUT it is LEGAL to charge interest on monies paid if it is part of an existing unpaid amount on a statement. I told the rep that is illegal and she repeated several times that it is legal. (For example: the bill is $500. You pay $480. The Walmart rep confirmed that they will legally charge interest on the entire $500 until the $20 is paid). So keep your payment receipts, check your credit card statements, and question the interest charged.

I was directed to Amazon by a well known site I wanted to order a kindle book from. By ordering it prior to the release date, I would get all sorts of freebies, including a workshop on its release date. I don't like using my credit card on line, so I purchased an amazon gift card. Unfortunately, amazon does not honour its gift cards on the purchase of pre-order products, but I didn't find this out until I tried to order the product. The company excuse was that a credit card would prove who I am, that's why it was required. Really? An Amazon gift card on account means Amazon has the money, isn't that the idea? Give money, get product. So now Amazon has my $25, but I cannot order my $16 product while it is on pre-release sale and I miss out on the freebies. Amazon.ca - your policy of not accepting gift cards unless a credit card accompanies it, makes me question why you want the credit card because giving a credit card number does not prove my identity.
I called Amazon.ca again to see if I could get help resolving the issue, and was told they need a credit card because they might use it instead of the gift card, even if I choose the payment to be with the gift card, and they said there is no one who can help with this issue. Lesson learned - don't buy Amazon.ca gift cards because Amazon might not honour them.
I emailed the seller of the product about my problem. Several hours later I received 2 emails from 2 different Amazon reps apologizing for the inconvenience while informing me that I cannot use one type of PayPal, but I can use a different type of PayPal. Thanks for the options, but I did not ask about PayPal. The next day the book was released & I was able to use the gift card without a credit card number, despite being told the day before that I would still probably need a credit card. So in the end, I was able to purchase the product with a gift card & no credit card. I just wish it had been easier from the start.