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WaMu Visa

Frequent Contributor

WaMu Visa

Hi All,
 
So, I am rather confused right now.... I recently opened a new WaMu Account, and received a pre-approval for their platnium Visa... FYI, about a week ago, I got a $2500 CL MC from WaMu... I know I want 1 more credit card, so I applied... Well I was denied???
Anyone ever have this issue? Ever do a Recon with them?
 
Thanks!
 
 
Starting Score: 06/2010- EQ 464
01/2012-EQ 512
April Score: EQ 679 4/12TU- 677 EX- 699 (FAKO)
Current Score: 05/2012-EQ 691 4/12TU- 706 EX- 720(FAKO)
Goal Score: 700 by 05/2012- MADE IT!!!!


Take the FICO Fitness Challenge
Message 1 of 14
13 REPLIES
Regular Contributor

Re: WaMu Visa

Last year I applied on line for a Readers Choice card serviced by WaMu. They immediately turned me down because I had received a card from them in the last 60 (as I remember) days. The good thing is they did not do a hard inq.
Message 2 of 14
Moderator Emeritus

Re: WaMu Visa

I believe WaMu has a one-app-per-90-days policy.  Anything more than that will be an instant denial.
 
Hopefully, you wouldn't have gotten another hard pull for the second app, though.
 
----------------------------
App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. Smiley Surprised )
Message 3 of 14
Frequent Contributor

Re: WaMu Visa

Hmmm... Maybe that is why... Should I wait til I get my denial letter and call or should I call tomorrow to find out?
 
Thanks!
 
Bridget
Starting Score: 06/2010- EQ 464
01/2012-EQ 512
April Score: EQ 679 4/12TU- 677 EX- 699 (FAKO)
Current Score: 05/2012-EQ 691 4/12TU- 706 EX- 720(FAKO)
Goal Score: 700 by 05/2012- MADE IT!!!!


Take the FICO Fitness Challenge
Message 4 of 14
Established Contributor

Re: WaMu Visa



bridgetkaryn wrote:
Hmmm... Maybe that is why... Should I wait til I get my denial letter and call or should I call tomorrow to find out?
 
Thanks!
 
Bridget





You can call, no problem they will let you know the reason then and there.
-void
Message 5 of 14
Established Contributor

Re: WaMu Visa

Yes from my understanding you can have 2 WAMU cards (I have visa and mastercard) but they must be 60 days apart...
I want to join the 700 club one day I am getting there Smiley Wink
FICOS 12/17/07 EQ-597 EX-651 and TU-651
FICOS 01/18/07 EQ-594 EX-651 and TU-662 FICOS
04/21/2008 TU-680 EQ-613 EX-688
Message 6 of 14
Moderator Emeritus

Re: WaMu Visa

I thought for sure it was 90, but everyone seems to think it's 60.  Hmm.  Maybe it is 60.
 
----------------------------
App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. Smiley Surprised )
Message 7 of 14
Established Contributor

Re: WaMu Visa

No, it's 90 days.

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 8 of 14
Established Member

Re: WaMu Visa

I app'd last month for the Petsmart Pet Perks Visa and got denied by Wamu for having a cc with them opened within the last 6 MONTHS.  At least it wasn't a hard inq.
Message 9 of 14
Established Contributor

Re: WaMu Visa

As soon as I opened both a Wamu Visa and a Barclay's Master Card, both companies immediately stopped sending me additional promo offers.   Which is a good thing, but that would support the "don't app again for at least 90 days" comments.
 
I requested that both HSBC and CrapOne stop sending me promo offers (I did NOT opt out by the way), and after a few weeks, both DID stop.
 
So now, 1 year post BK, I am not receiving any promo offers at the moment.   Which is fine by me.  I have all the credit I need right now.
Message 10 of 14