Have you ever checked your credit or debit card statement and spotted a charge labeled “702 SW 8th St” that made you pause? If so, you’re not alone—thousands of people across the country notice this entry and wonder what it means. Is it a legitimate purchase? A mistake? Or even a scam? In this in-depth guide, we’ll explore every angle of the “702 Sw 8th St Charge on Credit Card or Debit Card”, breaking down its origins, common reasons it appears, potential risks, and step-by-step ways to handle it.
Table of Contents
What Is the 702 Sw 8th St Charge on Credit Card?
At its core, the “702 Sw 8th St Charge on Credit Card” this charge is most often linked to Walmart, the retail giant with stores and an online presence everywhere. The address—702 SW 8th Street, Bentonville, Arkansas—marks Walmart’s corporate headquarters, a central hub where they process millions of payments. When you see this on your statement, it’s usually tied to something you’ve done with Walmart, like shopping in-store, ordering online, or signing up for a service.
But there’s more to the story. While it’s typically a normal transaction, some people report seeing this charge without any Walmart connection, raising questions about errors, fraud, or scams. To fully understand it, we need to dig into why it shows up, what it represents, and how to tell if it’s safe.
Why Does 702 SW 8th St Appear on My Statement?
Walmart is a massive operation, handling over $500 billion in sales yearly across 4,700+ U.S. stores and their website. When you buy something—whether it’s a bag of chips at a local store or a TV shipped to your door—the payment doesn’t always show the exact location. Instead, Walmart routes many transactions through their headquarters at 702 SW 8th Street. This centralized system keeps things efficient but can confuse customers when an Arkansas address pops up for a purchase made in, say, Florida.
Here’s a detailed look at why this happens:
Table 1: Common Reasons for the 702 SW 8th St Charge
| Reason | Details | Typical Amount | Frequency |
| Walmart.com Purchase | Online shopping for groceries, electronics, clothes, or household items | $10-$500 | One-time or recurring |
| In-Store Shopping | Purchases at any Walmart store, from small items to big-ticket goods | $5-$200 | One-time |
| Walmart+ Subscription | Membership for free shipping, gas discounts ($12.95/month or $98/year) | $12.95 or $98 | Monthly or yearly |
| EBT Payments | Using Electronic Benefits Transfer for food purchases | $20-$150 | Varies |
| Third-Party Marketplace | Buying from other sellers on Walmart’s website | $15-$300 | One-time |
Everyday Examples
- Groceries Online: You order $75 worth of food from Walmart.com for delivery. The charge shows as “702 SW 8th St” because it’s processed at headquarters.
- Store Run: You grab $30 in snacks at your local Walmart. The payment goes through Bentonville, not your town.
- Membership Fee: You signed up for Walmart+ last year, and your $98 annual fee hits, listed with this address.
Beyond Walmart: Other Possibilities
Walmart dominates this charge, but Bentonville is a growing city with other businesses. Could another company use 702 SW 8th St? It’s rare—Walmart’s headquarters is specific to their operations. However, there’s a bigger concern: scammers might disguise fake charges with this address to trick you into thinking it’s legit. We’ll explore that in detail later.
How to Investigate the 702 SW 8th St Charge
Seeing “702 SW 8th St” and not sure why? Don’t worry—here’s a thorough guide to track it down:
1. Review Your Recent Activity
Start by playing detective with your own spending:
- Walmart.com: Log into your account at Walmart.com. Click “Order History” and scan for purchases matching the charge’s date and amount. Look at both shipped and pending orders.
- In-Store Receipts: Check your wallet, purse, or email for Walmart receipts. Even small buys—like $5 for batteries—could be it.
- Walmart+ Membership: If you’re a member, look at your subscription start date. Monthly fees hit around the same time each month; annual ones renew yearly.
2. Decode the Charge Description
Your statement might give clues. Here’s what different versions mean:
Table 2: Charge Description Breakdown
| What It Says | What It Means | Next Step |
| “Walmart 702 SW 8th St AR” | General purchase (store or online) | Check Walmart receipts/orders |
| “702 SW 8th St 800-966-6546” | Likely an online order | Call Walmart if unsure |
| “WM EBT Bentonville” | Food benefits payment | Verify EBT use |
| “Walmart Grocery 702 SW 8th” | Grocery pickup or delivery | Check Walmart.com grocery orders |
3. Ask Others Who Use Your Card
If your card is shared—say, with a spouse, parent, or roommate—ask, “Did you shop at Walmart lately?” A quick “Oh yeah, I got dog food” could solve it.
4. Contact Walmart Directly
Still puzzled? Call Walmart at 1-800-925-6278 (1-800-WALMART). Say, “I’ve got a charge from 702 SW 8th St on [date] for [amount]. Can you look it up?” They handle tons of calls like this and can confirm if it’s theirs. Have your statement handy for details.
5. Check With Your Bank or Card Issuer
Walmart might not know everything. Your bank sees the merchant side. Call the number on your card and ask, “Who sent this 702 SW 8th St charge?” They’ll have extra info, like the exact transaction type.
6. Analyze Timing and Amounts
- Small Charges: A $1-$5 hit might be a pre-authorization (a hold to test your card) or a scam test.
- Recurring Charges: Monthly $12.95? Probably Walmart+. Random repeats? Could be trouble.
Is the 702 SW 8th St Charge a Scam?
Most of the time, this charge is legit—just Walmart doing business. But it’s not always clean-cut. Some people see it without shopping at Walmart, pointing to possible fraud or errors. Let’s break down the risks.
Signs It Might Be Trouble
- No Walmart Link: Haven’t shopped there in months? That’s suspicious.
- Tiny Charges: Scammers often test cards with small amounts—like $2—before bigger hits.
- Location Oddity: Live far from Arkansas and didn’t order online? Why this address?
- Repeated Charges: Multiple unexplained entries from 702 SW 8th St aren’t normal.
How Fraud Could Happen
- Skimming: Thieves attach devices to card readers—at Walmart or gas stations—to steal your info.
- Phishing: Fake emails or texts (“Walmart Order Confirmation”) trick you into entering your card number.
- Data Breaches: A hack at Walmart or a third-party seller could expose your details.
- Masking: Crooks use legit addresses like 702 SW 8th St to blend in.
What to Do If You Suspect a Scam
Worried it’s not legit? Act fast—here’s your full plan:
1. Call Your Bank or Card Issuer
- Dial the number on your card and say, “I don’t recognize this 702 SW 8th St charge.” They’ll freeze your account or send a new card.
- Most banks offer “zero liability” for fraud if you report within 60 days—some debit cards need 30 days, so check your terms.
2. Reach Out to Walmart
- Call 1-800-925-6278 and ask, “Is this charge from you?” Give them the date and amount. If it’s not theirs, they’ll say so; if it’s a mistake, they might refund it.
3. Monitor Your Accounts
- Log in daily for a week—look for other odd charges.
- Set up alerts (texts or emails) for every transaction. Most banks let you do this online.
4. Strengthen Security
- Change your Walmart.com password to something strong (e.g., “PurpleRain2025!”).
- Update passwords for your bank and email too—don’t reuse them.
5. Report the Problem
- Police: For big losses (over $100), file a local report. It helps with bank disputes.
- FTC: Go to ftc.gov and submit a complaint—it tracks fraud trends.
6. Check Your Tech
- Run a free antivirus scan (like Malwarebytes) on your phone or computer. Hackers might have snuck in.
Legitimate Reasons for the Charge
Not every 702 SW 8th St charge is bad. Here’s when it’s normal:
Table 3: Valid Scenarios for 702 SW 8th St
| Scenario | Why It Happens | Example Amount | How to Confirm |
| Online Order | Buying from Walmart.com | $45 (e.g., a rug) | Check Walmart.com orders |
| Walmart+ Fee | Membership payment | $12.95 or $98 | Look at membership date |
| Store Purchase | Swiping at a Walmart register | $15 (groceries) | Match with receipts |
| Pre-Authorization | Temporary hold to verify your card | $10 (drops later) | Wait 1-3 days or call bank |
| EBT Use | Food benefits processed centrally | $60 (food items) | Check EBT balance |
| Marketplace Buy | Third-party seller on Walmart’s site | $20 (a toy) | See Walmart.com history |
More Context
- Pre-Authorizations: When you swipe at Walmart, they might hold $10-$20 to ensure your card works. It shows as “702 SW 8th St” until the real charge posts.
- EBT Details: Over 40 million Americans use EBT, and Walmart’s a top spot for it—central processing keeps it smooth.
Inside Walmart’s Payment World
Walmart’s headquarters at 702 SW 8th St isn’t just an office—it’s a financial engine. They use cutting-edge tech to process payments from thousands of stores and online sales, handling over 140 million transactions weekly. Fun history: Sam Walton opened his first Walmart in Rogers, Arkansas, in 1962, just 8 miles from Bentonville. By 1970, he built the HQ at 702 SW 8th St, turning a small-town idea into a global empire.
This central system saves time but swaps local store names for “702 SW 8th St” on statements—hence the confusion.
How to Protect Yourself Long-Term
Prevention beats cleanup. Here’s how to keep your money safe:
1. Pick Safe Payment Options
- Credit Cards: Better fraud protection than debit—disputes are easier.
- Virtual Cards: Some banks (like Capital One) offer one-time numbers for online buys.
2. Stay on Top of Things
- Check your account weekly—takes 5 minutes.
- Enable alerts for every charge—banks like Chase and Wells Fargo make this simple.
3. Shop Smart
- Use Walmart’s official site or app (walmart.com, not knockoffs).
- Look for “https://” and a lock icon in the browser—it’s secure.
4. Guard Your Card
- Tap to pay when possible—skimmers can’t grab it.
- Keep your card in a wallet, not loose in a pocket.
5. Lock Down Accounts
- Change passwords every 3-6 months (e.g., “SnowyPeak2025!”).
- Add two-factor authentication—a code to your phone doubles security.
Clearing Up Myths
Table 4: Myths vs. Facts
| Myth | Fact |
| “It’s always fraud” | Usually Walmart—just check it out. |
| “I went to Arkansas” | No, it’s their HQ, not your shopping spot. |
| “It’s a subscription trap” | Could be, but often a one-time purchase. |
How It Compares to Other Charges
Other mystery charges—like “WSDOT Good To Go” (a toll fee) or generic “POS Purchase”—confuse people too. The 702 SW 8th St charge stands out because it’s so tied to Walmart’s huge system, making it both common and tricky to decode.
Final Thoughts: Take Control
The “702 SW 8th St charge on credit card or debit card” is usually Walmart processing your payment from Bentonville, Arkansas. It might be a purchase, membership, or EBT use. If it doesn’t match your life, dig in—call Walmart, your bank, and secure your accounts. With this guide, you’re ready to tackle it. Share your story below to help others!
Disclaimer:
The information in this blog post is provided for general informational purposes only. It is not intended as financial, legal, or professional advice. Charges labeled “702 SW 8th St” may vary by individual case, and while we strive to offer helpful guidance, we cannot guarantee the accuracy of every scenario. Always consult your bank, Walmart, or a financial expert for personalized assistance. The author and publisher are not responsible for any actions taken based on this content. Links to external sites are for reference and not endorsements.
