So whaddya want? It's Woodman's. You want a five star hotel experience, don't go to Woodman's. You want cheap beer, cheap everything, and tons of selection, and understand what normally comes with that, i.e. no frills, then do go to Woodman's.
Is it sketchy and ghetto and almost totally lacking in customer service? Yes, yes it is. Does it have everything you could ever want or need from a big box type of grocery store at ultra low prices? Yes, yes it does.
My four stars are based on my realistic expectations. Do I leave with everything I need with a minimum of fuss and most of my money still in my pocket? Yes. Yes I do.
As previously and repetitively noted, they don't take cards, except by debit. There is a no-fee ATM by the self checkouts at the liquor store end of the building.