I received another pre-approval in the mail and applied online today. Well, they gave me another card with a limit of 1300 dollars, no annual fee, and 0% APR for until Feb 1, 2009. My other Wamu Platinum Visa has a limit of 1000 dollars. I will combine both cards in the future since both don't have annual fees. Wamu must like me. I did not check my scores before I applied but I must assume they were good enough for me to get a second card from them with a limit higher than the first.
Comment Title: Congratulations From KMoneyon 2008-07-21
That is so great. Do you have other cc's as well besides the WAMU platinum Visa?
Comment Title: RE: Clifton From Hjm331on 2008-07-21
Unfortunately, WAMU doesn't allow you to combine cards. I don't know if they will change this rule in the future but that's the way it is now.
Comment Title: Thats Cool! Enjoy! From RivasGloon 2008-07-21
I have received 3 preapps from them in the past month and half but idk whether I should apply or not... I already have a Wamu Plat Visa w/ a CL of $1500, had it since 12/2007...
Comment Title: Scores? From Wildrage2on 2008-07-21
What where your scores when you applied?
I've taken a moritorium on applying, but plan on applying for 'primer' cards this fall. I have an acct. With Wamu and was preapproved for a card, but am waiting until Oct or Nov to have a better chance at applying and to get a better limit. Right now my FICO is around 630, and from what I read, something higher then 650 is probably best for this card...
Wildrage, I received tons of preapprovals from WAMU last year and my TU score was somewhere around 640-655. I got a limit over $4k and I had a few baddies on my re port so I'm not sure if that day was my lucky day or not. However, I do have a couple of old store trade lines that have high limits and no negatives or lates on them.
However, last year was better economically than where we are now so...
Nice... Wamu wont give me credit card... I have an bank account with them but they are still in gripes about the Providian account I had defaulted on in 1999. I was young and DUMB... It should be coming off my report here within the next year or so.
If WaMu blacklists, then you're out of luck. Personally, I'd rather have more BOA cards than a WaMu card.
Comment Title: My Cards As They Stand Right Now. From Cliftonon 2008-07-22
Wamu Visa #1= 1000 dollar cl
Wamu Visa #2= 1300 dollar cl (waiting for it to arrive)
Chase Platinum Visa=400 dollar cl
Cap1 Visa #1 = 1600 dollar cl
Cap1 Visa #2 = 1600 dollar cl
Direct Rewards Discover Network (HSBC) =1400 dollar cl
HSBC Cash or Fly MC= 2350 dollar cl
FPB VISA = 400 dollar cl
Credit One Platinum Visa = 300 dollar cl
Target Red Card = 200 dollar cl
No more applying' for awhile. I need to stick to this.
And I really wonder why WAMU wont combine cards. Especially if both don't have annual fees.
Comment Title: 2 Wamu Cards From Mrrobon 2008-07-22
Since there are some on this site that have 2 cards from Wamu, would you consider giving me one of them (lol)? I just had to ask
Comment Title: I Dont Know What To Say Except.. From Cliftonon 2008-07-23
Unfortunately Wamu cards are much like Groovin' CD's--"Brotha, you gotta go get your own" LOL.
Comment Title: RE: Clifton From Hjm331on 2008-07-23
If I were you, I'd combine both of my Capital One cards to have a card with a $3,200 limit. Keep the card with the longer history. This way, the card you keep will have a $3,200 limit reporting on your credit report and the lenders you have credit cards with will try match or come close to your highest CL if they want to keep your business. This is a good strategy to get higher CL's and increase your score.
I combined both of my Capital One cards 2 weeks ago and I have one card with a $3,550 limit now. I am going to try to get BOA to match that limit since I heavily use both of their cards.
Thanks for the compliment. But I do not have a financial background really, well not in credit management. However there are several members on here that are, and they give great advice by the way. I...
Personal loans are typically harder to obtain, especially ones with no collateral. It's very hard to get one from any of the major banks. You might talk to a local credit union and ask them what your...