Does WAMU ever lower APRs?

Anonymous · ‎10-09-2007

I hate my Providian/WaMu card - 16.9% APR!! I requested a APR decrease with no luck and my utilization is always between 1-3% - errhhh.

Do they ever lower APRs? I hate this card...if it weren't bad for my credit file I would cancel them out of principle alone! -lol

Anonymous · ‎10-09-2007

Do you have other cards besdies the WaMu? If so, sockdrawer them for a few months and they may lower your rate to tempt you to use the card.

Anonymous · ‎10-09-2007

WAMU's cards are APR plus prime-

Anonymous · ‎10-09-2007

Thanks for the advice - sock drawer it goes - I don't need it...they just piss me off, lol!

Anonymous · ‎10-09-2007

Wouldnt be the first time I've heard of non-usage sparking a lowering of APR

haulingthescoreup · ‎10-09-2007

@Anonymous wrote:
Wouldnt be the first time I've heard of non-usage sparking a lowering of APR

Who knew that flirting would be useful in the credit world? Although I wonder if this concept is now familiar only to females over the age of 50, LOL.

--sock-drawering CC's can trigger a lowering of APR's!

--letting 1-9% report, or even less, gets FICO all hot and bothered!

I guess what goes around comes around, after all.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

Anonymous · ‎10-09-2007

Okay, does anyone actually have adrawer ONLY for socks. I don't own enough socks to have an actual sockdrawer. Maybe I should put my socks in my credit card drawer.

Okay I have an injury and its the Vicodin talking

Anonymous · ‎10-09-2007

@haulingthescoreup wrote:
@Anonymous wrote:
1-9% report, or even less, gets FICO all hot and bothered!

I guess what goes around comes around, after all.

What do you mean, lol? P.S. I also don't have a sock drawer - I have a clay pot my little brother made at school, - all unused/unwanted/disappointing cards go there, lol.

fused · ‎10-09-2007

Brammy wrote:

Okay, does anyone actually have adrawer ONLY for socks. I don't own enough socks to have an actual sockdrawer. Maybe I should put my socks in my credit card drawer.

Okay I have an injury and its the Vicodin talking

No, but I'm a brain surgeon and I stayed at a Holiday Inn.

Hahaha really funny! I'm from Hawaii so we don't have sock drawers as this would promote a mold infestation, so we slipper drawer our CCs. Just my SPAM delight, I couldn't resist! Ha!

Anonymous · ‎10-10-2007

I have a sock drawer. I have like 30 pair of socks. lol. I've definitely noticed after 6-12 months of no activity rates on my cards start dropping and promo aprs start popping up to motivate me to use them. I get motivated for sure!

Wamu has a Platinum card with lower rates. You can ask Wamu if they will upgrade you to Platinum.

Message Edited by ilovepizza on 10-10-2007 07:03 AM