Walmart Credit Card Payment Problems

I have a Walmart credit card. I made a substantial payment (paid in full) on August 4 2011. I went shopping on August 11 2011 and my card was declined while I was in line. I had to get out of line, go to customer service and call the number on the back of the card. I did so, and the lady that was on the other line told me that there was a hold on my card that it would not clear until tomorrow and that there was nothing that she could do. I had to pay for my now defrosting groceries with the remaining balance of the card and the rest with my debit card (which was to pay bills).

So, I go home and call 1800 walmart to make a complaint, they told me that I had to call 1-866-611-0048 and ask for a supervisor. So this is what I did. When I was transferred to a supervisor, I tried to explain to him that I made the payment, that it has cleared my bank but it is money that I am unable to use. He then told me that the funds will be available tomorrow. This is not helping me today when I needed the groceries, and the fact that I won’t be able to shop tomorrow as I have a job and have to go to work.

So, my complaint is that I can make a substantial payment (over $500), and Walmart can hold it for over a week so that I can not use it, but when I am late on a payment they are so fast to charge me a late fee. Can I charge them a fee for making me wait? I had to call and make arrangements with my electric company so that I can pay for the groceries today that I should have been able to use the card for. Its not like I can use the Walmart card tomorrow to pay my electric bill, now can I?

Where is the convenience of having a card if I can not use it? Why would I even use it if it is not even worth my time and effort? I pay my bill on time and pay it in full so that I dont get charged fees and I am still getting treated like crap!!!

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