recieved WAMU with a 4500 cl. requested bt to pay off orchrd. after 3 weeks informed bt did not go through because orchard would not accept electronic transfer. WAMU said BT mailed on 7/25 and allow 3-4 weeks fr BT to Post. VERY strasnge. Will not use Wamu card until balance transfer posts. Based on other posts particularlky "credit Boards" Wamu is tricky. Be careful. Known to reduce credit lines without warning causing overlimit fees etc