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WaMu Approval Process - Any Feedback is Needed and Welcome

Established Contributor

Re: WaMu Approval Process - Any Feedback is Needed and Welcome

Hey all guess what ... I got approved. Whoooooooo Hoooooooooo.  Called today to the number I was given to check my status and it stated I was approved. Spoke to a representative who advised I was approved for $3800. I know most of you have much higher limits, but this is now the highest limit I have with a much better offer for 0% APR. Still in rebuilding mode so I am pretty psyched. Now if I have the same luck with my BofA CLI request Smiley Happy

 

Edit to ask: Do all WaMu credit cards offer PFICO scores?

 

 


PurpleHaze wrote:

I received my bazillionith offer for the WaMu Platinum credit card 0% APR thru 2010 and 9.9% thereafter. I cracked and applied yesterday. I was also told it would take up to 3 weeks to get the status of the application. I asked do they have instant approvals and denials and I was advised no. I was also told I would have received the same waiting period if I apped online with the preapproval. The representative did advise I could callback within 3 days to check the status.

 

For those of you that have WaMu is this normal - waiting 3 weeks for a response? Please advise of your application experience. If you were told to wait, how long and were you approved or not approved? Any feedback is greatly appreciated.


 

Message Edited by PurpleHaze on 11-17-2008 08:47 PM

Starting Score: EQ: 633 (12/31/09) TU: 651 (12/31/09)
Current Score: EQ:633 TU: 651
Goal Score: EQ: 700 TU:700


Take the FICO Fitness Challenge
Message 11 of 25
Established Contributor

Re: WaMu Approval Process - Any Feedback is Needed and Welcome

Congrats! That CL is not small at all. WaMu is my highest CL as well.

Starting Score: TU 723, EQ 708
Current Score: TU 796, EQ 743
Goal Score: TU 800, EQ 800


Take the FICO Fitness Challenge


Starting Score: 708
Current Score: 743
Goal Score: 800


Take the FICO Fitness Challenge
Message 12 of 25
Regular Contributor

Re: WaMu Approval Process - Any Feedback is Needed and Welcome

Great Job!!  If you dont mind, what are your scores.  I know that they pulled Ex on me.

 

 

Fellow Forumer My2centsSmiley Wink

700 Club Member
Message 13 of 25
Established Contributor

Re: WaMu Approval Process - Any Feedback is Needed and Welcome


My2cents wrote:

Great Job!!  If you dont mind, what are your scores.  I know that they pulled Ex on me.

 

 

Fellow Forumer My2centsSmiley Wink


 

TU 638 EQ 608 EX 631.  They did pull EX. I had a previous Providian account which I opened in 1998. Believe it was closed by Providian in 1991. WHen I pull TU my EX report shows closed due to inactivity, however when I pull from MyFico is shows closed by credit grantor. Its been so long ago I dont know the real reason it was closed Smiley Happy

Starting Score: EQ: 633 (12/31/09) TU: 651 (12/31/09)
Current Score: EQ:633 TU: 651
Goal Score: EQ: 700 TU:700


Take the FICO Fitness Challenge
Message 14 of 25
Established Contributor

Re: WaMu Approval Process - Any Feedback is Needed and Welcome


Uniqua wrote:
Congrats! That CL is not small at all. WaMu is my highest CL as well.

 

Thank you. Do you know if this card offers PFICO? I dont see it in the preapproval infomation. The card is the Visa Platinum - dont know if WaMu offers more than one CC product.

Starting Score: EQ: 633 (12/31/09) TU: 651 (12/31/09)
Current Score: EQ:633 TU: 651
Goal Score: EQ: 700 TU:700


Take the FICO Fitness Challenge
Message 15 of 25
Established Contributor

Re: WaMu Approval Process - Any Feedback is Needed and Welcome

Yes, WaMu offers more than once CC product. I have the Visa Platinum and I do get the monthly PFICO score. It took 3 months though before I saw a score. I was approved in June so by the time I got the PFICO score, it was showing me my score from back then. I'm not sure why it is not mentioned on your pre-approval letter as it was mentioned in the trillion I had received from WaMu, but once you log into your account, you should see a section regarding your score (won't be any info right away so don't expect to see it for a few billing periods).

Congrats again!


Starting Score: TU 723, EQ 708
Current Score: TU 796, EQ 743
Goal Score: TU 800, EQ 800


Take the FICO Fitness Challenge


Starting Score: 708
Current Score: 743
Goal Score: 800


Take the FICO Fitness Challenge
Message 16 of 25
Frequent Contributor

Re: WaMu Approval Process - Any Feedback is Needed and Welcome

Congrats! Nothing yet on mine, no pull nothing. App'd on 11/8. Taking a while I guess!
Message 17 of 25
Established Contributor

Re: WaMu Approval Process - Any Feedback is Needed and Welcome


ralbusta wrote:
Congrats! Nothing yet on mine, no pull nothing. App'd on 11/8. Taking a while I guess!

 

Thank you. Call 800-356-0023 to check your status. My inquiry happened the same day I apped (spoke to a rep - did not use the getmycard link). Maybe your request didnt get completed. Good luck.

 

Edit to add: they pulled EX for me

Message Edited by PurpleHaze on 11-18-2008 06:20 PM

Starting Score: EQ: 633 (12/31/09) TU: 651 (12/31/09)
Current Score: EQ:633 TU: 651
Goal Score: EQ: 700 TU:700


Take the FICO Fitness Challenge
Message 18 of 25
Regular Contributor

Re: WaMu Approval Process - Any Feedback is Needed and Welcome


PurpleHaze wrote:

ralbusta wrote:
Congrats! Nothing yet on mine, no pull nothing. App'd on 11/8. Taking a while I guess!

 

Thank you. Call 800-356-0023 to check your status. My inquiry happened the same day I apped (spoke to a rep - did not use the getmycard link). Maybe your request didnt get completed. Good luck.

 

Edit to add: they pulled EX for me

Message Edited by PurpleHaze on 11-18-2008 06:20 PM

 

Did either of you have a derog on your report. I have1 derog from 5/2004 that I can't seem to get removed. 
Sustaining Change takes Support and Reinforcement !

FICOS 02/03/2013, TU -798, EQ - 805 ( Last known EX -812)
Message 19 of 25
Established Contributor

Re: WaMu Approval Process - Any Feedback is Needed and Welcome

I have a collection from 2005 and a tax lien from 2003.


Jayleesmimi wrote:

 

Did either of you have a derog on your report. I have1 derog from 5/2004 that I can't seem to get removed. 

 

Message Edited by PurpleHaze on 11-19-2008 08:10 PM

Starting Score: EQ: 633 (12/31/09) TU: 651 (12/31/09)
Current Score: EQ:633 TU: 651
Goal Score: EQ: 700 TU:700


Take the FICO Fitness Challenge
Message 20 of 25