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Established Member
Posts: 24
Registered: ‎02-01-2008
0

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?

Established Contributor
Posts: 697
Registered: ‎03-09-2008
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Re: WaMu pre-approval

BK 7 in 2003, approved about two months ago for 4K. Providian IIB.
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Regular Contributor
Posts: 181
Registered: ‎08-13-2008
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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.


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Current Score: 734
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Goal Score: 760+

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Frequent Contributor
Posts: 367
Registered: ‎03-28-2008
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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.
Regular Contributor
Posts: 181
Registered: ‎08-13-2008
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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+

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Valued Member
Posts: 39
Registered: ‎07-23-2008
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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"?
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Established Contributor
Posts: 576
Registered: ‎11-13-2008

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!
Contributor
Posts: 81
Registered: ‎10-04-2008
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Re: WaMu pre-approval

They do APR reductions.  I asked for and got one in the not-so-distant past. 
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Senior Contributor
Posts: 3,701
Registered: ‎01-10-2008
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Re: WaMu pre-approval

+1


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

 

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Valued Member
Posts: 46
Registered: ‎12-24-2007
0

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. 
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