I've been looking for a card to go after in the next few months just in case I feel I am not strong enough for Amex. I've noticed through a credit pull database that Providian seems to give $1k-$2k to TU scores over 620, even with collections. Have you noticed the same thing? Am I to assume they are a lenient lender that's considered more of an 'easy app' than the citi's/chase's of the world?
PS. When my util is down I should be mid/higher 600's all things = with TU
The general consensus is that WaMu falls in the range of "better than subprime but not quite prime."
Interesting. I wasn't sure of that. Yes, from the credit pull db it mentions Wamu/Providian.
I am probably to assume, then, that those glory days are over? Or is Wamu known for being a lenient lender and not as demanding as Amex/Citi/Higher End cards.