Reply
Established Contributor
Posts: 513
Registered: ‎05-31-2007
0

WAMU..**sigh***

So I just called WAMU to cancel these two cards with $400 limits/each...Had them each almost two years...no lates...always more than the minimum...$39 annual fees...no cli's...Lady says no no no...how bout we just combine them...and I say no...says she's not authorized to do increases...so I continue to tell her to cancel...She puts me on hold...comes back and says she can do a $300 increase on 1 and $100 on the other and then combine the two for a total of $1200...and my annual fee is paid up till Jan...***sigh***...Guess I'll keep them until then....At least I got $400 out of them....and no inquiries...
New Contributor
Posts: 52
Registered: ‎05-09-2007
0

Re: WAMU..**sigh***

Whoooaa, I want to combine my 2 cards together.  I have a 1.3k (Visa) and 1k (MC), I called one time asking to see if they can combine them, and the answer I got was NO, we do not combine the cards.  I guess I'll try the cancel route. Smiley Happy

Starting Score: 580
Current Score: 580
Goal Score: 750


Take the FICO Fitness Challenge
Valued Contributor
Posts: 2,374
Registered: ‎03-15-2007
0

Re: WAMU..**sigh***

If you have a good account history, and your FICO has gone up at least 25 points or so since you got the cards, my guess is they will attempt to mitigate whatever it is about the cards that you don't like to keep you as a customer.
- - - -
in a credit-scoring postnuclear Stone Age...
Senior Contributor
Posts: 3,071
Registered: ‎05-17-2007
0

Re: WAMU..**sigh***

Well if they are paid for one more year with a CLI, great! When it comes time to pay the annual fee, ask to upgrade them to a non fee card. Or tell them you want to cancel again to waive fee. Right now if your scores are low, the extra card is helping build more history to bury baddies or build new credit. Their would be no advantage of combining them right now. I want a wamu card for the free PFICO scores.
If we never set higher goals we would never get as far.
sol, credit 101, acr, abbreviations, calc
Established Contributor
Posts: 513
Registered: ‎05-31-2007
0

Re: WAMU..**sigh***

My scores are not low now..probably in the low 600's when I got the cards..now all three scores are in the 700's and I have several better cards with much higher CLI's and no fees. I have had the HBSC cards for two years and was never even reviewed for CLI. Never ever a late payment and always paid more than the minimum. $0 balances now. I will just keep (it) them until the fee comes due again.
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.