I have been a member of Walmart+ since December 2024 (because I am an ADA person with restricted mobility). I also decided to enrol on OnePay card due to the benefits described by Team Clark. Shortly after I got it, I noticed that my credit score dropped by a significant number of points on your credit report. To cancel and close this account cost me a significant amount of time. I closed it finally, but it is still reported on all the 3 credit bureaus. I also noticed that my information has been stolen, and 5 accounts in 5 different states were “opened” and used for a large number of purchases. I do not recommend this option to other customers, but that would be your personal decision.
That sounds incredibly frustrating, especially after signing up for the benefits and ending up with credit and security issues. Thanks for sharing your experience it is definitely something others should be cautious about before applying.