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WaMu pre-approval

Established Member

WaMu pre-approval

Recently I have been receiving "pre-approval" letters from WaMu with the usual reservation numbers, balance transfer deals, etc. I'm skeptical to reply, due to a bk7 from 2004 that had a Providian account included.

 

Should I apply?

Message 1 of 14
13 REPLIES
Established Contributor

Re: WaMu pre-approval

BK 7 in 2003, approved about two months ago for 4K. Providian IIB.
/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\

"No good deed goes unpunished"




There is nothing more simple, nothing more complex than the relationship between Country Boy and Dog.
Message 2 of 14
Regular Contributor

Re: WaMu pre-approval

I'm blacklisted by Wamu. Applied a couple months ago with pre-approval off my checking account and got instant denial, not even a credit pull. Letter came weeks later stating I had providian co so YMMV.


Starting Score: 8/2008 521
Current Score: 734
Highest Ever: 4/2009 759
Goal Score: 760+

Take the FICO Fitness Challenge
Message 3 of 14
Frequent Contributor

Re: WaMu pre-approval

I just realized something, I have a CA on one report from 2001. It was for a checking account that went south, before I had my life in order. With that still showing Im sure is the reason they denied my pre app every time.
Message 4 of 14
Regular Contributor

Re: WaMu pre-approval

Well the denial letter should state the reason(s) why you were denied. Did they even pull your credit because with me they didnt even pull mine and my co was from 2001 also.


Starting Score: 8/2008 521
Current Score: 734
Highest Ever: 4/2009 759
Goal Score: 760+

Take the FICO Fitness Challenge
Message 5 of 14
Valued Member

Re: WaMu pre-approval

I just got a pre-approval letter.  I'm hesitant to apply in fear that I may be turned down.  I don't need another credit card right now, but it's better rates than my other 3.  How can they justify turning you down when they send you a pre "approval"?
7-24-08 EQ 537
8-20-08 EQ 568
5-13-09 EQ 606
10-18-10 TU 633
12-20-11 TU 671
Message 6 of 14
Established Contributor

Re: WaMu pre-approval

preapproval dont mean nothing..... I have gotten one from them and was denied for excessive inqs scores in the mid 600s dont do it... I hate their policy of no clis unless they feel like it and no APR reductions either... you cant ask for anything!
Message 7 of 14
Contributor

Re: WaMu pre-approval

They do APR reductions.  I asked for and got one in the not-so-distant past. 
-------------------------------------------------------------

Might as well change my surname to Morgan-Chase.
Closed on my crazy midcentury home in July, 2012! Thanks, FHA!
Message 8 of 14
Senior Contributor

Re: WaMu pre-approval

+1


tatiana wrote:
They do APR reductions.  I asked for and got one in the not-so-distant past. 

 

DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Message 9 of 14
Valued Member

Re: WaMu pre-approval

I got one of these as well last week. I applied and was approved. This is my first credit card though and my CR's are completely clean. I think it's a good card. 
Message 10 of 14